Broker Check

Our Strategic Partners

J. Louis McCraw, MBA, CFP®, ChFC®, CRPC®

Lou, with over 25 years of experience in retirement and financial planning is a frequent speaker at retirement planning seminars. He received a BA in Economics from Wofford College and an MBA from the University of South Carolina.

In 1984 Lou found Pension & Financial Services, Inc. which services over 250 qualified retirement plans for regional businesses. To expand and to assure the continuity of services, in 2005 Lou formed an affiliated planning group of financial planners which is now known as PFG Advisors.

Lou has earned the industry certifications and designations of: Certified Financial Planner (CFP®), Chartered Financial Consultant (ChFC®), Chartered Life Underwriter (CLU®), and Chartered Retirement Planning Consultant (CRPC®).

Since 1992, Lou has continuously achieved the top honor of Chairman's Council for his financial services within the community. In 2008, he received the Legacy Award from Lincoln Financial Advisors in recognition of his leadership within the financial industry. The Resource Group, a national group of financial planners, affiliated with Lincoln Financial Advisors, named Lou a lifetime member in 2009.

Lou served as a Trustee in his church for 6 years and is active in many community and charitable organizations. He enjoys sports and spent 17 years as a volunteer in the local community sports programs for boys and girls as a coach and a member of the Board.

Lou and his wife Linda live in Treddyfrin Township and have 3 children.


John J. Coll, Jr., J.D*., L.L.M

Mr. Coll specializes in executive compensation and wealth accumulation strategies for high net worth individuals. Mr. Coll is an Investment Advisor Representative of Lincoln Financial Advisors and a Partner of PFG Advisors with offices in Berwyn, Pennsylvania. Mr. Coll is also an attorney admitted to practice before the Supreme Court of Pennsylvania, United States Tax Court, and the United States District Court for the Eastern District of Pennsylvania. He has authored numerous articles devoted to the tax and economic aspects of estates, business, retirement and compensation planning. He has also authored The Deferred Compensation Handbook, a primer on the subject. Mr. Coll has developed a national repuation for his innovative approach in tackling difficult executive compensation issues confronting business today.

Previously, he held the positions of Advisor Representative and Senior Vice President of Smart Financial Advisors, a wholle owned subsidiary of Smart Business Advisory and Consulting, LLC of Devon, Pennsylvania and also of Marketing Counsel to the Fidelity Mutual Group. He has served as a consultant to several life insurance companies. He is a member of a number of professional organizations and has served on the Personal Service Corporation Subcommittee of the Tax Section of the American Bar Association's Probate and Trust Law Section Committee on Estate Planning. Mr. Coll is a frequent lecturer at seminars to various legal, accounting, insurance and estate planning groups as well as serving as a visiting instructor in the MBA program at New York University's Stern School of Business. He has received his Juris Doctor degree from George Mason University School of Law and an L.L.M. in Taxation from Villanova University School of Law.


**PFG Advisors is not an affiliate of Lincoln Financial Advisors Corp. 


 

We have an incredible, experienced team of professionals both locally and nationally. Unique to our firm, the Private Wealth Services Group within Sagemark Consulting, a division of Lincoln Financial Advisors, which allows us to bring significant value and resources to clients without trading the personal touch and relationship a boutique firm such as ours provides.

The professionals we work closely with are:

NASSER ALI, CFA, CFP®, AAMS, CMFC, CRPC®
Director of Financial Advisory Services
    • Bachelor of Science degree in Finance from the University of Maryland.
    • Member of the Association of Investment Management and Research and the Baltimore Security Analysts Society. Published an article in the Encyclopedia of World Terrorism entitled,"The Impact of 9/11 on the Global Economy".

ROBERT E. APPEL, J.D.*, LL.M., MBA
Vice President of National Design/Advanced Planning
    • Listed in numerous sections and editions of Who's Who (including Who's Who in American Law and Who's Who in the World) and member of the American and Connecticut Bar Associations.
    • BS degree (Accounting and Finance) from Central Connecticut State University; J.D. degree from the University of Bridgeport School of Law; MBA (Finance) degree from the University of Connecticut; and LL.M. (Taxation) degree from Boston University School of Law.

JOSEPH FLYNN, J.D.*
Design Attorney
    • Primary area of expertise: Advising Lincoln financial planners and their clients on a wide variety of estate planning and business succession issues with a particular emphasis on the family owned business.

    • Graduate of Yale University and The University of Connecticut School of Law.


TIMOTHY S. JOHNSON, J.D.*, CRPC®
Chief Investment Strategist
    • Areas of expertise include fixed-income, equity allocations, alternative investments and affluent wealth management.
    • BA in Political Science from Lipscomb University in 1981and graduated from Vanderbilt University School of Law. Holds a Series 7 registration.


When you retain Sagemark Consulting, a division of Lincoln Financial Advisors, you benefit from financial planning and personal service unparalleled in the industry. We take the time to fully understand you and your needs. Then we provide you with the information, advice and alternatives you will need to make informed decisions about your financial future.

Our firm's philosophy - "Serve First, Last and AlwaysSM" - was conceived over 60 years ago by legendary manager Stuart Smith and still drives our business today. As part of this philosophy:

  • We provide solutions and alternatives, but each client makes the final decisions about their own financial future.
  • Each financial plan is systematically reviewed to ensure it remains consistent with the client's long-term goals and objectives, and is aligned with our changing world.
  • Each client receives confidential, highly customized, personal service.

Abundant intellectual capital is one of our greatest strengths. Our firm's resources are managed nationally, but deployed regionally and locally. Because we provide a deep level of expertise and resources, our financial planners receive consistent, high quality functional support that enables them - and ultimately you - to receive the very best thinking our firm has to offer.

We utilize a team approach - anchored by our highly skilled advisors, who are responsible for managing all pertinent aspects of financial planning. Additional support is obtained, when necessary, from local and national teams that consist of industry specialists who have strong technical backgrounds in all areas of financial planning. This business model allows our financial planners a high degree of autonomy so that they can focus solely on assisting clients in helping meet their financial goals.

Some needs are solved with financial products. Objectivity is the key to our process. Our open architecture platform gives our financial planners access not only to Lincoln products, it also provides access to insurance from other companies, private money managers,  mutual funds managers, exchange traded funds, individual issue stocks, bonds, TIPS, public and private REITs, as well as fixed and variable annuity contracts.

As a company, we believe in providing our clients with clarity and solutions to help meet their needs. We believe that long-term relationships are more important than short-term gains, and will never sacrifice the former for the latter. Conviction in what we do; the courage to get our clients to take action; competency based on continuing education and training; bringing national resources together on a team that will benefit each client; and communication that builds understanding and trust - these are the key qualities of "Serve First, Last and AlwaysSM." And these are the commitments we make to each of our clients.

So if you'd like to create, preserve and protect your wealth, the partner of choice is clear:Lincoln Financial Advisors.

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