Broker Check

Our Specialists

We pride ourselves on having the most educated and astute professionals in this area. Each professional in St Louis is backed by our team of specialists to ensure you get the very best financial advice and guidance we can provide. Our knowledge and resources combined with a high level of professionalism and personal attention will help guide you toward your financial goals.

 

Guardian’s Advanced Markets Team

Department Head


Victor Ngai, JD, CLU®, ChFC®
Assistant Vice President, Head of Advanced Planning Consultants

Prior to joining Guardian, Victor spent five years leading the Case Management Croup at SEI Wealth Network, three years at Prudential Securities heading the Prestige Private Client Group, and five years at Prudential Insurance in its Advanced Planning. Victor is a board member of the New York City Chapter of the Society of Financial Service Professionals and a committee member of LIMRA's Advanced Sales Group.


Business Resource Center

Mark Brumbaugh, JD
Business Center Consultant
Specialty: Business, Estate and Charitable Planning

Mark is a 15 year industry veteran, helping advisors and their clients on advanced planning strategies. Mark came to Guardian by way of Provident Mutual/Nationwide, where he was an advanced sales consultant. Mark has spoken extensively at agency visits and sales conferences.


James Magner
, JD, CLU®, ChFC®
Business Center Consultant
Specialty: Business, Estate and Charitable Panning

Primary Contact: Premium Financing and Nonqualified Deferred Compensation

Jim is a former IRS tax attorney where he wrote many private and public rulings on estate, gift, GST and charitable tax planning. He has written many articles for professional publications and is the coauthor of several estate and insurance planning books.


Cynthia Hearing
, JD, CLU®, ChFC®, CLTC
Business Center Consultant
Specialty: Business, Estate and Charitable Planning

Cynthia has over 14 years of experience as an Advanced Underwriting Attorney and Director of Financial Planning helping advisors and their clients on their advanced planning needs. She came to Guardian by way of MassMutual, New England Financial and Prudential Securities.


Lawrence Gorman, JD
Business Center Consultant

Specialty: ERISA, Pension, Estate, Charitable and Business Planning

Larry is an accomplished 30 year industry veteran with diverse experience. Before joining Guardian in 2005, he managed a 401(k) department for a mutual fund manager, owned and operated a qualified plans administration firm, and worked as an advanced planning attorney for various bank trust departments. He has been an adjunct professor as well as a continuing education speaker for the New York State Bar Association.

 

Bryan Davis, CFP®, CLU®, ChFC®
BRC Consultant

Specialty: Corporate, Estate, Charitable and Business Planning

An 18 year industry veteran, Bryan has worked extensively with high net worth clients and their advisors. After early work in actuarial science and executive benefits administration, Bryan moved to personal planning, where he has worked exclusively with advisors and clients in the areas of business planning, insurance planning and analytics, and personal financial planning. Bryan previously was an Agency manager for a TPA firm, as well as a Case Strategist for SEI Investment’s Wealth Network, which served high net worth clients.


Michael Geeraerts
, JD, CPA
BRC Consultant

Specialty: Business, Estate and Tax Planning

Michael is a CPA as well as an attorney, helping advisors and clients on their advanced planning issues. Michael joined Guardian in 2012. Prior to that, he worked at two of the largest accounting firms, KPMG LLP and PricewaterhouseCoopers, LLP, as well as several law firms. Michael graduated near the top of his class at St. John’s University School of Law.

 

Allison Hoyt, JD
BRC Consultant

Allison joined Guardian in July 2012, after the private practice of law with a small firm. She also brings several years experience as a school teacher, to help educate our FRs and their clients on their planning needs and concerns. Allison graduated from St. John’s University School of Law and is a former collegiate athlete.



Advanced Case Design Department


Paul McDonald

Head of Advanced Case Design

Paul has been in the financial services industry since 1985. He has been in the home office and the field. His experience includes wholesaling concepts in the advanced markets with Fixed, Variable, and Linked Benefit Products. Prior to Guardian, Paul worked at Lincoln Financial Group and CIGNA Life Corporation.

 

Jeffrey Klappholz, CLU®
Case Design Manager

Jeff brings a wealth of knowledge and experience as a 30 year insurance industry veteran – half of that time with Guardian. He specializes in helping advisors understand Guardian’s full suite of life insurance products, and also supports them with competitive company and product information, as well as sales illustrations for qualified and non-qualified plans.

 

Anna Nieves
Advanced Case Design Specialist

Anna has been with Guardian for 30 years, taking on diverse roles and responsibilities within various units, including the Pension Department, Executive Benefits Department and Specialty Life Department. Anna has been with advanced planning for over 7 years, providing sales support services to our agents and specializing in executive benefit plan illustrations.



Qualified Plans Marketing Department


Ernie Guerriero
, CLU®, ChFC®, CEBS, CPCU, CPC, CMS
Manager, Qualified Plans Marketing

Ernie Guerriero is the Head of Qualified Plan Marketing. He is recognized as a retirement planning expert in the industry and is a noted lecturer and publisher, particularly in qualified plan designs for closely held business owners. Ernie has also worked extensively with CPA firms in practice management, bridging tax preparation and financial services. He has taught employee benefits courses at various colleges and is a continuing education instructor with the Professional Insurance Agents of NY, NJ and CT.

 

Susan Grant, QKA, QPA
Qualified Plans Consultant

Susan brings vast knowledge and over 20 years experience to the Qualified Plans department. In addition to a successful career selling and installing qualified plans, she also owned her own pension administration and consulting business and once administered the seventh-largest DB plan in the country. She is well versed in all aspects of qualified plans, including sales and marketing strategy, case design and administration, and technical and compliance requirements.

 

Jose Montenegro, EA, MAAA, MSPA, COPA
Qualified Plans Consultant

Jose has over 30 years of experience in the qualified retirement plans. Before joinging Guardian, he worked for AXA Equitable in various capacities, including marketing, technical and sales support, and product development. He is well versed in all aspects of qualified retirement plans, as well as in 403(b) and 457(b) plans and IRAs, including SEPs, SARSEPs and Simple IRA plan requirements.

 

Lillian Tam
Qualified Plans Illustrations Specialist

Lillian is a veteran of the qualified retirement plan industry, with over 20 years of experience in the administration and design of qualified plans. Most of her career has been with Guardian, but she was also a manager in the pension department of The United States Life Insurance Co.

 

Eric Brandon, EA, MAAA, MSPA
Pension Actuary

Eric is an enrolled actuary and member of the American Academy of Actuaries. He has over 18 years of experience in the employee benefits consulting field, working with and training advisors on case analysis, plan design and business solutions in the qualified plan area.

 

Project Management & Administrative Support

 

Jennifer Snider-Tornetta, AWMA, CRPS, CRPC, RP
Project Director

Jennifer has been involved with Guardian in a variety of positions to leverage her skills in strategic planning and organizational effectiveness. She has worked as a marketing strategist and in marketing intelligence, and consulted with various business units on niche marketing. She has worked with several select agencies in their development of advanced marketing capabilities, and is currently focused on the build-out of the Business Resource Center.

 

Carrolyn Colding
Executive Assistant

Carrolyn has been with Guardian since 2004, working closely with the advanced planning and sales support group. She brings many years of experience in support services to the BRC as its Coordinator, assisting Lisa Powell in the day-to-day activities of the BRC.

 

Kellie Gittens
Administrative Coordinator

Kellie began with the Business Resource Center in 2011 and provides administrative and event planning support for the department. She works closely with the BRC Consultants, Qualified Plans Marketing team and Case Designers. She brings many years experience in a number of industries before joining Guardian.