Wealthcare Capital Management
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Building a Revolution
Richard L. Bartholomew II, MBA, CFP®
Vice President / Wealthcare Advisor
Steve Bergeron
Wealthcare Advisor
Bryan G. Brown
Financial Advisor
Scarlott Cagle, MS-PFP, CFP®, EA
Wealthcare Advisor / NAPFA-Registered Financial Advisor
Caitlin Cully
Wealthcare Advisor
John ("Jack") J. Cully
Senior Vice President / Investment Manager
Christopher Hessenflow
Wealthcare Advisor
Brad Michels, CFP®, QPFC
Wealthcare Advisor
James D. Mirenda, CFP®
Wealthcare Advisor
Russell G. Thornton, CDFA™
Vice President / Wealthcare Advisor
Mowry W. Young II, MBA
Senior Vice President / Investment Consultant


MEET OUR ADVISORS

Richard L. Bartholomew II
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.


Steve Bergeron
Steve Bergeron
Wealthcare Advisor

Mr. Bergeron joined Wealthcare Capital Management® in 2013. He feels that as a Wealthcare Advisor he has the unique ability to make the most of his clients' only lives. He is proud to provide life relative advice that helps clients make the best possible financial decisions based on their unique goals and priorities.

Mr. Bergeron has over two decades of experience in the financial services industry and has been an Independent Financial Advisor since 2003. Prior to practicing independently through Cambridge Investment Research, Inc., he worked as a Financial Advisor at Granite Bank. His experience in the investment advisory and banking industries includes the development and implementation of comprehensive financial plans for individuals and families.

Mr. Bergeron graduated from Springfield College in 1982 with a Bachelor of Science degree. His advisory practice is based in Keene, New Hampshire where he lives with his wife Nataliya and their daughter Christina.


Bryan G. Brown
Bryan G. Brown
Financial Advisor

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.


Scarlott Cagle
Scarlott Cagle, MS-PFP, CFP®, EA
Wealthcare Advisor / NAPFA-Registered Financial Advisor

Scarlott Cagle joined Wealthcare Capital Management® in 2012 and serves clients in the Decatur and metro Atlanta areas. She is passionate about helping her clients make good financial decisions to achieve their goals. Ms. Cagle is a NAPFA-Registered Financial Advisor offering fee-only financial planning and investment management services.

Ms. Cagle embraced the Wealthcare process because she truly believes it unites financial planning and investment management intelligently and rationally to create meaningful outcomes for her clients. She takes great pride in delivering timely, relevant advice and she feels that giving her clients peace of mind is paramount to her success as an advisor.

Ms. Cagle recently became an Enrolled Agent with the IRS, and she is also currently pursuing Wealthcare's Certified Wealthcare Analyst designation. She enjoys reading, running, traveling and cooking.


Caitlin  Cully
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 on 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
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
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 coaches youth soccer and serves on the Board of Trustees for the town's police pension fund.


Brad Michels
Brad Michels, CFP®, QPFC
Wealthcare Advisor

Brad Michels joined Wealthcare Capital Management® in 2012 and serves his clientele on both sides of the Ohio River from his office in Southern Indiana. 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. In 2013, he launched careWell in partnership with his wife, Elizabeth Michels. Together they take a holistic approach to financial and wellness planning to foster a community that is better positioned to achieve their goals while reducing risk and sacrifice. Their passions for financial life planning and overall wellness allow them to help clients live a more enriching life with purpose and direction.

Mr. Michels has nearly two decades of experience in the financial service industry, holding positions at AEGON and Multi-Funds, Inc. Based on his belief that an advisor must be independent and free of conflicts, he formed Concentric Fiduciary Advisors in 2009.

Mr. Michels graduated from the University of Kentucky in 1991 with a BBA in Marketing and earned his MBA from Webster University in 1996. He attained his CFP® certification in 2006 and his QPFC designation in 2010. Mr. Michels served during Desert Storm/Shield in 1991 and was awarded the Army Achievement Medal for meritorious service. He currently resides in Floyds Knobs with his wife and daughter and is actively involved with Holy Family Parish.


James D. Mirenda
James D. Mirenda, CFP®
Wealthcare Advisor

Mr. Mirenda joined Wealthcare Capital Management in 2012. He has over a decade of experience advising families and institutions with the firms of Aubrey G. Lanston, Manchester Capital Management, and Merrill Lynch. He has also worked in the technology and renewable energy fields. Today, he focuses specifically on guiding clients towards their long-term financial goals, rather than making short-term market predictions.

Mr. Mirenda earned his CERTIFIED FINANCIAL PLANNER™ designation in 2006. He is a graduate of Lehigh University ('94) and Cornell University ('99), where he received his Master of Business Administration.

He and his wife Holly live in East Dorset, Vermont and are blessed with three wonderful children. Mr. Mirenda spent his high school summers working on a professional auto racing team where he honed his appreciation for teamwork and attention to details. He is an avid fly-fisherman, an occasional athlete, and an advocate for blood and bone marrow donation.


Russell G. Thornton
Russell G. Thornton, CDFA™
Vice President / Wealthcare Advisor

Mr. Thornton joined Wealthcare Capital Management in 2009 in order to be at the forefront of the revolution in financial planning, financial advice and wealth management — the Wealthcare Revolution. He believes in simple, highly effective wealth management strategies, and he is dedicated to helping his clients meet or exceed their unique goals with confidence and comfort.

Mr. Thornton graduated from Furman University in 1993 with a degree in Business and Computer Science. Prior to joining Wealthcare, Mr. Thornton was a Wealth Management Advisor with Merrill Lynch for over 12 years. In 2006 he founded Thornton Wealth Management in order to fulfill his vision of truly personalized financial and wealth management services. He earned his Certified Divorce Financial Analyst™ (CDFA™) designation from the Institute for Divorce Financial Analysts™ in 2012.

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


Richard G. Van Zandt
Richard G. Van Zandt, CPA, PFS
Wealthcare Advisor

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 for the Rathdrum/Westwood Historical Society and the non-profit radio station 89.9 KYMS FM, The Bridge as well as acting as a Commissioner of the Rathdrum Planning and Zoning Commission.


Mowry W. Young II
Mowry W. Young II, MBA
Senior Vice President / Investment Consultant

Mr. Young brought the Young Financial Group to Wealthcare Capital Management® in early 2010 in order to better his clients' 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.


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