Our Team
Small World Wealth Management was founded by Wealth Management Advisor Joseph Small in 1992 fresh out of college. Since that time he has grown from a single representative team to over 30 team members spanning from Florida to Milwaukee to New York with advisors focused on integrated financial planning. Our team has the expertise to address nearly all of a client’s financial planning needs. The binding force behind the team is the true dedication to personal client care with an easy-to-understand approach and is guided by Joe’s life purpose, “to care for and protect loved ones now and for generations to come."
Leadership Team

Joe Small is truly living his life purpose to “care for and protect loved ones now and for generations to come.” His work, family, and life are all guided by this principal as he is building one of the most dynamic financial planning practices at Northwestern Mutual.
Small World Wealth Management continues to grow under Joe’s guidance and vision and is now recognized as an elite team. He guides and advises clients to a path for overall financial health and prosperity. As his life purpose says, “for generations to come”.
He holds the FINRA series 7, 6, 63, 65, and 26, and is licensed in various states. Joseph Small is also a member of the Million Dollar Round Table, the Premier Association of Financial Professionals, a National Quality Awardee, National Sales Achievement Awardee, recognized as a Forum Leader and more.
In Joe’s personal life, he likes to spend just as much energy and vigor as in his business endeavors, whether he is tracking his “race” car, shooting sporting clay or working around the house on home improvement projects. He also has a zest for traveling the world and discovering far-away places such as Greece, Portugal, Italy, Africa, Thailand, Fiji and many others.
He and his family are strong community supporters and have significantly contributed to or volunteered with numerous organizations.
Joe resides in Cape Coral, FL and travels back and forth to NY regularly. He lives with his wife and business partner, Tricia, and some of their children (8 in total with some all grown) and a cute kitty named Chloe.

Tricia O'Malley MPA
Partner and Chief Operating Officer
As Chief Operating Officer, Tricia is responsible for the implementation & integration of the business activities. She works closely with Founder & CEO who is leading the growth efforts & strategic planning. In addition, she works in partnership with the Leadership Team to provide overall administrative guidance. She also directs branding and external affairs. Her primary focus is to build capacity for growth both within the team and by identifying and capturing opportunities to expand.
Tricia has spent most of her three-decade long career in nonprofit healthcare management holding such positions as Foundation Executive Director and Chief Advancement Officer, most often at complex healthcare systems and hospitals. She has a master’s degree in Public Administration from Marist College and an Advanced Degree in Healthcare Leadership from Yale University. She brings her vast philanthropic experience and applies it to the financial services industry.
She has also graduated from several leadership programs: Leadership Orange '96, Pattern for Progress Fellowship '11 & Naugatuck Valley Leadership '15. She is a long-term facilitator at Leadership Dutchess and has spoken at various leadership and professional conferences including National Philanthropy Day hosted by the Association of Fundraising Professionals. She has operated as consultant to various non-profits in the Hudson Valley specializing in board development, sustainability, strategic planning & CEO coaching.
As the mom to five biological kids, three bonus kids & a cat she is adept at managing multiple priorities. In her free time, she enjoys yoga, fitness, boating, hiking, travel, chocolate and wine (although not in that order).

Kristine graduated from Marist College in Poughkeepsie, NY with a Bachelor of Science in Finance. She has been with Northwestern Mutual for nearly 20 years (most of them working closely with Joe Small and Small World Wealth Management) and holds her Life, Accident, and Health insurance license for the state of New York.
Kristine lives in Dutchess County with her husband and daughter. She enjoys traveling and spending time with her family.

Stephen holds dual Bachelor’s Degrees in both Business and Accounting. Prior to joining Northwestern Mutual in 2015, he was a professional trader on Wall Street for 17 years. Stephen holds a FINRA Series 7 and Series 63 licensing. As the Head of Investment Services for Small World Wealth Management, he is extremely knowledgeable and passionate about the stock market, market trends, and investment research.
Stephen resides in Middletown, NY with his wife and their puppy, Birdie Mae. In his free time, he enjoys spending time with his 3 grown sons, outdoor excursions with family & friends; most notably fishing and hiking. Steve is also an avid football fan.

Ron joined Small World Wealth Management in March 2023. He is a graduate of the State University of New York College at Plattsburgh with a Bachelor of Science degree in Accounting. Ron is also licensed as a Certified Public Accountant.
Prior to joining Small World Wealth Management, Ron worked in public accounting, served as controller of a construction company, and served as a regulatory analyst in the utility industry. He brings a wide range of experience to the Small World team.
Ron is an active member of the community. He served on the board of Mid-Hudson Association for Persons with Disabilities for over 10 years. He also has been a member of the national board of directors of FRAXA Research Foundation for nearly 20 years. FRAXA is dedicated to funding research to ultimately cure Fragile X Syndrome, a genetic disorder that impacts his son. In addition, Ron has coached both baseball and basketball for the LaGrange Challengers, a special needs sports program for individuals with developmental disabilities.
Outside of work, Ron enjoys spending time with his wife Amy and son Niklas, whether traveling together or spending time at home. Ron is also an avid golfer.
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Christopher M Ball CLU®, ChFC®
Wealth Management Advisor
Chris has been with Northwestern Mutual since 1993 and joined Small World Wealth Management in April of 2020 as a Wealth Management Advisor. Chris graduated from Saint Joseph's University in Philadelphia with a degree in Management/Marketing in 1981. He worked in the computer industry for a number of years before joining Northwestern Mutual. His designations through the American College include Chartered Financial Consultant (ChFC®) and Charted Life Underwriter (CLU®). He Holds FINRA Series 7, 6, 63, and 66 and has always enjoyed the financial planning process with his clients.
Chris currently resides in West Chester, PA with his wife Naomi and eight dogs. In his spare time Chris enjoys traveling, jujitsu, playing his bass guitar, shooting and spending time with his two children, three stepchildren, and 6 grandchildren.

Marc Gravatt has been challenging clients to plan for their financial security for over 26 years. Early in his career he established himself as a leader in both his firm and the industry by cultivating relationships based upon integrity, knowledge and commitment and qualifying for the MDRT (Million Dollar Round Table) and NQA (National Quality Award). Marc holds a series 6, 63, 65 and 7 as well at the American College, Chartered Financial Consultant ChFC® designation which have been part of the continued study in the field of financial planning. Throughout his career, he has rested on the strong support of his spouse Tenney. Marc and Tenney have two daughters Abigail and Josephine, who have grown to exemplify the qualities of their parents: hard work, passion and integrity.

Jeff Vitelkites has been serving his financial planning clients for nearly 20 years. His background includes working for most of the BIG 4 accounting firms as a consultant and left Deloitte back in 2004 to join Northwestern Mutual. Jeff has qualified many times over for MDRT ( Million Dollar Round Table ) and NQA ( Natl Quality Award ). Jeff is a two-time qualifier for Lives Leader Summit which serves as an industry standard in impacting hundreds of clients on the risk-side of planning. Jeff holds a series 6, 63 & 65 along with his RICP® designation ( Retirement Income Certified Professional ).
Jeff grew up in South Jersey just outside of Philadelphia for most of his early years and then moved to Baltimore, Maryland back in 1999 where he met his wife, Jenn. They both are raising two teenage boys and are active in scouting, baseball & ice hockey. They pride themselves in providing ‘experiences’ for their two boys versus ‘stuff’ and travel extensively 4-5 times per year.
Jeff has supported charitable organizations such as Wounded Warrior Project, Alex’s Lemonade Stand and causes around Pancreatic Cancer Research. Jeff and Jenn also donate to their son’s K-12 local private school initiatives.

Glenn Black is living out his vision statement “as iron sharpens iron, one person will sharpen another.” He has continually taught and raised up leaders within Northwestern Mutual by successfully running the S.W. Florida District Agency as Managing Director for 26 years which he retired in December 2022, and he continues to serve his clients since joining in 1986. His work, family, and life are all driven by this vision.
His approach is to understand individuals, families and business relationship needs and provide holistic, broad based planning and strategy customized for each client. Serving one client, one family and one business at a time!
He holds FINRA Licenses, SIE, 6,7,63, 65 and 26, and is licensed in various states. Glenn has been recognized and recipient of several awards in his extensive career with Northwestern Mutual as a Managing Director and Financial Advisor.
Glenn believes in giving back to his community and has significantly contributed to or volunteered with several organizations including New Life Dream Center, Moffitt Cancer Center, Dress for Success, Boys Scotts of America, Girl Scotts of America, Family Initiative, Inc., Coastal Conservation Association, Evangelical Christian School, and various local Chamber’s in his area.
Glenn was born and resides in Fort Myers, Fla along with His wife Angela, they have four children, five grandchildren, two Mini Austrian Shepard’s. In Glenn’s personal life, he enjoys playing golf, boating, fishing, travel and having quality time with his family.
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Mike Guzman
Associate Wealth Management Advisor
After growing up in Houston, TX, Mike went on to earn a Bachelor’s Degree in Systems Engineering from the United States Military Academy at West Point. During his time at West Point, he diligently managed the academic, physical, and military obligations required, combined with participating in four years of Division 1 NCAA Football. Mike proudly served our country in the US Army as a Junior Officer in multiple capacities and had the honor of developing a leadership philosophy amongst some of the nation’s best and brightest leaders. Following his service, Mike worked in the sales and sales management departments of the spinal medical device market.
Mike joined Northwestern Mutual in 2020 and is currently a Financial Advisor for Small World Wealth Management. He strongly believes that the years of critical situation training and management, practice of servant leadership, and the many trusting relationships he’s fostered in all walks of life brings immense value to clients and their loved ones.
Mike currently resides in Orange County, NY with his wife and twin sons. He enjoys spending time with family & friends, and of course, watching Army football.

Anthony studied Business Administration with a concentration in Finance and Management at UAlbany. Immediately after graduation, he started his first business adventure. What started as a small store in the local mall selling frozen yogurt became a multiple site yogurt franchise.
Several years later, he met Joe Small who was an advisor to several family members and his interest was piqued in financial planning. Since then, he has become series 7 and 63 registered. He joined Small World Wealth Management in 2019 as Associate Wealth Management Advisor. He is technologically astute and stays on point with the newest advances in how to use technology to better serve our clients.
His favorite time of the year is college football season. Many family members including his father went to Ohio State - go Buckeyes! He spends free time on his boat during the summer months up in Lake George, visiting restaurants in NYC, caring for his dog and tackling home improvement projects. He also enjoys travel and would love to go to Australia in the near future.

Josh is a graduate of Hamilton College in Clinton, NY with a Bachelor of Arts in Economics. He has been working with Joe Small & Northwestern Mutual since 2012. He is licensed in Life, Accident and Health Insurance for State of New York, as well as his FINRA Series 7 and 66 investment services. As an experienced advisor for the team, he brings incredible expertise, skill and knowledge. He is well known for his thorough and detailed analysis and understanding of complex investment strategy and works closely with his support Scott Mete.
When Josh is not working, he can be found spending time with his wife and daughter at their home in New Paltz, NY or on the links someplace in the Hudson Valley. He is an avid golfer and often brings his high school aged daughter for some healthy competition. Josh also enjoys maintaining his home, spending time with his family (including his parents who are close by) and travel.

Jack Waldron
Associate Wealth Management Advisor
Jack grew up in Saratoga Springs, NY and studied Business Administration at Skidmore College. Prior to joining Small World Wealth Management (SWWM), Jack had been working as an Associate Wealth Management Advisor with Northwestern Mutual based in Albany, NY where Jack was recognized as a Top 10 intern with the company. Jack’s family is comprised of small business owners so he especially enjoys working with local business owners. When he is not working with clients, Jack can be found enjoying the seasonal activities upstate NY has to offer (skiing, boating, golfing, hiking).
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James A. Dunn MBA, CFP®, CLU®, ChFC®, AEP®
Associate Wealth Management Advisor
My name is J.D. (aka James Dunn) and I’ve been in Financial Services for over 20yrs. Originally from Boston, MA, I now reside in Fairfield County, Connecticut with my wife of 12yrs and we are the proud parents of 3 children.
My professional mission is to “Help people maximize the quality of time doing what they love with who they love, on a inter-generational level. Although wealth is used as a tool, it’s always about the People and not their wealth.”
Some of my specialties include: Planning for Business Owners, Equity Compensation Plans, Retirement Income Planning, Special Needs Planning, Philanthropic/Charitable Planning, and helping clients understand various tax implications of financial decisions.
In my personal time I enjoy volunteering with my local church, traveling internationally with my family, and attending live stand-up comedy shows in Connecticut and NYC.

Susan M. Pineiro CRPC®, CDFA®
Associate Wealth Management Advisor
Susan is an Associate Wealth Management Advisor with Small World Wealth Management. Susan began her financial career in 1999. Susan holds FINRA Series 7 and 66 License as well as Life & Health Insurance license. Susan continued her education and has earned 2 designations: Chartered Retirement Planning Counselor (CRPC®) and a Certified Divorce Financial Analyst (CDFA®).
Susan is a very active member of the community having served as a board member for the Hospice Foundation of the Hudson Valley, Hudson Valley Volunteer Group for St. Jude Children’s Research Hospital and Hudson Valley Community Foundations and Grant Committee.
Her professional associations include the National Association for Professional Women (NAPW), Association for Divorce Financial Analyst, Association for Divorce Financial Planners, Institute for Divorce Financial Analyst and the Dutchess County Regional Chamber of Commerce.
In her leisure time she enjoys staying healthy through exercise, weekend hikes with her favorite furry friend Sophie, challenging herself on the exercise bike and eating healthy. She is an avid reader and loves to find the perfect antique. Most of all, Susan treasures the time spent with her two daughters, Isabella and Gabrielle, grandson Mason, granddaughter Carly extended family and friends.

Ryan Y Reeves
Associate Wealth Management Advisor
Ryan was born and raised in Orange County New York where he attended Mount Saint Mary College and studied Finance. Ryan has been with Northwestern Mutual for over a decade where he most recently worked as a Managing Director overseeing Advisors and Staff. As a seasoned Financial services professional, he currently holds his SIE, Series 7, Series 63, Series 26 and his Life Accident and Health Insurance license. Ryan now resides in Highland New York with his beautiful wife Jennifer and Daughter Angelina. When he is not working with Small World’s clients he can be found going on trips with his family, attending sports car racing events or spending a beautiful day on the golf course.

For over 17 years, John Scott has coached business owners, professionals, and families on how to protect their wealth, enhance their investments, and retire confidently. John takes a comprehensive approach to financial planning, wealth management, risk management, and estate planning. He believes the cornerstone of a successful client/advisor relationship is the mutual trust and respect that develops over time, so he is deeply committed to helping his clients realize their long-term financial goals.
With the insight and industry knowledge that come from over 17 years in the business, John employs the vast resources of the firm to bring the right expertise and tailored financial solutions to you and your family. He works diligently to exceed his clients’ expectations by providing exceptional customer service with the intention of being their trusted wealth advisor for life.
Originally from Raleigh, NC, John is a graduate of Woodberry Forest School as well as Vanderbilt University, where he earned his Bachelor of Arts in Economics and was a pitcher on the baseball team. John and his wife Prudence have been married over 11 years and have two children. In his free time, John enjoys spending time with his family, playing sports with his daughters, and having an otherwise enjoyable walk spoiled by golf.

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Don Badgley is a Financial Representative with Small World Wealth Management and is in his 36th year of practice. Don specializes in life, disability and long-term care planning, estate succession analysis and works primarily with business owners, professional people and the wealthy. In addition to insurance planning with clients, Don also teaches seminars around the U.S. for Northwestern Mutual and other companies.
Don is a life member of the Million Dollar Round Table (MDRT) and has received multiple industry awards for his skills and production.
He is married to Tracy Badgley, CPA and has two daughters, Marissa, 33 and Alanna, 29.
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Cindy has been with Northwestern Mutual for over 15 years, mainly in the position of support and service. She currently holds an active Life, Accident and Health License, FINRA Series 6 and 63, State of NY Notary Public and and is registered with Northwestern Mutual Investment Services, LLC. Cindy acts as a liaison between our clients and underwriters and manages client service requests while providing a high level of commitment, professionalism and excellence in service and support to Small World Wealth Management’s practice and clients.
In her free time Cindy enjoys time with family, the outdoors, and reading.

Gia has been with Northwestern Mutual since 2014, mainly in the position of support and service. She currently holds an active Life, Accident and Health License, FINRA Series 6 and 63, State of NY Notary Public and is a registered Associate Agent with Northwestern Mutual Investment Services, LLC. In her current role as Director of Investment Operations and Services, Gia works one on one with Wealth Management Advisor David Urban and joint Small World Wealth Management clients to provide exceptional customer service.
Her previous professional experience includes almost 20 years as a producer and artist representative in the commercial photography realm.
Today, Gia resides in northern NY. In her leisure time she enjoys traveling outside the country, especially to Europe. Her other interests include boating, vintage cars, modern art, and spending time with family & friends.

Jenn graduated from SUNY Orange in Middletown, NY with an Associates in Business Management. She has previously worked in the accounting industry in the Orange County, NY area. She has her Notary License for the state of New York.
She worked as an assistant for an individual Advisor prior to her transition to Small World Wealth Management. In her current role she provides support for a number of advisors.
Jenn currently resides in Middletown, NY and enjoys spending time with her family and camping.

Scott joined Northwestern Mutual in September of 2018 and brings over 26.5 years of experience in the Financial Services industry (5+ Years at Northwestern Mutual, 16 years at Merrill Lynch and 5 years at Wells Fargo Advisors). In these roles, he has always played an important supporting function for high performing Advisors. On our team, he primarily supports Josh Weinerman. He also brings over 10 years of experience in restaurant and hospitality management.
Scott resides in Fishkill, NY with his wife Amy. In his free time, he can be found on the tennis court, at the gym, playing pickle ball, or enjoying visiting family, hiking, and traveling to Saratoga Springs, NY.

Landon joined the team in July 2021 as a Workflow Manager. Prior to joining Small World Wealth Management, Landon worked as a Personal Trainer/Safety Supervisor for a nationwide grocery warehousing company.
Landon resides in Milton with his wife, Jessica, and their dog, Graham. He is very adamant on health and nutrition through lifestyle choices with fitness and diet. When not working, he can be found playing a round of golf, at the gym, playing with the dog, or anything to do with staying active.

Jacob A. Marandi
Client Relations Coordinator and Office Manager
Jacob joined Small World Wealth Management in July of 2021 and is the Poughkeepsie Office Manager and Client Relations Coordinator where he focuses on maintaining positive client relations and assisting in the operation of Small World’s financial practice.
Jacob is a Cum Laude graduate of SUNY New Paltz where he obtained a B.A. in Business Economics and became a member of Omicron Delta Epsilon, the International Honor Society for Economics. Prior to joining Small World Wealth Management and Northwestern Mutual, Jacob has worked in a variety of industries where he has accrued over 10 years of exceptional customer service experience and a strong technical background. He is licensed in Life, Accident, and Health Insurance for the State of New York and has his FINRA Series 6 & 63 registration.
Jacob resides in Pleasant Valley, NY and enjoys traveling and spending time with his family and friends. He also loves working on cars, riding ATVs, snowboarding and playing poker.

Nicholas grew up in New York and earned his bachelor’s degree in Business Economics from the University at Albany. He started his professional journey as a Sales Representative in the insurance industry and is currently licensed in Florida for Life and Health insurance.
He relocated from Lagrangeville, NY to Jacksonville, FL in the spring of 2022. In his free time, he enjoys playing soccer and golf, hanging out with his goldendoodle, Mudd, and traveling.

Kyle Brownell
Director of New Business and Communications
Kyle is a graduate of Saint Michael’s College in Colchester, Vermont with a bachelor’s in business administration and minor in marketing. After beginning his professional career in Boston in custodial banking, he and his wife relocated to sunny Southwest Florida. There, he joined a local third-party IRA administrator as the accounting supervisor prior to joining Northwestern Mutual. He comes to Small World Wealth Management as the Director of Special Projects with over 10 years’ experience in finance and financial planning. In his role his focus will be on the design, implementation, and ongoing maintenance of key processes across Small World to improve operational and relational workflow.
Since joining Northwestern mutual in 2018, Kyle has obtained his FINRA series 7, 6, and 63 licenses. He also holds his health and life insurance license for the state of Florida.
Originally from Rhode Island, Kyle and his wife Kaleigh reside in Fort Myers, FL with their son Nolan and chocolate lab Maya. They enjoy traveling back north to visit family though they certainly don’t miss having to shovel snow and when he is not in the office, Kyle can be found out on the golf course, at the gym, and spending time with his family.

Megan has been with Northwestern Mutual for 13 years and for the past six years she has worked directly with Advisor Marc Gravatt, servicing clients’ investment and insurance needs. Megan will continue bringing a high level of commitment and service to Small World Wealth Management’s practice and clients. She holds her Life, Accident, and Health insurance license for the state of New York as well as FINRA Series 7 and 63 registrations.
Megan resides in New Paltz, NY with her two children and two cats. She enjoys golf, skiing, and spending time at her family lake house in the Adirondack’s with extended family and friends.
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Justin Vernon Copeland
Investment Services Manager
Justin joined our team in 2017 as a Financial Representative and has grown his responsibilities to Director of Investment Operations. He has a bachelor’s degree in business economics and finance from SUNY Oneonta. Prior to joining Northwestern Mutual, Justin worked as an advisor for Mass Mutual. Justin holds FINRA Series 7 and Series 63 registrations. He also holds Life, Accident and Health Insurance licenses for the State of New York & Florida.
Justin and his wife Abigail reside in Fishkill, New York with their daughter Athena Grace and son Ronin. He spends most of his free time with his large extended family and playing soccer or golf. In addition to other fitness hobbies, he is an accomplished martial artist who teaches Bruce Lee’s philosophy of Jeet Kune Do. His consistent positive attitude and friendly demeanor make him a favorite among clients for any servicing questions they may have.

Chris is a graduate of Stony Brook University with a bachelor’s degree in Economics. He began his career with a boutique asset manager with a heritage of providing liquid alternatives dating back to 1968. This led him to work with a very well respected mid-sized investment bank, representing their retail commodity and natural resources division. Most recently in the years prior to joining Small World Wealth Management, Chris was an Advisor Consultant with one of the world’s largest asset management companies. In 2016 he became a Certified Alternative Investment Analyst charter-holder and his role expanded to “Subject Matter Expert” of Interval Funds, Energy Infrastructure, and Bank Loan solutions.
With over twenty years of capital markets experience and in addition to his CAIA® designation, Chris is currently pursuing additional designations. He holds FINRA Series 7 and Series 63 registrations. As the team’s Director of Portfolio Research and Advisory, Chris works with the portfolio management team focusing on portfolio analytics, Illiquid Private Investment product due diligence, research, and model implementation.
Chris resides in Butler, NJ with his wife Kristin and three young children Francesca, Lorenzo, and Gabriella. He enjoys spending time skiing, fishing, and shooting clays.

Prior to joining the Northwestern Mutual family in 2014, Michael was a software developer and information technology administrator for 14 years. Always an avid math student, Michael spent freshman year studying Accounting at Bryant University before he started building computers on his own. This led to a change in major to Computer Science and a transfer to Marist College. Michael has his FINRA Series 7 and 63 registrations, as well as his Life, Accident, and Health Insurance licenses for the state of New York. Michael is our Investment Operations Manager; he also firmly believes in risk-based planning due to his own life experiences.
Michael resides in Cornwall, NY with his wife Marsha and two sons, Albert and Thomas. He is a self-admitted tech geek and interested in anything outdoors whether it is camping, hiking, gardening, birding or photography. Michael is also a music enthusiast; it has been a shared joy from his parents and passed on to his sons… just don’t ask him to sing or play anything.

Connor is a Magna Cum Laude graduate from the University at Buffalo with a Bachelor’s degree in Finance. He joined Small World Wealth Management as the assistant to CEO for the firm, Joseph Small. Since Connor joined the team, he has moved from the assistant to the CEO on to the investment team as an Investment Operations Associate. Connor holds FINRA Series 7 and 63 registrations as well as his Life, Accident, and Health insurance License for the States of New York and Florida.
Connor resides in Newburgh, NY. In his free time, he enjoys traveling, spending time with friends and family, and watching sports; Connor is an avid Los Angeles Lakers, Buffalo Bills, and Buffalo Sabres fan. Connor is also passionate in helping others achieve their goals, no matter what they might be.

Robert is a graduate of the Golf Academy of America with a degree in Professional Golf management and Course Design. Prior to joining Northwestern Mutual he played professional golf on mini tours & the Korn Ferry Tour events. His career with Northwestern Mutual began in the home office serving in a variety of roles but focused on client relationships and trading functions in Brokerage and Advisory accounts. He earned Finra Series 6 and 63 licenses.
When not working he enjoys playing golf – for fun and competitively, spinning on the Peloton, finding new restaurants in Milwaukee, and recently started to enjoy the arts such as the ballet. Married to Chantal for 11 years they live in the home of 3 adored cats. Robert is based in Wisconsin.
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