Menu Log In Meet Our Investment Services Team Check the background of investment professionals associated with this site on FINRA's BrokerCheck. Carina Alt, CRPC® Chartered Retirement Planning Counselor (CRPC) conferred by College for Financial Planning Financial Consultant calt@uwcu.org "Don't let emotions override your investment decisions." Experience & Background Carina is an investment professional who has over 20 years of experience. Besides working as a financial consultant since 2002, she's also served as a personal banker and lender. As someone who's worked with hundreds of clients, Carina has developed a proactive approach when it comes to helping her clients pursue financial success. She specializes in creating lifetime income strategies and helping protect her clients with insurance and long-term care solutions. Carina is a graduate of Madison College. Value-Driven Successes One thing Carina has learned over the years is the important role trust plays in any client-advisor relationship. She's worked with some of her clients for more than ten years and has gotten to know their families along the way. In fact, when one of her clients was unexpectedly let go from her job, Carina helped her find a solution that allowed her to stay financially solvent during that difficult time.* Carina sees this as one of her many successful client interactions. Frank Mularz Financial Consultant, Milwaukee Area fmularz@uwcu.org "It gives me the most satisfaction to relieve people's financial stress." Experience & Background Frank is an investment professional who has worked in the industry since 1997. He realizes that investments can be complicated, so his mission is to have everyone leave with a clear picture of their financial goals and a plan to pursue them. With pensions becoming increasingly rare, Frank specializes in income distribution plans in early and post-retirement. He is a graduate of Western Carolina University in North Carolina with a degree in business and has lived in the Milwaukee area the past 12 years. Value-Driven Successes Frank thrives on finding solutions to complicated issues, helping clients gain clarity and confidence. Recently, a man visited him because a financial planner told him it was too late to build his retirement savings. That explanation wasn't acceptable to Frank who had a completely different outlook on the situation. He was able to develop a clearly defined path to pursue the man's goals, which Frank sees as one of his greatest successes. Kyle Judd Financial Consultant kjudd@uwcu.org "The power of compounding can have a tremendous impact on your portfolio. That's why it's never too late to start planning for the retirement you envision." Experience & Background Kyle has always had a passion for helping people and solving problems. He understands that financial planning can seem complicated, which can sometimes prevent people from pursuing their financial dreams. That's why he takes the time to fully understand clients' financial goals and listen to their concerns, answering any questions along the way. Then, Kyle puts every piece of the puzzle together to create a solid investment plan for clients. He is a graduate of UW-Milwaukee with a degree in finance. Value-Driven Successes Kyle strives to make clients' financial lives easier. He recently helped a client who had just lost a loved one. Because it was a very difficult and emotional time, Kyle helped the client stay on top of daily finances while still pursuing retirement goals.* Kyle counts this as one of his proudest accomplishments, showing that Investment Services is big enough to help, yet small enough to care. Jeremy Marshall Financial Consultant jmarshall@uwcu.org "The time to start investing is now. The power of time will never be greater than it is today." Experience & Background Jeremy's decision to become a financial consultant combined two of his passions—solving mathematical problems and serving people. Always good with numbers, Jeremy was inspired to get his degree in Economics from UW-Madison. He also spent years working at a local restaurant, dedicating himself to excellent customer service. These paths naturally led him to be a financial consultant where he specializes in retirement planning and social security strategies, especially with University and State employees. He has been in the industry since 2005. Value-Driven Successes One of Jeremy's favorite moments is when he can help someone determine when they can retire. He recently met with a client who was unsure if he'd even be able to do so. Jeremy calculated the client's pension projections, Social Security payouts and assets, and helped the client realize that retirement was in reach. It is a powerful moment to Jeremy when people discover they can work for personal fulfillment rather than necessity. Aaron Lawry Financial Consultant alawry@uwcu.org "We all have things we consider important in life. Our investment goals should be one of them." Experience & Background Aaron got into financial planning so he can help his clients make sense of investing by creating transparent, attainable financial goals. He believes that knowing your options are investing wisely can be the difference between leading a financially secure life or falling short. He specializes in creating solid financial plans that incorporate short-term goals, retirement needs and wealth transfer. Aaron has been in the industry since 2006 and is a graduate of UW-La Crosse. Value-Driven Successes One of the things that give him the greatest satisfaction is helping clients understand their options and seeing the positive effect he has on their lives. He recently met with clients who were unsure if they could retire. They had savings, retirement accounts and life insurance but didn't know how they would work in retirement. After meeting with Aaron, they had a clearly defined path to pursue both their short and long-term goals. Kevin Hoeft, CFP® Financial Consultant, Milwaukee Area khoeft@uwcu.org “My approach to being a financial consultant is helping people plan for their future with balance so they can live a full life in the present.” Experience and Background Kevin has been helping clients address their financial needs ever since he joined the UW Credit Union back in 2012. As a CERTIFIED FINANCIAL PLANNER™ professional, he takes great satisfaction in helping his clients work toward achieving their financial goals. Kevin has a gift for building strong professional relationships with his clients. He is a native of Waukesha and holds a degree in personal finance from UW-Madison. Value-Driven Successes Kevin is determined to help clients make educated decisions about their investments. Through seminars and during appointments, he shows his dedication and experience by helping clients truly understand the potential benefits of stocks, bonds, mutual funds and retirement accounts. Kevin is a well-rounded person with a passion for learning about other cultures, and has traveled in Croatia, France and other parts of the world. He also has other talents and interests, including swimming, playing the piano and learning ukulele. Tim Schiefelbein, CFP® Financial Consultant tschiefelbein@uwcu.org “I enjoy working with people to improve their financial well-being. Seeing results happen from having a good working relationship will never get old.” Experience & Background Tim began working in investment services in 2006 following several years of work in life, health, and disability insurance. He thrives in client-driven work environments where the expectation is to put clients' interests first. Tim enjoys working through the specifics of clients' plans to bring order to their financial world and put them on a path to work toward meeting their goals. He specializes in creating comprehensive financial plans** that include both short- and long-term savings, retirement and estate planning, as well as insurance solutions. Tim has been working at Investment Services at UW Credit Union since November 2018 and holds a bachelor’s degree in personal finance from UW-Madison. After a day of financial consulting, Tim goes home to his wife and three young boys. Together they go on walks or bike rides, visit parks, coach the boys at sports, or play games. During his free time, you can also find him diving into good books. Value-Driven Successes Tim knows that not all people have the same needs, so he always strives to help clients solidify their personal, specific goals. He then works with them to create a plan to work toward accomplishing their goals and helps implement it to the best of his abilities. Tim believes peoples’ financial well-being is a process that needs attention, effort and commitment. He teaches clients to be intentional with their finances and how their lives can be enriched through purposeful planning. Justin Novara, CFP® Financial Consultant jnovara@uwcu.org “Remain connected with your financial consultant for ongoing support, monitoring and adjusting of your investment plan.” Experience & Background Justin has been in the financial industry since 2011. Prior to joining the Investment Services team in 2014, he held the role of a Financial Specialist. Justin is a graduate of UW-Madison with a bachelor’s degree in Personal Finance. He has obtained the esteemed CERTIFIED FINANCIAL PLANNER™ designation, and also carries his Series 7 and 66 securities registrations through LPL Financial, as well as his Life and Health Insurance licenses. Justin is married and a father to a beautiful little girl. In his free time beyond family, Justin enjoys watching all of Wisconsin’s sports, staying active through playing competitive volleyball, and has an obsession with fishing and the outdoors. Value-Driven Successes Justin got into the financial planning industry because he wanted to help people demystify their finances. He believes that personal finance is a misunderstood topic for many people, and yet it is one of the most influential factors that guide people’s everyday lives. Justin has a true passion for financial education and shares his wisdom through public seminars. Justin also specializes in helping members in all phases of their lives to work toward solving the complicated puzzle of financial and retirement planning. He thoroughly enjoys getting to know every member and their unique situations, providing them professional advice for their circumstances and building strong relationships for the long haul. Ryan Boyd Financial Consultant rboyd@uwcu.org “Financial planning doesn’t have to be rocket science. I thrive on listening to people’s goals and helping them design an actionable plan that works best for them.” Experience and Background Dedicated and hard-working, Ryan has been delivering value and helping people work toward their financial goals since 2012. His career has revolved around holistic financial planning for individuals, families and businesses, specializing in retirement and income strategies. Ryan joined Investment Services at UW Credit Union in 2019. He holds a bachelor’s degree in applied math, engineering and physics from UW-Madison. In addition to valuing the time with his family and friends, Ryan enjoys the competition of intramural sports leagues, and spending time in the great outdoors. Value-Driven Successes Ryan always tries to go above and beyond to help individuals strive toward their goals, no matter whether they’re new to investing or have significant experience. As a first-generation college graduate, Ryan deeply values the importance of education, especially when it comes to building a strong foundation of financial knowledge to plan wisely for the future. Whether he’s helping clients master basic concepts, or conducting an in-depth retirement income needs analysis, Ryan enjoys guiding people on their journey to work toward greater financial well-being. Katelyn Stanton, CFP® Financial Consultant kstanton@uwcu.org “It is never too early or too late to establish a relationship with a trusted financial professional.” Experience & Background: Born and raised in Madison, Katelyn has strong ties to the area, including obtaining a bachelor’s degree in personal finance from the University of Wisconsin-Madison. Combining her devotion to the Madison area and her background in finance, it was a clear choice for Katelyn to lead a career at UW Credit Union. Katelyn started at UW Credit Union in 2015 and has been passionate about helping her local community better understand their finances and work toward meeting their financial goals. Throughout Katelyn’s career in financial services, she has consistently worked to improve her industry knowledge and skills. She studied for and achieved distinctive professional designations, including becoming a CERTIFIED FINANCIAL PLANNER™ professional. Other notable credentials include holding her Series 7 and 66 FINRA registrations, which are currently held with LPL Financial, and Life and Health Insurance licenses. Outside of work, Katelyn and her family enjoy a laid-back lifestyle, which includes rooting for the Green Bay Packers, enjoying country music concerts, and spending as much time as possible outside in the summer. The one aspect of Wisconsin that Katelyn does not enjoy is the cold weather, so she takes advantage of the wintertime to vacation to warmer destinations. Value-Driven Successes: For Katelyn, the most meaningful aspect of her position is connecting with clients on a more personal level. Putting clients’ interests first is at the core of Katelyn’s practice and just one of the reasons she enjoys fulfilling, long-term relationships with those she serves. As a working mother, Katelyn understands how financial planning can fall by the wayside when other obligations in life seem more important. Being a financial planner, Katelyn knows the value of putting a financial plan in place, and does it through a warm, personalized experience for her clients. With so many aspects to financial planning, it is exciting for Katelyn to help bring everything together for her clients so that they can feel confident in their future and focus their time on what they enjoy. Tony Francois, CFP® Financial Consultant afrancois@uwcu.org “A financial consultant is more than a money manager, look for someone with the heart of a teacher to be with you on every step of your journey.” Experience & Background From a young age, Tony always knew he wanted to work in the financial services industry. He was drawn to financial advising since he finds it rewarding to assist people with their financial goals and build strong relationships. Prior to joining the investment services team, Tony first started at UW Credit Union in 2017 as a financial specialist. He received his bachelor’s degree in business finance from UW Oshkosh. He also has a certification in Financial Planning from Boston University. He has obtained the CERTIFIED FINANCIAL PLANNER™ designation and carries his Series 7 and 66 securities registrations through LPL Financial, as well as his Life and Health Insurance licenses. Outside of work, Tony loves staying active through playing hockey and golf. He also enjoys watching Wisconsin sports, relaxing at a lakeside cabin in Minocqua, and spending quality time with family and friends. Value-Driven Successes Tony grew up in Madison, and therefore understands the community he serves deeply, which he believes helps him better understand the needs of his clients. Tony believes fostering a personal connection with each client is what makes someone a good advisor. Tony plans to build these relationships by being an active listener and using compassion to truly understand each client’s individual needs and goals. Stephanie Bissell LPL Registered Sales Assistant Stephanie loves helping clients by assisting with their financial needs. Energetic and motivated, she is adept at building long-lasting professional relationships, and is always sensitive to each individual client's needs. Every day, she works to help credit union clients feel supported and confident about their financial future. A proud Badger through and through, Stephanie holds a bachelor's degree in personal finance from UW-Madison. She thoroughly enjoys spending quality time with family and friends, taking relaxing walks with her dog, baking delectable treats, and reading riveting novels. Regan Calvert LPL Registered Sales Assistant Regan has always been passionate about personal finance and wealth management, which is why she chose a career in financial services. A natural-born problem solver, Regan easily connects with others and loves assisting financial consultants’ work with clients to pursue their lifetime goals. She has made a difference in others' lives as a volunteer tax preparer in connection with Volunteer Income Tax Assistance program. Regan holds a bachelor's degree in personal finance from UW-Madison. An avid long-distance runner, she has completed a half marathon, and looks forward to competing in full marathons. She also has taken up gymnastics and loves to play the piano. Andrew Kroll LPL Registered Sales Assistant A graduate of UW-Stevens Point’s School of Business and Economics, Andrew combines a deep interest in investing with a sharp focus on customer service. Prior to becoming a sales assistant, he spent five years serving UW Credit Union members as a teller and a financial specialist. He began his career in Madison, then moved to the Milwaukee area, where he worked at multiple branches. Andrew believes that honesty, trust and consistent communication are the foundation of strong relationships. Making life easier for clients, especially during challenging times, is one of his top priorities. When their needs are met and their goals are in sight, he knows he has succeeded. Michelle Zebrowski Sales Assistant Michelle draws from her personal finance and customer service experience to assist each client. Before coming to UW Credit Union, she completed internships at Northwestern Mutual and Morgan Stanley and earned a bachelor’s degree in personal finance from UW-Madison. Careful listening, personalized service and lifelong learning are cornerstones of Michelle’s approach to her work. She strives to help clients develop the skills they need to make informed decisions about their finances, especially as they plan for retirement. Outside of work, Michelle enjoys traveling with her husband, spending time with her cats and cheering on the Badgers, Packers and Bucks. Matt Ruppe Director of Investment Services mruppe@uwcu.org "Everyone needs a plan to be successful. Take control of your financial future...don't leave it to luck or chance." Experience & Background Matt is an investment professional who has worked in the industry since 1998 as a financial consultant, banker and regional sales manager. During that time, Matt has successfully managed two licensed banker programs. He specializes in tax law and retirement and estate planning to help clients make sound financial decisions. He graduated from UW-Whitewater with a degree in finance and marketing. Value-Driven Successes Matt thrives on finding creative solutions to complex problems, and it drives him to help clients gain understanding and confidence. Beyond that, Matt takes the time to get to know his clients and truly cares about them. For example, when one of his clients was diagnosed with Alzheimer's, he researched state laws and developed a plan for the client to reduce debt and afford long-term care. He counts this as one of his greatest accomplishments. Teo Trandafir AVP of Investment Services ttrandafir@uwcu.org “Work with an advisor that you can trust to put your best interest first.” Experience & Background Teo is responsible for the overall strategic direction and success of Investment Services at UW Credit Union and provides leadership to the team. Teo has been an executive in the wealth management industry since 2000, developing extensive experience in investment program management and enhancing the client experience. Teo previously held the position of assistant vice president at Partners Retirement and Wealth Management in Burbank, California. Prior to joining Partners Retirement and Wealth Management in 2007, Teo held various management positions in the industry. In addition, he serves on the board for the Product & Research Organization for Credit Unions (PROCU), as well as the School of Human Ecology’s Personal Finance Advisory Board at UW-Madison. Teo has bachelor degrees from California State University San Bernardino and a master’s degree in finance from University of Redlands. He also attended the Euromed School of Management in France. Value-Driven Successes Teo’s passion for serving clients resides at the core of his management philosophy – providing the best service experience possible. In fact, he encourages and supports his team in their efforts to increase their knowledge of the industry in order to improve the client experience. Teo looks for ways to improve clients’ financial lives and works to foster this guiding principle in his staff. Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. UW Credit Union and Investment Services at UW Credit Union are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Investment Services at UW Credit Union, and may also be employees of UW Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of UW Credit Union or Investment Services at UW Credit Union. Securities and insurance offered through LPL or its affiliates are: Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. 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