Frank B. Hanna, Jr., ChFC® - Private Wealth Advisor
Frank B. Hanna, Jr., ChFC®, Private Wealth Advisor, is a leading specialist in Estate Planning, Business Succession Planning and Wealth Management for a select group of individuals, executives and privately held business owners.
Frank spent 15+ years within the restaurant/hospitality industry operating several of his families restaurants and bars in the Fenwick Island, Delaware, Ocean City and Salisbury, Maryland areas. In 2007, he launched a financial consulting firm within his family business providing guidance in real estate development, tax management and private investment. Since that time, Frank joined Lincoln Financial Advisors in order to offer additional resources and intellectual capital to his clients.
He has successfully taken his years of experience running his own companies and applied his business acumen and lessons learned to the challenges and concerns his clients face, giving him a unique perspective that most financial advisors cannot offer.
Frank graduated from Salisbury University in 2001 achieving a Bachelor of Science degree in Business Administration and Management. He has been recognized within the industry for his production, leadership and ability to serve his clients in an exemplary manner. In 2014, Frank received his designation as a Chartered Financial Consultant (ChFC). He holds FINRA Series 7, 6, 63 and 65 licenses. He is securities licensed in the state of AZ, CA, CT, DE, MD, NY, PA, MA, NJ and FL. Additionally, Frank carries a license for the following lines of insurance: Life and Fixed Annuities, Accident and Health, Variable Life and Variable Annuities.
Frank and his wife, Kate, have three children and live in West Chester, PA. Frank sits on the Peninsula Regional Medical Center Foundation Board of Directors in Salisbury, MD.
Bryan R. Cogliano, CFP® - Private Wealth Advisor
Mr. Bryan R. Cogliano, CFP® graduated with honors from West Chester University with a degree in Finance in 2001. He furthered his education and obtained the prestigious CFP® mark in 2005. These marks identify those individuals who have met the rigorous education and ethical requirements of the CFP Board, and have successfully completed financial planning course work to have passed the CFP® exam.
If an Army of Bankers, Brokers, Accountants, Insurance Agents and Advisors cannot bring your planning together and exceed your expectations, perhaps what you need is a General. If you've been looking for someone to help and provide some clarity, direction and coordination look no further than the CERTIFIED FINANCIAL PLANNER™ certification. Ethically-bound to put your needs above their own, CFP® professionals can help coordinate all your finances. Visit letsmakeaplan.org for more information.
Bryan is committed to focusing on the needs of family-owned businesses, entrepreneurs, as well as accomplished individuals and professionals. In this capacity, his clientele include some leading families and entrepreneurs in the Delaware Valley, Seven Mile Island and Southern Delaware / Eastern Shore, Maryland Region(s).
"My goal is to create value by providing ideas and solutions, and proactively following through the implementation. The intellectual capital we access through Sagemark Consulting Private Wealth Services is second-to-none."
Bryan and his wife, Stephanie, have three children and reside in Lower Pottsgrove, PA. Mr. and Mrs. Cogliano are actively involved in charitable work at The Children's Hospital of Philadelphia and the Philadelphia Ronald McDonald House.
Elaine Greer - Practice Manager
Ms. Elaine Greer has been the Practice Manager for Bryan R. Cogliano, CFP® and Frank B. Hanna, Jr. ChFC® , since April 2013 and has over 14 years of experience in the financial services industry. Elaine is responsible for the daily operational functionality of the Practice.
In her prior position, Elaine was an Associate Vice President for a municipal bond firm in the Chester County area for over 12 years. During that tenure, Elaine started as an Administrative Proposal Specialist completing requests for Financial Proposals to Counties, School Districts and Governmental Agencies throughout the United States. After 2 years of service, she was promoted to Associate Vice President in which she began building a relationship with Financial Advisors and Bond Counsel assisting with the structuring and execution of various derivative and investment products for governmental, not-for-profit, and corporate clients in conjuction with Wall Street Firms. She was also responsible for tracking the bond closings and confirming funding of the transactions. At the end of her tenure with the firm, they completed over $32 Billion of Municipial Bond Transactions.
Elaine lives in the Chester County area with her husband and 2 children.
Kelly Gray - Financial Paraplanner
Ms. Kelly Gray is a Financial Paraplanner specializing in life insurance, education funding, estate and retirement planning. She graduated from Ursinus College in 2004 with a degree in Communication Studies. With Lincoln Financial Advisors, she focuses on all-inclusive financial plans, life insurance and comprehensive pieces for our clients.
In her prior position, Kelly worked for nearly 8 years in the Wealth Planning Department for one of MetLife's largest agencies. During that time, she started as a Proposal Specialist working with Financial Representatives on life insurance, business, education, estate, and retirement planning. After 5 years, she was promoted to Planning Strategist in which she collaborated with Senior Financial Planners to create detailed financial plans and specialized pieces for affluent clients.
Why Choose A CFP® Professional?
Most people think all financial planners are “certified,” but this isn’t true. Anyone can use the title “financial planner.” Only those who have fulfilled the certification and renewal requirements of CFP Board can display the CFP® certification trademarks which represent a high level of competency, ethics and professionalism. And because they are held to a fiduciary standard of care, a CFP® professional is required to act in your best interest.
CFP® Certification Requirements:
Education: Unlike many financial advisors, CFP® professionals must develop their theoretical and practical knowledge by completing a comprehensive course of study at a college or university offering a financial planning curriculum approved by the CFP Board. Applicants may also satisfy the education requirement by submitting a transcript review or previous financial planning-related course work. Or, they can show that they have attained certain professional designations or academic degrees that cover the important subjects in the CFP Board’s financial planning curriculum.
Examination: CFP® professionals must pass the comprehensive CFP® Certification Exam, which tests their abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance. This comprehensive exam ensures that a CFP® professional is highly qualified to develop a plan for your finances.
Experience: CFP® professionals complete several years of experience related to delivering financial planning services to clients prior to earning the right to use the CFP® certification trademarks. This hands-on experience guarantees that CFP® professionals have practical financial planning knowledge, so you can count on them to help you create a realistic financial plan that fits your individual needs.
Ethics: When it comes to ethics and professional responsibility, CFP® professionals are held to the highest of standards. They are obliged to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence as outlined in CFP Board’s Code of Ethics. The Rules of Conduct require CFP® professionals to put your interests ahead of their own at all times and to provide their financial planning services as a “fiduciary”—acting in the best interest of their financial planning clients. CFP® professionals are subject to CFP Board sanctions if they violate these standards.
Enforcement: CFP Board’s rigorous enforcement of its Standards of Professional Conduct— including releasing disciplinary information to the public—distinguishes the CFP® certification from the many other designations in the financial services industry. Everyone who seeks CFP® certification is subject to a background check, and those whose past conduct falls short of CFP Board’s ethical and practice standards can be barred from becoming certified. After attaining certification, a CFP® professional who violates CFP Board’s ethical and practice standards becomes subject to disciplinary action up to the permanent revocation of certification. Through diligent enforcement of its ethical and practice standards, CFP Board provides you with the confidence that your CFP® professional is both competent and ethical.
To learn more read the CFP® Consumer Guide to Financial Planning