Owner: The Lynd Group Advisors, LLC
Financial Planning Consultant:
The Lynd Group Financial Services
Raised in Ventura, California, Michael earned his Eagle Scout award at age 16. After attending Ventura College, he honorably served as a Calvary Scout with the United States Army. Following his military service, he was extended an opportunity to work for a private financial planning firm while earning his Bachelor’s Degree in Business Administration from California State San Bernardino. It was there that he developed a passion for finance and insurance. Today he is fully securities licensed in California holding his Series 66 & Series 7 licenses. Additionally, Michael is Life/Accident & Health licensed in California. To show his true commitment to the financial profession and his clients, Michael pursued and currently holds the CERTIFIED FINANCIAL PLANNER™ designation (www.cfp.net). With the pursuit of education, Michael has also earned his Master of Business Administration in Financial Planning (MBA-FP) at California Lutheran University. This industry leading degree allows Michael to stand out from the competition with an advanced level of retirement income planning skills. Michael has a passion for helping people focus their goals and strive to achieve them. With this passion, he has developed a proprietary retirement system, known as Wealth Track; which allows clients to truly define their goals, map out their future and properly track their progress. Additionally, Michael is an accomplished author on retirement planning topics. His first book is titled THE WEALTH PUZZLE and he recently finished writing HOW YOUR “FINANCIAL PLANNER” FAILED YOU; a guide on retirement income planning essentials. Feel free to call our office for a complimentary copy. He and his wife, Paige, have three daughters. He enjoys spending time with his family and loves a variety of outdoor sports and activities. When not performing service for his church and community, you can find him playing racquetball at LA Fitness. Contact him at Michael@TheLyndGroup.com 805-500-7035 x802.
Owner: The Lynd Group, LLC
Director of Client Relations:
The Lynd Group Advisors, LLC
Owner of The Lynd Group LLC, a retirement income planning firm Debra brings over 20 years of experience as a realtor in the California market. After helping many of her clients through the challenges of financially committing to owning a home while trying to manage their personal finances and prepare for the future, she has come to recognize a need for truly qualified financial and insurance professionals that are passionate about providing for the needs of their clients and their families. This passion for quality is what led her to establish The Lynd Group LLC. Through the Lynd Group LLC, she has been able to build a team that is committed to providing clients with competent, considerate and experienced financial and insurance planning services. Debra currently holds a Real Estate license in California. She also carries a Life & Accident license in California and over 30 other States. Debra actively attends educational events nationally to maintain her licensing and further her knowledge base for her clients. Debra is married to her high school sweetheart, and is a mother of three and grandmother to seven as well. She enjoys cooking, social gatherings, spending time outdoors with her dogs, and is most content when working on a project. Contact her at Debra@TheLyndGroup.com 805-500-7035 x801.
Director of Client Relations
Tana is the director of operations for The Lynd Group LLC & The Lynd Group Advisors LLC. Tana was born and raised in Ventura, California. After graduating from Buena High School she attended and graduated Summa Cum Laude from the University of Utah with a Bachelor of Science degree in Mass Communication. She is currently pursuing a Master of Business Administration (MBA). Tana holds a life/accident & health license in the state of California. With this, she is Medicare certified and serves as an in-house specialist for any Medicare needs a client may have. Tana has over 10 years of professional business management experience in the private sector. At the helm of a locally owned business, she was able to navigate the company successfully despite the challenges of competing with major national chain stores. Tana’s management style fostered loyalty, cohesion, and increased productivity. She credits their success on building a strong team and a high level of customer service. Tana enjoys spending time outdoors with her husband and four children. One of her greatest achievements is balancing family and work. As a native of Ventura County, she has a great love for the area. Contact her at Tana@TheLyndGroup.com 805-500-7035 x804.
Rae is our clients’ first point of contact at The Lynd Group LLC & The Lynd Group Advisors LLC as their Administrative Assistant. She grew up on the East coast in Charles Town, West Virginia. Rae attended Marshall University in Southern West Virginia where she graduated Cum Laude with a bachelor’s degree in advertising. She is a member of the National Society of Collegiate Scholars and holds the title of Commissioned California Notary Public. Rae provides unparalleled customer service to our clients. She possesses a specific set of customer service driven skills which allow her to connect with clients and relay information in a personal, yet professional tone. She is organized, efficient, and tech savvy. She has seven years of experience in the customer relations field and truly understands the importance of meeting our clients’ needs. Rae enjoys a good book, jogging, and interior decorating. She also enjoys traveling and learning about new cultures as well as spending quality time with her friends and family. Contact her at RaeMarie@TheLyndGroup.com 805-500-7035 x803.
Connor is our in-house Tax Specialist. He is a California Registered Tax Preparer (CRTP) and a Certified in Quickbooks Professional. He offers tax preparation and bookkeeping services for small business and individuals. Connor earned an Associate of Science in Accounting from Ventura College. With a continued passion for education, Connor is actively pursuing further education from the Southern New Hampshire University’s Accounting Bachelor’s Degree program with the goal of becoming a CPA. During Tax Season Connor spends time preparing tax returns for a CPA in the building; processing over 800 tax returns annually.
When he’s not at the office, you will find Connor surrounded by his family or hiking the mountains of Ojai with his dogs.
Contact him at Connor@TheLyndGroup.com 805-500-7035 X806.
Wayne Schmidt, CFA®
In October 2008, Wayne Schmidt joined Gradient Investments, LLC to serve as Chief Investment Officer. Boasting over 26 years in the financial industry, Wayne brings invaluable institutional experience and in-depth knowledge of the private client market to Gradient Investments, and offers a global investment management perspective.
Wayne is an essential and direct resource for affiliated investment advisors and their clients. He provides vast wisdom, knowledge and tools to help investment advisors both grow their practices and their clients’ assets.
In a nationwide search that included acquisition considerations, AXA Investment Managers, a subsidiary of the European insurance giant AXA Group, handpicked Wayne to build their U.S. investment grade fixed income capabilities and to lead a seasoned portfolio team located in Saint Paul.
During his tenure at AXA Investment Managers, Wayne served as senior portfolio manager for the U.S. investment grade fixed income team. As the lead portfolio manager, he managed $9.5 billion of fixed income assets with a variety of mandates ranging from aggregate, corporate and government bond portfolios.
Before joining AXA Investment Managers, Wayne dedicated over 20 years to Minnesota Life and its’ $14 billion investment arm, Advantus Capital Management. As their portfolio manager, he managed a variety of high-grade funds as part of Advantus’s $1.8 billion Total Return Product for institutional and retail clients. He also served as the lead portfolio manager of the Advantus Bond Fund and the co-portfolio manager of the Advantus Spectrum Fund.
Wayne earned his Master of Business Administration in Finance from the University of Minnesota and a Bachelor of Science from Cornell University. He is a Chartered Financial Analyst® and a member of The Chartered Financial Analyst Institute and the Twin Cities Society of Security Analysts.
Over the years, Wayne has been quoted on the global economy in numerous nationally and internationally recognized investment publications such as: Bloomberg, Pension & Investments, Reuters, The Los Angeles Times, Financial Week (2008 Neal Award Winner), Asia Times, InvestorVillage, Safehaven, SFO, Credit Investment News and RGE Monitor (Nouriel Roubini’s Global EconoMonitorinvestment). He has also provided market insights on Bloomberg radio and television.
Wayne’s love of Minnesota is Gradient Investments’ great fortune, as he declined to relocate with AXA Investment Managers following their strategic decision to consolidate function into a high-yield operation in Greenwich, Connecticut.
Michael Binger, CFA®
Michael Binger, CFA®, serves as the senior portfolio manager for Gradient Investments, LLC. Michael brings over 24 years of institutional equity investment experience to Gradient Investments and its affiliated advisors and clients. He has extensive experience working directly with financial advisors designing and actively managing portfolios. Michael has successfully invested in numerous market and economic cycles giving him a level and depth of experience that is rare in this industry.
Michael started his investment career in Minneapolis with Lutheran Brotherhood in 1987 and gained experience managing assets in a variety of asset classes including convertible bonds, small cap equities and large cap equities. When Lutheran Brotherhood and Aid Association for Lutherans merged in 2001 to become Thrivent Financial, Michael was selected to work as the senior portfolio manager on the Large Cap Growth Team and Large Cap Alpha Team managing over $3 billion in assets. As the senior portfolio manager, he developed and oversaw the tactical investment strategies utilized within mutual funds, variable annuities, pension funds and insurance company products. These investment processes included proprietary portfolio construction strategies, security selection parameters and volatility controlled umbrellas.
Michael graduated from the University of Minnesota earning a Bachelor of Science in Business Administration-Finance. He graduated with honors and was the University of Minnesota’s “Wall Street Journal Award Winner.” Michael is a CFA® and a member of The Chartered Financial Analyst Institute and the Twin Cities Society of Security Analysts.
Michael’s media highlights include providing market insight on CNBC, Bloomberg TV and Bloomberg Radio. He has also been quoted in The Wall Street Journal, Barron’s, Smart Money, Reuters, Business Week and numerous other local, national and global investment publications.
Mariann Montagne, CFA®
Mariann Montagne, CFA® serves as a Senior Investment Analyst for Gradient Investments, LLC. She has 20 plus years of experience working with both institutional and high net worth clients, and has amassed a strong breadth of investment experience during her tenure. This includes company and industry sector analysis, risk monitoring and portfolio management in both the equity and fixed income markets. She is highly attuned to economic and market conditions, and has extensive experience selecting individual stocks, ETFs and mutual funds.
Prior to joining Gradient Investments, she was the Senior Investment Analyst and co-Portfolio Manager for a Minneapolis-based Registered Investment Advisor with over $500 million in assets under management. Montagne was involved in security selection, portfolio management, client presentations and setting strategic direction for the investment department. Her coverage included individual securities, ETF’s and mutual funds in the equity, fixed income and alternative asset classes. Prior to that, she was a Senior Investment Analyst at Thrivent Asset Management examining industry sectors and selecting individual equities. Montagne also spent several years at Munder Capital Management as the assistant director of research along with covering growth and value equities.
Montagne served for seven years on the Global Board of the Consumer Analyst Group of New York (CAGNY), including posts as president and conference chair.
She is a Chartered Financial Analyst and a member of both the CFA Society of Minnesota and the CFA Institute. Montagne is an alumnus of the University of Detroit where she graduated cum laude with a Finance major and an English minor.
Montagne’s media highlights include quotes in Barron’s, The Wall Street Journal, Fortune, NPR, Washington Post, and the Chicago Tribune. She has also appeared on Bloomberg TV and Fox Business News.