Meet The Experts

Frank Horath

Frank HorathFrank began his career in the financial services industry as an account executive with Merrill Lynch in 1994. He then worked as a Financial Advisor for Dean Witter/Morgan Stanley between 1997 and 2008. Frank made the move to independence affiliating with his current independent broker-dealer in early 2008. He is a registered rep and supervisor, IAR, and has multiple securities licenses. Frank thoroughly enjoys cultivating relationships with financial advisors. He began developing the Social Security canGROW Your Financial Practice Tool KitTM  near the end of 2010, with the objective of helping financial advisors guide their clients make smarter Social Security income election decisions. (read more…)

Martha Shedden

Martha SheddenMartha has a passion for working with advisors on how to help their female clients make a wiser Social Security income election.   She  is an associate and National Social Security Advisor (NSSA) with ClientFirst Financial.  As she learned about the little-known Social Security claiming strategies and the financial consequences of an incorrect election, she quickly realized how critical this information was for pre- and early retirees, and especially for women. Martha has led numerous webinars for financial advisors, as well as individual coaching sessions for advisors wishing to incorporate Social Security income planning into their practice. (read more…)