David B. Loeper, CIMA®, CIMC®

Chairman / CEO

David B. Loeper is a Certified Investment Management Analyst®, a Certified Investment Management Consultant® and the CEO of Wealthcare Capital Management, Inc. A Registered Investment Adviser Representative with nearly 25 years experience, Mr. Loeper has appeared on CNBC, CNN, Fox Business and Bloomberg TV.

Mr. Loeper joined Wheat First Securities as vice president of investment consulting in 1988, where he served for 10 years. He was promoted to managing director of investment consulting, and then eventually to managing director of strategic planning for the retail brokerage division. He left his position at Wheat First Securities in 1999 to found Financeware, one of the most respected and influential pieces of financial planning technology around today. Through its success, Mr. Loeper saw even greater need and opportunity to improve the industry and subsequently launched Wealthcare Capital Management®.

Active in industry associations throughout his career, Mr. Loeper has been a member of the Investment Management Consultants Association (IMCA) for over 20 years, serving on the Advisory Council for more than 5 years, including a role as chairman. Mr. Loeper was also appointed by the governor of Virginia to serve on the Investment Advisory Committee of the nearly $30 billion Virginia Retirement System. He received his CIMA® designation in 1990 by completing a program offered through Wharton Business School, in conjunction with IMCA.

Drawing on years of experience in financial services including serving as a fiduciary for all types of ERISA plans, Mr. Loeper has authored numerous whitepapers and books including the top selling book, Stop the 401k Rip-off! as well as The Four Pillars of Retirement Plans, Stop the Retirement Rip-off and Stop the Investing Rip-off.

Robert P. Wilson

Senior Managing Director / Chief Financial Officer / Chief Compliance Officer

Mr. Wilson served as Managing Director and Treasurer of First Union Corporation's Retail Securities Group, which is now part of Wells Fargo Advisors, the third largest retail brokerage organization in the United States. His last assignments at First Union included M&A analysis and acquisition due diligence and financial analysis on First Union's e-commerce brokerage strategy.

Mr. Wilson joined First Union following the merger of First Union and Wheat First Butcher Singer, Inc. in 1998. At Wheat First, he was Managing Director and Treasurer with over 17 years of finance, accounting, financial systems, capital utilization and risk management experience in a variety of positions, including serving as Chairman of Wheat First's Capital Markets and Fully Disclosed Clearing Credit Committees. Prior to joining Wheat First, Mr. Wilson worked for three years in public accounting with Ernst & Young. He earned a BS degree in Accounting from Virginia Tech and a MS in Business with a Finance concentration from Virginia Commonwealth University.

Karen K. Nelson

Senior Managing Director / Chief Advisory Services Officer

Ms. Nelson comes to Wealthcare Capital Management® with extensive project management and systems analysis experience in various vertical markets. She has managed many diverse development projects ranging from financial application development projects to a major supply chain re-engineering project. Prior to joining Financeware in 2000, Ms. Nelson served as Manager of Mid-Atlantic Application Development for The Allied Group. While at The Allied Group, Ms. Nelson managed application development projects for such companies as: AOL Time Warner, National Geographic, Sun Microsystems, General Motors, Phillip Morris, NEXTEL and others. Prior to working with The Allied Group, Ms. Nelson was with the Westvaco Corporation managing numerous system analysis and information system development projects.

Ms. Nelson holds degrees in computer science and business administration.

Perry L. Chesney, CFP®, CIMA®

Senior Managing Director / Global Client Group

Perry L. Chesney is Senior Managing Director of Wealthcare Capital Management®'s Global Client Group and a member of its Executive Committee. Mr. Chesney has over 25 years of experience in the financial services industry, most recently as Senior Vice President and Central Division Manager at SunTrust Investment Services. Prior to his position at SunTrust, Mr. Chesney was a Private Wealth Advisor with Merrill Lynch, where he worked for over 22 years.

Mr. Chesney is a frequent speaker for area financial planners and investment professionals and has done extensive speaking and teaching around the country for Merrill Lynch and SunTrust. In January 2004 and again in 2005, Mr. Chesney was recognized by Robb Report Worth Magazine as one of the TOP 100 Financial Advisors in America.

He has served on the Board of Directors for both the Baton Rouge CLU/ChFC Association and the Baton Rouge Chapter of the IAFP. He served on the board of the Greater BR Food Bank from 1996 until 2002 and was the Board President in 2002. Mr. Chesney was also Board Treasurer of the General Health System Foundation in 2002.

Mr. Chesney received a Bachelor of Business Administration from Millsaps College, where he graduated cum laude. He then went on to do graduate work in economics and finance at Louisiana State University. He holds, a number of professional designations including: Certified Financial Planner (CFP®), Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU) and Certified Investment Management Analyst (CIMA®). He is a member of the Association for Investment Management and Research (AIMR) and the International Association of Financial Planners (IAFP).

Richard L. Bartholomew II, MBA, CFP®

Vice President / Wealthcare Advisor

Mr. Bartholomew provides objective goal-based private wealth management through the revolutionary Wealthcare process, taking great pride in delivering timely and responsive service to his clients. He joined Wealthcare Capital Management® with his Atlanta-based financial advisory practice in the spring of 2010.

He has extensive experience in the investment advisory and banking industries including the development of comprehensive financial and estate planning solutions for high net worth individuals and families. His past positions include Vice President/Wealth Planning Analyst with Citi Global Wealth Management, Senior Financial Planner for Ronald Blue & Co., and Financial Advisor to dentists and physicians at Mercer Advisors.

Mr. Bartholomew has a Bachelor of Business Administration in Finance and a Master of Business Administration from Marshall University. He earned his CFP® designation in 2005.

Caitlin Cully

Wealthcare Advisor

Drawing upon her experience of more than 4 years in the financial services industry as a financial advisor (Wachovia Securities) and financial consultant (Pittsburgh based Registered Investment Adviser), Ms. Cully has a meaningful understanding and commitment to providing life relative financial advisement to her clients. As a Wealthcare Advisor, Ms. Cully specializes in wealth management and delivering the Wealthcare process by understanding the needs, concerns and dreams of her clients.

Ms. Cully has a BA in Business Management from Kent State University. While attending Kent State, Caitlin competed nationally as a player of their Women's golf team. She is an active resident in the Pittsburgh community and enjoys spending time with her family and friends, as well as being in the outdoors, skiing, biking, running and golfing.

John ("Jack") J. Cully

Senior Vice President / Investment Manager

With over thirty years of investment industry experience advising high net worth individuals, families and retirement plans, Mr. Cully delivers objective and continuous life relative financial advice for his clients. His past experience includes Wachovia Securities as a Senior Vice President-Investment Officer and Senior Private Investment Management Portfolio Manager. Prior to joining Wachovia Securities in 2002, he was with Merrill Lynch as Vice President, Private Investment Advisor Portfolio Manager.

The father of three children and a lifelong resident of the Pittsburgh area, Mr. Cully attended Clarion University and earned a BA in Business Management.

Christopher Hessenflow

Wealthcare Advisor

Christopher Hessenflow joined Wealthcare Capital Management® in 2011 and serves the Chicago, IL metropolitan area. His mission is to change the way individual investors approach their financial lives by measuring success not by returns, but through the achievement of their life's goals.

He has 15 years of financial service experience, having worked at Capital One Financial, American Express Financial Advisors, and ABN Amro Financial Services. In 2003, he sought to become independent and formed Hessenflow Financial Planning in order to best meet the needs of his clients.

Mr. Hessenflow graduated from George Mason University in 1994 with a BS in Economics. He studied financial planning and earned his certificate in 2002 from DePaul University. He also teaches personal financial planning courses.

Mr. Hessenflow is married and has two daughters. He and his family are active in their community of Hampshire, IL, where he serves on local boards and coaches youth soccer.

Russell G. Thornton

Vice President / Wealthcare Advisor

Mr. Thornton joined Wealthcare Capital Management® in the fall of 2009 and is dedicated to using the revolutionary Wealthcare process to make the most of his clients' lives. In 2006, he founded Thornton Wealth Management, LLC in order to fulfill his vision of truly personalized financial and wealth management services.

Prior to starting Thornton Wealth Management, Mr. Thornton was a Financial Consultant with Merrill Lynch for over 12 years. He graduated from Furman University in 1993 with a degree in Business and Computer Science and has nearly two decades of financial service experience.

Outside his wealth management practice, Mr. Thornton serves as a trustee for the non-profit Georgia Eye Bank.

Richard ("Rick") C. Van Zandt, CPA, PFS

Wealthcare Advisor / Registered Investment Advisor Representative

Mr. Van Zandt joins Wealthcare Capital Management as an adjunct to Van Zandt Financial Services, PLLC, his other business which specializes in accounting and tax services. He earned his CPA in 1999, and was with CRI Capital Management from 1999 until 2009 before starting Van Zandt Financial Services with his wife, Corrinne. He has worked in financial planning for the past 5 years, and will now serve as a Wealthcare Advisor while remaining at Van Zandt Financial Services.

Additionally, Mr. Van Zandt has previously worked for the national accounting firm formerly known as Altschuler, Melvoin, and Glasser, and as an accounting manager for Egghead Computer.

He has lived in Rathdrum, Idaho for the past 12 years, and graduated from California State University Northridge with a Bachelor of Science in Business.

Mr. Van Zandt is married with three grown children, and serves on the boards of a non-profit historical society and a non-profit radio station.

Bryan G. Brown

Financial Advisor / Certified Wealthcare Analyst

Mr. Brown joined Wealthcare Capital Management in February 2010 and services his practice as part of the Young Financial Group, located outside Youngstown Ohio. He is dedicated to helping each of his clients live better with greater confidence and less investment risk.

Mr. Brown has been providing investment advice and financial planning services with the Young Financial Group since 2002. Prior to starting in the Financial Industry, Mr. Brown spent eight years managing a family manufacturing business. He was also in the Automotive Stamping Industry for ten years as Engineering Manager responsible for the pricing, estimation, engineering and construction of manufacturing dies and machinery. He earned a BA in Economics in 1984 from Wittenberg University and an Executive MBA from Cleveland State University in 1993.

Mowry W. Young II

Investment Consultant

Mr. Young brought the Young Financial Group to Wealthcare Capital Management® in early 2010 in order to better his client's lives, to create competitive advantage for his firm, and to seek professional and intellectual growth.

Mr. Young opened the Young Financial Group in 2000 as a DBA for his business with John Hancock. He made a 100% conversion to fee based investment business in that year. Prior to starting the Young Financial Group, Mo was an insurance and investment sales associate with John Hancock, where he gained national recognition.

Before entering the Insurance and Financial Services Industry, Mr. Young worked as a personnel supervisor in the Steel Industry in his native Ohio. He served in the U.S. Army as a platoon leader and an executive officer in two companies at Ft. Bragg and in the Middle East, and left the armed forces in 1988. He majored in History and Military Science at Wittenberg University, and has an MBA from Case Western Reserve University.

From 2004 to present, Mo has successfully operated a referral only business through highly personalized service coordinated with a client advisory board and client events. In his first year after converting his business to Wealthcare Capital Management®, Mr. Young saved his clients over one million dollars in investment expenses and thereby was able to increase his typical client's potential spending level in retirement. He is dedicated to constantly improving his client's lives through the Wealthcare process.

William B. Akers, AIFA®

Vice President / Wealthcare Analyst

Mr. Akers joined Wealthcare Capital Management in October 2000 and is a regional manager for the firm's Wealthcare Capital Management® business. Mr. Akers' responsibilities include; training and support, financial plan preparation and instructor for the Certified Wealthcare Analyst program. He is a member of IMCA (Investment Management Consultants Association) and the Financial Planning Association. Prior to joining Financeware, Mr. Akers worked in the electronic voting machine and private election services industry.

Mr. Akers earned a degree in Business Finance with a Minor in German from Virginia Commonwealth University and a Post Baccalaureate Certificate in Financial Planning from Boston University. He has also earned the Accredited Investment Fiduciary® designation through the Center for Fiduciary Studies. He is currently pursuing the Certified Financial Consultant (ChFC®) designation.

Procter Fishburne / CFP®

Associate Vice President, Wealthcare Analyst

Mr. Fishburne joined Wealthcare Capital Management® in December 2009 as a Wealthcare Analyst. His responsibilities include financial plan preparation and support. He has over 10 years of financial services experience and has worked as a Sr. Financial Analyst for Wachovia Securities and more recently as a Financial Planning Associate for a local wealth management company serving in the capacity of analyzing investments and preparing financial plans.

Mr. Fishburne is a CFP® and holds a BS degree in Mathematical Economics from Hampden-Sydney College and an MBA from University of Richmond.

William J. Malla, CPA

Vice President / Controller

Mr. Malla is responsible for the day to day financial management of the firm, including all accounting, payroll, benefits, and human resource functions. He also manages the fee billing process and compensation and commission systems.

Prior to joining Wealthcare Capital Management®, Mr. Malla was an Associate Vice President with First Union Securities. He served in several different capacities at First Union, the last being Financial Analyst in the Profit Formula program, a semi-independent representative business where he managed the compensation program.

Mr. Malla has a BS degree in Finance from Virginia Tech, is a Certified Public Accountant, and is a member of the American Institute of CPAs and the Virginia Society of CPAs.

Theresa A. Muller

Vice President, Paralegal & Compliance Officer

Ms. Muller joined Wealthcare Capital Management® in October 2010 and is responsible for contract reviews and drafts, legal and regulatory research as well as compliance testing and support for the firm and its DBAs. Ms. Muller has over 15 years experience in the financial services industry and most recently worked for the hedge fund-of-funds, Ivy Asset Management, a registered investment adviser in New York, with over $18 billion under management at its peak. During her time with Ivy Asset, Ms. Muller served in several different capacities and was responsible for portfolio compliance, manager due diligence review and the subscription process for Ivy's investments with the underlying hedge fund managers. Prior to 2001, Ms. Muller worked in investor relations in the mortgage industry as well as sales and marketing in the hospitality industry.

Ms. Muller has a BBA in Business Management from James Madison University as well as a Paralegal Certification from Hofstra University. A native of Long Island, New York, Ms. Muller and her family moved to Central Virginia in 2010.

Brandy N. Weiberg

Vice President, Portfolio Management

Ms. Weiberg joined Wealthcare Capital Management® in May 2004. She has worked in numerous functions during her tenure including consulting with major institutional clients of the firm on technical aspects of the Wealthcare process, relationship management with corporate retirement plans and ERISA third party administrators, model portfolio design and research for college and university retirement plans, researching and designing trading systems and processes, designing individual Wealthcare plans, as well as accounting, tax analysis and trade approvals. She now leads our portfolio management team for the firm's Wealthcare Capital Management® business. In this role, Ms. Weiberg's responsibilities include supervision of portfolio management, trading operations, and performance measurement for client accounts and portfolio models.

Ms. Weiberg earned a degree in Business Administration from the University of Mary Washington.

Edward ("Gary") Wirwille, CRPC®

Vice President, Retirement Plans

Mr. Wirwille has more than 20 years of qualified and non-qualified retirement plan experience, most recently as a Business Development Director for RSM McGladrey's Retirement Resources covering the Mid-Altantic and Northeast. His depth of experience in the industry includes plan design, funding, communication, education and administration. As Vice President of Retirement Plan Consulting Services of Wachovia Securities, LLC. Mr. Wirwille played a critical role in the strategic marketing, development and sales of retirement plan business.

Mr. Wirwille has a bachelor's degree from Virginia Tech and a Retirement Plans Associate's designation from the Wharton School of the University of Pennsylvania. He earned the Chartered Retirement Plan Counselor® designation through the College for Financial Planning and also earned the Accredited Investment Fiduciary® designation through the Center for Fiduciary Studies at the University of Pittsburgh.

Kenneth R. Wolf, CPA

Wealthcare Analyst

Mr. Wolf served as Managing Director and Treasurer of Wachovia Securities, now Wells Fargo Advisors, the nation's third largest retail brokerage firm with over $15 billion in assets. At Wachovia Securities, he was responsible for external bank relationships and funding, short and long term balance sheet management, cash management, net interest income, and financial and regulatory capital management. During his 16-year career with the firm and its predecessors, he also served as Director of Financial Planning and Analysis, with responsibility for profitability analysis of acquisitions and firm initiatives, and as Chairman of the firm's Benefits Committee.

Mr. Wolf is a Certified Public Accountant and a Certified Treasury Professional. He holds a BS degree in Finance and an MBA from Virginia Commonwealth University.