Peter Vlahakis
Founder & Principal
Investment Advisor Representative

Peter is a nationally cited retirement expert, having been cited on ABC,FOX, NBC, CBS and CNN.  

 

Peter has over three decades in accounting and financial services.  After earning his degree in Accounting from San Diego State University, Peter spent the next seven years in public accounting followed by five years as Controller and Chief Financial Officer of an engineering firm.  In 1986, he was a founding partner becoming CEO of a financial services firm that evolved into Applied Concepts Financial Services.  Peter designs and helps implement custom tailored retiirement, estate and business transition strategies for individual clients and business owners.  

 

Peter has desinged proprietary financial programs as well as a specialty product that was offered nationally by a major international insurer.

Veronica Osmonov CFP
Investment Advisor Representative

Veronica has over two decades of experience in the financial services industry.  She began her career in New York with Prudential Securities working her way up to First Vice President and Group Project Manager.  She was responsible for real-time trade processing, purchase, sales and money market operations as well as the effective allocation and coordination of resources, training, project planning and performance appraisals.   After leaving Prudential, Veronica relocated to California and started her own firm as an Investment Advisor and Business Development Consultant.  Her focus was helping individuals and small business reach their retirement and financial goals.

 

Veronica received her BS in Computer Science from City University of New York.  She also holds a Professional Certification in financial Risk Management from New York University and an Executive MBA from UCLA Anderson School of Management.  In 2009 she became a Certified Financial Planner (CFP).

Richard Stone
Director of Marketing

Rich has over 32 years of combined business and financial experience.  After receiving a Bachelor's degree from UC Berkeley, he taught school for three years before forming a company to service the financial needs of educators and business communities.  Rich relocated to Newport Beach where he continued specializing in the 403b and retirement planning marketplace.  In conjunction with retirement planning, Rich has developed and implemented very creative and successful marketing campains.


Steve Schultz
Employee Benefits Specialist

Steve has been designing and implementing employer and individual benefit programs for over 28 years.  He is a leading expert in the medical, dental and group benefit programs such as group disability and group life.  Steve is also an expert in the Medicare and Covered California programs. He designs the employee benefit packages for small to medium size business as well as servicing the needs of individual clients.