Advisors

Financial Transformation Team is made up of an elite group of professionals that will help you reach your financial goals. Each member is fully vetted and works together to support your financial journey. Each member has a fiduciary responsibility to provide the best service without having to be connected to specific products.

Barb Stetzko, CFP^®, CDFA^®

Co-Founder

Barb specializes in advanced strategies to help meet lifetime goals, reduce income tax, and transfer assets from one generation to the next without complication. Whether it’s creating wealth, preserving your retirement nest egg, or surviving a tough time; Barb knows how to help meet your needs.

Barb is a Series 24 General Securities Principal, Series 7, and 63, Registered Representative, in AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NH, NJ, NV, NY, OH, OK, OR, PA, SC, TN, TX, WA, WI. An Investment Advisory Representative in FL and TX, and holds a Life, Health, Variable Annuity Insurance license. Barb became a Certified Financial Planner Practitioner™ in 1994, and is also a Certified Divorce Financial Analyst™.

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Fernando Romero, LUTCF

Co-Founder

Fernando works for his clients, not any one financial or insurance company. His focus on asset protection and income tax diversification makes his clients better able to withstand difficult times. He believes, we have to pay attention to how we accumulate assets, but it is just as essential to focus on the distribution of those assets, while monitoring for risk tolerance. It’s important to know where you stand.

Fernando provides a wide range of services that can be customized to fit the unique needs of each of his clients.

Fernando is a Series 6, 63, 65 Registered Representative in AL, DE, FL, GA, MI, NC; an Investment Advisory Representative in FL, and holds a Life, Health and Variable Annuity Insurance License in FL, AL, CO, GA, IN, KY, MD, MO, MS, NC, NM, OH, TX, VA.

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James D. Hough, PhD, CLU, ChFC, CFP, CLTC, AEP

Co-Founder

From the first hello, Jim’s focus is on four areas vital to your financial success: Your wants, needs and risk tolerance; planning process before product; efficiency and cost-saving; and simplification. As a former college professor who taught personal finance, Jim is especially adept at making complex planning processes and financial concepts easy to understand. While the final product of Jim’s effort is often a retirement plan, estate plan or legacy plan, he always reviews each situation to assess asset protection, family protection and security in case of emergencies. After four decades of service to working people, business owners, professionals and retirees, Jim’s greatest satisfaction is to hear “Thanks, Jim, for all your help.” Jim and his clients have fun, they laugh a lot!

Jim holds Series 6, Series 7, Series 22, Series 63 securities licenses. He is a Registered Representative in AZ, CO, FL, GA, NC, OR, TN, an Investment Advisory Representative in FL, and holds Life, Health and Variable Annuity licenses in AL, AZ, FL, GA, KY, MD, ME, NC, NV, OH, SC, TN, TX and VA.

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