Guides to Wealth Excellence

Jim is a member of Ethos’ management committee and is responsible for the broad development of adviser service, practice management and recruiting. Previously, Jim oversaw a $2 billion RIA in the Philadelphia suburbs. Jim leverages his 20 years of portfolio management experience in helping our adviser partners construct, implement and manage client financial plans and investment allocations. Jim has also served as the lead portfolio manager for a multi-family office and an institutional alternatives advisor to multi-billion Taft-Hartley and Fortune 50 pension plans. Boston College undergrad, Wharton MBA.

Jim lives in Philadelphia’s suburbs with his wife, Julie, his three daughters and his two sons. If you see Jim outside of work, it’s most likely at church, or a youth sports outing for his children.

Dan is a member of Ethos’ management committee and is responsible for the implementation and management of the Ethos Adviser Platform for its adviser clients. Dan leverages his prior COO role to deliver the highest value to adviser partners, mostly by way of enhancing the operational service offering to the end clients. Dan has 10 years of industry experience, where he served as an analyst for a multi-family office and an institutional alternatives advisor to multi-billion Taft-Hartley and Fortune 50 pension plans. Thereafter, Dan went on to partner and build a billion-dollar RIA before launching Ethos. University of Delaware undergrad.
Dan lives in Philadelphia with his wife, Amanda. When not hard at work, Dan can be found hiking, travelling or golfing.

Robert J. Bagonis, Jr. co-founded Tritium Private Wealth Strategies, LLC in 2014 specializing in quantitative analysis and financial modelling for families and private businesses. Robert’s core focus involves engineering financial solutions for estate, business succession/exit, investment, and insurance needs. 

Robert has presented nationwide to financial advisors, banks, insurance companies, NAIFA and other institutions sharing knowledge of current topics and techniques for financial security in an ever-changing economic environment and industry.  

Prior to Tritium, Robert managed the Wealth Advisory Group at New England Financial’s leading firm, overseeing the implementation of planning strategies for hundreds of families and private business owners.

Robert holds licenses and certifications for investments and insurance and received a Bachelor of Science in Business from Pennsylvania State University.

Bill heads up Ethos Family Office and Institutional client service. He provides strategic counsel to families and entrepreneurs, including Set-Up and Best Practice Consultation, Global Custody and Prime Brokerage, Consolidated Portfolio Reporting, Liability Management, and all aspects of client balance sheet needs. Bill owns and proactively coordinates efforts and planning with our clients' CPA, estate planning attorney, insurance and other advisors. Bill previously advised clients at Credit Suisse, Deutsche Bank and Wells Fargo. Bill graduated from  Lafayette College and holds FINRA Series 7, 63, 65 licenses. 

Jamie is a senior partner in the Multi-Family Office and Institutional client service groups. She has been assisting families and institutional clients in all aspects of account maintenance including, consolidated reporting, operations, and portfolio management support. Jamie has over 25 years of experience having worked with clients at Credit Suisse, Deutsche Bank, Goldman Sachs and Wells Fargo. Jamie graduated from Syracuse University and holds FINRA series 7, 63 and 65 licenses. She is active in the Willistown Conservation Trust, a local non-profit focused on land preservation and wildlife conservation.

Dustin Dowling is the Managing Partner.  An alumnus of Louisiana Tech University, Dustin spearheads new client development.  Prior to joining Peters Wealth Advisors, Dustin served in a business development and sales role with the Guidant Corporation and Boston Scientific.   In 2009, Dustin was appointed by Governor Bobby Jindal to the Louisiana Professional Counselors Board of Examiners.  Dustin also served on the Governor’s Prayer Breakfast Steering Committee. Dustin is a long time member of the Baton Rouge Rotary Club.

Lex is a Partner of Ethos Family Office and Institutional client services. He provides strategic advice to families, professionals, and businesses in respects to their investment planning and cash flow management, risk mitigation, opportunity analysis, and generational wealth strategy. Lex proactively manages the efforts of his clients’ CPA, insurance advisor, estate attorney, and other professionals. He previously advised clients at Northwestern Mutual and Wells Fargo Advisors.

Lex graduated from High Point University and holds FINRA Series 7 and 66 licenses. He is a Member the Union League of Philadelphia and Board Member of the Yacht Club therein.

Mike is a Financial Advisor at Front Street Financial. After graduating from Frostburg State University with a degree in mathematics and minor in actuarial science, Mike entered the financial services field in 1997. He worked for a number of years as an actuarial analyst with consulting firms such as Mercer and Aon. He started his career as a financial advisor in 2008 at Wachovia Securities, which became Wells Fargo Advisors. Mike holds the Chartered Retirement Planning Counselor professional designation awarded by the College for Financial Planning.

Alan is the Founder and CEO of Alpha Whiskey. He provides strategic counsel to families and entrepreneurs, including Set-Up and Best Practice Consultation, Global Custody and Prime Brokerage, Consolidated Portfolio Reporting, Liability Management, and all aspects of client balance sheet needs. Alan proactively coordinates efforts and planning with our clients' CPA, estate planning attorney, insurance and other advisors. Previously, Alan ran a nearly $3B wealth management practice in Southern California for a Wall Street firm. He previously advised clients in commercial real estate matters at Jones Lang LaSalle and The Staubach Company. Alan graduated from the US Naval Academy with a BS in Economics and from UCLA Anderson with an MBA with specialties in both Finance and Entrepreneurship. Alan holds FINRA Series 7, 9, 10, 31 and 66  licenses.  Alan also serves as the Head of Investor Relations for Verde Equity Partners.  He has spent 24 years in active and reserve service in the US Navy and retired as a Captain/O6. Alan serves on the board of directors of the San Diego Air & Space Museum and the finance committee for the San Diego Humane Society.  Alan is active in YPO.  

Kyle Stuckey is a seasoned financial advisor with a strong commitment to helping clients strategically manage and grow their wealth. With a focus on comprehensive financial planning, Kyle specializes in guiding clients through pivotal life stages. His approach integrates tax strategy, investment management, and long-term goal alignment to ensure that each client’s financial resources are effectively utilized to support their unique objectives.

At Verity, Kyle leads and manages a diverse portfolio of client relationships, delivering tailored wealth management solutions. He draws on his extensive background as a CPA, having spent seven years in public accounting, where he gained in-depth expertise in tax and accounting principles that inform his financial planning strategies.

Kyle has had the privilege of being mentored by some of the industry’s most respected advisors, whose influence continues to shape his client-first approach. He is dedicated to upholding a high standard of service and professionalism, ensuring that each client receives thoughtful, strategic guidance.

Kyle is actively involved in the financial planning community, serving on both the Personal Financial Planning and Investment Committees of the Pennsylvania Institute of Certified Public Accountants (PICPA). He is also a member of the American Institute of Certified Public Accountants (AICPA).

Outside of his professional work, Kyle enjoys spending time with his wife, Becky, and their four children Aiden, Eli, Hazel and Grace. He is an active member of West Shore Evangelical Free Church and volunteers as the Planned Giving Advisor for Bethesda Mission.

As a financial planner, Chris Yoder is dedicated to helping clients gain clarity on their financial picture and align their resources with their personal values. With a focus on delivering comprehensive financial planning, he works alongside clients to navigate the complexities of life’s transitions, ensuring that their financial strategies adapt to their evolving needs. Chris has had the privilege of serving as a trusted advisor to hundreds of individuals and families, and the opportunity to positively impact their financial lives is a driving force in his work.

With over a decade of experience in financial planning, tax strategy, and portfolio management, Chris brings a wealth of expertise to his role. He has been mentored by industry leaders who have shaped his technical knowledge as well as his ability to build strong, communicative relationships with clients. This unique blend of skills enables Chris to provide his clients with practical, actionable financial solutions.

Chris began his career at a prominent advisory firm in Lancaster, PA, where he spent ten years honing his expertise. He later served as an advisor for another local firm, managing the financial needs of over 250 households. In 2021, Chris co-founded Verity Wealth Advisors to continue his mission of offering high-quality, personalized financial advice to those who trust him as their advisor.

Outside of his professional work, Chris is deeply committed to his family. He resides in Lancaster, PA with his wife, Ali, and their four children, Benson, Hattie, Audrey and Tate. When not advising clients or spending time with his family, Chris enjoys working on his home, gardening, and being outdoors—activities inspired by his upbringing on a farm. He and his family are active members of Ephrata Community Church.

Ed Butowsky is the managing partner of Chapwood Investments, LLC, with over 29 years of experience in wealth management and investment advice. Ed is known for his no-nonsense approach, advising high-profile athletes, celebrities, and private clients on everything from financial planning to investment strategies.

Before founding Chapwood Investments in 2005, Ed was a top producer at Morgan Stanley, where he managed over $1 billion in assets. He is the creator of the Chapwood Index and the CHIP score, tools that offer deeper insights into cost-of-living and portfolio performance.

A frequent speaker and media contributor, Ed lives in Plano, Texas, with his wife and two children, and is an avid tennis and golf enthusiast. 

Jeff Wrabel has been in the Financial Services industry for over 30 years. He began his career in 1991 as a Banking Analyst with Dauphin Deposit Bank & Trust in Harrisburg, Pennsylvania. Jeff eventually joined Hopper Soliday & Company, a broker/dealer owned by Dauphin Deposit. In 1998, Jeff joined a non-bank Trust company where he served as an Investment Manager and Business Development Officer, managing close to $40 million in family assets. In 2001, he accepted a position at Wachovia Securities as an Estate Planning Assistant working with high net worth clientele, their attorneys and accountants, in implementing advanced estate and tax planning concepts, involving both insurance and investment products. Jeff later joined R.E. Harper & Associates where he began an independent career as an insurance and investment specialist, concentrating on family business and estate planning, retirement income planning, and general investment management.

Jeff holds a BA in Business Administration from McDaniel College in Westminster, Maryland with a focus on Finance and Economics. He holds his Series 6, 63 and 65 licenses. Jeff lives in Harrisburg, Pennsylvania with his wife Lori and their three children, Connor, Max and Elise.

Dania brings over 20 years of experience assisting clients in accumulating and protecting wealth. Over the course of her career, Dania has worked with several national and regional investment firms and has gained a broad understanding of successful financial planning. This diverse background and experience provides Dania with a thorough understanding of the capital markets along with a unique perspective on wealth management. Dania is a New Orleans native and has lived in Baton Rouge since 2001 with her husband, Jeff, and daughter, Savannah. Dania is actively involved with The Chapel in the Oaks church, The Dunham School, and Kids Hope USA, a mentoring program with Wildwood School.

Alan began his career in the financial industry over 25 years ago. After graduating from Temple University with a degree in accounting, finance, and real estate, he focused on family business succession planning for privately held companies.

Early in his career, Alan worked in accounting for middle market businesses. He then spent 13 years at Mid-Atlantic Companies, where he developed and implemented strategic plans for business transition, wealth management, and estate planning. Alan has facilitated over 50 seminars on these topics.

Alan later worked at Mesirow Financial in Chicago, where he led the Business Transition division and coordinated the firm's planning services. He then joined Merrill Lynch in Philadelphia to combine investment management with comprehensive planning.

Now, as a leading member of Ethos Financial Group, Alan brings this extensive experience to provide a full range of wealth management services.

Alan maintains Series 63 and 65 FINRA registrations. He is involved with several professional organizations and enjoys auto restoration, racing, cycling, and spending time with his family.

Raymond Micaletti, Ph.D., is the Chief Investment Officer (CIO) of early-stage startup Allio Finance, a business-to-consumer micro-investing robo-adviser. In this role, Ray oversees the firm's investment activities, risk management, and tax-optimization capabilities. He is also CIO of Relative Sentiment Technologies, LLC, a firm that focuses on the research and development of relative-sentiment-based tactical asset allocation strategies.

Prior to Allio, Ray spent the better part of his career developing and managing systematic investment strategies across a variety of categories including quantitative long/short equity, medium-frequency global macro, and tactical asset allocation, at places such as Fortress Investment Group, Barclays Capital, and Columbus Macro. He holds a Ph.D. from Princeton University in Engineering Mechanics and B.S. in Civil Engineering from the University of Notre Dame.

Joyce Chobert joined Ethos Financial Group in July 2024. In her role she will be a leader in organization, client service, and financial administration. Joyce graduated with a Bachelor’s Degree in Marketing and Finance from The University of Scranton. Joyce spends her free time with her husband, Eric, and their dog, Hattie. She finds joy in culinary creations, a variety of craft projects and the Phillies. Joyce and Eric have established their home in Wayne, PA.

Kaeleigh is an Advisor Operations Associate at Ethos. In this role, she contributes to daily operations and client success by streamlining administrative processes, managing client onboarding, and coordinating account maintenance. Before joining Ethos Financial Group, Kaeleigh honed her skills in managing operations, sales, and customer success at a startup fiber optic company in northeast Pennsylvania. The company experienced continued growth and success, solidifying her expertise in driving business performance and client satisfaction. Her unique perspective and understanding of operational dynamics enable her to boost productivity.

Michael Dunlap joins Ethos Financial Group as the new Senior Wealth Management Associate.
Mike, a 2018 graduate of The Pennsylvania State University, holds a degree in
Economics with a minor in Business. During his time at Penn State, he was a
starting pitcher for the Division 1 Club baseball team.

Prior to joining Ethos Financial Group, Mike gained valuable experience at Merrill
Lynch as a Wealth Management Client Associate. He currently holds his PA Life,
Accident and Health license, as well as the SIE.

Mike and his wife, Allyson, currently reside in West Conshohocken, PA. Outside of
work, Mike is passionate about playing golf, enjoying the beach, staying fit,
cheering on the Philadelphia Eagles, and spending quality time with family and
friends.

Bridget is a Senior Client Service Associate at Ethos. She is dedicated to building strong client relationships and supporting the firm’s mission of delivering exceptional service and thoughtful financial guidance.

Bridget attended Saint Joseph’s University, where she earned her degree in Finance while competing on the women’s soccer team. 

Outside of work, she loves spending summer weekends in Ocean City, New Jersey, exploring new restaurants in the city, playing on recreational soccer teams, and spending time with her family—especially her nieces and nephews. 

Dan is a CFP® based in Phoenixville, PA with a strong background in both financial planning strategy and technology. His experience includes working at eMoney Advisor as well as supporting advisory teams directly, giving him a unique perspective on how to design and deliver comprehensive, holistic financial plans.

Dan specializes in complex cases involving estate planning, tax optimization, and retirement strategy. . Outside of work, he enjoys getting a good workout in, watching Philly sports, and playing chess. 

James specializes in cash flow and financial planning strategies. With a background in engineering for astronomy research, optics, and satellite electronics, James enjoys undertaking complex challenges to provide straightforward solutions. He designs strategies to increase financial efficiency through thorough analysis and strategic planning with trusts and investments. Bachelor’s degree from the University of Arizona.

Mike created Swarthmore Investment, LLC in 2004 with the objective of investing intelligently one client at a time. At the end of 2016, Mike changed the name of his firm to Michael Malone Investment Advisory to more fully reflect that the buck stops with him. Mike has over thirty-seven years of investment experience and serves as the Principal and Chief Investment Officer of Michael Malone Investment Advisory. His primary dedication is to his unique client portfolios: their strategy, development, implementation, and oversight.

Prior to establishing Swarthmore, Mike held senior positions in a number of global financial institutions including Merrill Lynch, Janney Montgomery Scott, and Wells Fargo Advisors. During his first year in the industry, Mike realized that using investment ideas espoused by large Wall Street firms led to disappointment for his clients. In 1976 Mike discovered the investment ideas and strategies of Benjamin Graham, Warren Buffet’s professor at Columbia, and became a believer in intelligent investing. Because Mike believes there is integrity and success in this strategy, he continues to still use it today. Through his experience and developed investment technique, Mike strives to assist his clients in navigating market downturns, such as those experienced in 2000-2002 and 2008-2009. Mike recognizes his clients’ desire not to be dragged down in bad markets, so he seeks to “control risks first and pounce on opportunities when they become available.” While most advisors pray for steadily rising markets with which they are comfortable, Mike says “bring it on” to the turbulent markets we have now.

Mike is a 1973 graduate of the University of Delaware, attaining a bachelor’s degree in political science with a concentration in the philosophy of social sciences. He also attended St. Charles Seminary High School in Catonsville, Maryland. Mike and his wife, Anne, have three daughters and five grandchildren. He has an interest in the study and enjoyment of golf course architecture.

Tony has been assisting affluent families, young professionals and business owners create and manage their wealth to help them make smart decisions about their money. Tony has over 30 years of experience in the financial services industry, having contributed to other independent practices before launching Ascendant 360. Tony is a bi-lingual planner fluent in Spanish.

John is a senior advisor with Ethos Financial Group, as well as part of the family office and institutional coverage team. He provides goals-based wealth management to affluent families, accomplished professionals, and successful business owners. John works closely with clients to develop long-term, strategic financial strategies that integrate investment, insurance, and estate planning services. Prior to Ethos, he spent six years as a Financial Planner at Barnum Financial Group and three years at Merrill Lynch as a wealth management executive. John has extensive experience educating employees of Fortune 500 companies on benefit and stock option tax optimization. He attended Johnson & Wales University, obtaining a Bachelor of Science degree in Financial Services Management.

Jake provides families and business owners with individualized wealth creation strategies. His main objective is to help clients reach their financial goals through catering to each unique situation.

After graduating from Frostburg State University with an undergraduate degree in business administration, Jake entered the financial services field in 2012. He furthered his education by receiving a Master of Business Administration in 2014. Prior to joining Ethos' trusted team of Advisors, Mr. Stull has spent 3 years in the mortgage industry and 6 years in federal law enforcement.

Jake lives in Hanover, Maryland with his wife, Leah and daughters, Maya & Zoey. Jake is actively involved with youth sports organizations in the Howard County area.

Quentin is a J.D., C.P.A. and a Managing Member at Tritium who specializes in business succession and wealth planning. He is formerly a National Director of the estate planning practice of Coopers & Lybrand in Philadelphia and also has extensive experience in the investment banking field where he has structured financial transactions and developed business succession strategies for middle market companies. Quentin is a graduate of the University of Notre Dame and Villanova University School of Law. He is a frequent speaker at national and regional forums and has authored numerous articles and books.

Kim Sams is the creator of the Chapwood Portfolio Investment Score, along with partner Ed Butowsky. With over 10 years of experience in the financial services industry, she is a managing partner for Chapwood Capital Investment Management, sales and marketing, where her focus is to deliver highly customized asset management services to high-net-worth investors to develop superior quality, comprehensive, long-term investment solutions to meet their individual goals.

Kim Sams was previously a managing director with Bear Stearns in the private client services division, where her focus was on developing relationships and delivering asset management services to high net-worth investors. Prior to Bear Stearns, where she specialized in managing a quantitative-based portfolio, she was an Associate Vice President with Morgan Stanley. She is a graduate of University of Minnesota where she earned a BBA in finance and communications.

Clark Gaines joined Ethos Financial Group in 2025 as a Registered Investment Advisor. Prior to that, Clark started and sold several businesses in media and publishing. His experience as an entrepreneur enables him to more effectively understand and manage risk for his business owner clients. In addition to providing asset management for ultra-high-net-worth families, Clark also focuses on several insurance strategies such as Captive Insurance and Private Placement Life Insurance (PPLI).