Cliff Gamble - President and Chief Executive Officer

Cliff Gamble, President and Chief Executive Officer and board member, has been in the financial services industry for over twenty five years. He has held senior executive marketing positions and served as president and CEO for both public and privately held life insurance companies. Mr. Gamble was founder and CEO for one of the industry's most successful life insurance company start-ups which generated over $300 million of annual sales within four years.

In his various capacities, Mr Gamble has been responsible for building large scale financial services sales organizations consisting of insurance agent networks, wholesale marketing companies and securities broker /dealer groups. He has marketed financial products sold through the retail vendor level through banks, credit unions and mortgage companies. He was one of the early pioneers of consumer-oriented life insurance being among the first executives to develop and successfully introduce "universal life insurance" to the insurance agent market.

Mr. Gamble is a graduate of the University Of Santa Clara (Business Administration) and the Santa Clara School of Law (Juris Doctor). He is a graduate of the Stanford Executive Program (Sep 87') and is a Chartered Life Underwriter. He is a registered Principal with the National Association of Securities Dealers and a member of the National Association of Financial and Estate Planning (NAFEP). Mr. Gamble holds memberships in the California State Bar Association, Financial Planning Association and is active in the World's President Organization.

Richard Boone - Vice President, Recruiting and Business Development

Richard E. Boone started in the financial services industry in March of 1987 while still attending college. During his early years, he worked as a technical support specialist doing financial plans, trades, and tax planning. In 1991 he joined a money management firm, Reinhardt Werba Bowen Advisory Services, where he excelled at marketing and recruiting. During his tenure as their national business developer, 500 new financial advisors were recruited to the firm growing its total money under management from $25 million to over $1.7 billion. After leaving RWB, Richard joined Merrill Lynch in their San Jose office.

In June of 2000, he and is family decided to relocate to the California central valley where he joined Charles Schwab as an investment specialist. Today, Richard uses his extensive industry knowledge and talent for recruiting to help develop ePLANNING's national sales force of financial advisors.

Tim Menezes - Vice President, Secretary

Tim Menezes has provided financial consulting services to ePLANNING since its inception in April, 1999, and has 15 of years experience in financial services, primarily in the life insurance industry. His tenure includes responsibility for corporate financial activities of an insurance company that expanded its revenue from $40 million to more than $300 million over a five-year period and increased in assets under management from $55 million to $800 million. Tim had similar responsibilities with a successful start-up company which grew to more than $200 million of annual revenue, $300 million of assets, and $10 million of annual net income during its second full year of operations.

Tim has more than 15 years of financial consulting and public accounting experience. He has served as a Certified Public Accountant with an international accounting firm with an emphasis in the financial services sector. Additionally, he provided independent consulting services in both strategic and financial planning, and worked with companies to provide solutions for accounting/administrative and cash management systems.

In his current role with ePLANNING, Tim is responsible for all corporate financial activity, with an emphasis on financial modeling, corporate financial plans, and accounting/administrative systems. Tim earned a Bachelor of Science degree in Accounting from California State University - Fresno.

Linda Sechser - Vice President, Chief Compliance Officer

Linda Sechser is currently Vice President and Chief Compliance Officer and has been in the financial services industry for twenty eight years. Prior to joining ePLANNING, she was with U.S. Bancorp Piper Jaffray in San Francisco as the Regional Compliance Officer for all California offices. Before joining Piper, she was a partner in Sterling Financial Services, Inc., in Walnut Creek, an independent RIA, and was also a Managing Executive for one of the largest California branches of Royal Alliance. Linda's career has also included experience with E. F. Hutton and Shearson American Express in the Corporate Bond arena, and Birr Wilson & Co. in the Syndicate/IPO arena.

In her current role with ePLANNING, Linda is directly responsible for all compliance and regulatory issues for the firm.  Linda's professional affiliations have included membership in the International Association of Financial Planners and the Financial Planners Association. She has also been a member of the Alumni Board of Directors of St. Mary's Graduate School of Business and Economics and on the Graduate School of Business and Economics Admissions Review Board. She holds a Bachelor's Degree from California State University-Hayward and an MBA from St. Mary's College, as well as her Series 7, 63, 65, 8 and 24 securities licenses.

Scott Hultsman - Vice President, Broker Dealer Operations

Scott Hultsman is the new Vice President of Broker/ Dealer Operations at ePLANNING. Scott has been in the financial services industry for over 8 years. Prior to joining ePLANNING, he served as Trading Desk Supervisor for Brecek & Young Advisors, Inc. where he supervised the brokerage operations for both traditional and asset based brokerage accounts. Scott played a vital role in the department’ growth over the last three years. Prior to Brecek & Young, he was. associated with E*Trade where his responsibilities included stock, bond, options, exchange order handling and sales training. Scott’s experience also includes brokerage positions with Franklin Templeton, Paine Webber and Phillips and Company. He holds the FINRA Series 7, 63, 24, and 4 licenses.

In addition to working within the independent broker dealer model, Scott has had extensive experience from working in a variety of roles within the industry, and brings a wealth of knowledge and a passion for success to the company. Scott is a native of northern California but is a devoted Oregon Duck’s fan. He is a graduate of the University of Oregon where he earned his Bachelor of Science in Economics with an emphasis in Business Finance.