Advisor Affiliates

Virg Cristobal, CFP®

Phone

415.229.3379

Email Address

Virg.Cristobal@LFG.com

I specialize in working with successful business owners, individuals, and their families who have worked hard to build a lifestyle they can be proud of, and are looking at ways to protect and maintain that lifestyle as they get older. Most of my clients had other advisors who had helped get them to a certain level in their planning. My clients seek me for creative strategies and solutions to solve their most complex planning problems.

I was born and raised in San Francisco. I graduated from St. Ignatius College Preparatory and from the University of California, Berkeley with a Bachelor of Science degree in Electrical Engineering and Computer Science. I am active in the Association for Corporate Growth (ACG) (an organization focused on the growth of small businesses) and affiliated with the San Francisco Estate Planning Council and the Family Firm Institute (an organization focused on family-owned businesses). In 2012, I was named a Finalist for The M&A Advisor’s “40 Under 40 M&A Advisor Recognition Award – West Region.” I have also been cited by the Dow Jones news organization. I am also actively involved in various community activities including the St. Ignatius Alumni Association and the California Alumni Association. In my spare time, I enjoy traveling, sports, and spending time with family and friends.

I come from a close-knit family and value the importance of family relationships within my practice. My devotion to friends and family extends to my clientele.

 

  • Comprehensive Financial Planning Designing and developing creative strategies suitable to your goals and needs, while implementing sound investment and insurance solutions
  • Business Succession Planning Providing business owners with guidance to best coordinate resources in times of growth and to protect assets in transitional periods (e.g., death, disability, buyout, transition)

  • Estate & Legacy Planning Developing creative solutions to preserve your wealth through the use of gift and estate tax savings, charitable giving, and other wealth transfer strategies in collaboration with various professional resources (e.g. estate attorney)

  • Retirement Income & Distribution Planning Guiding you through the complexities of retirement and creating effective strategies to preserve and distribute your retirement assets

 

Edward Rusnak, MBA

Financial Planner

Phone

925.659.0372

Email Address

Edward.Rusnak@LFG.com

Ed joined Lincoln Financial Services in 2005 to assist business owners and families make better decisions in the areas of wealth management, retirement income planning, risk management and estate planning. He works with his clients to create comprehensive financial plans and provide solutions that meet their unique needs and objectives. "We are driven and fully committed to serving our clients and building long term relationships."

Ed has built his practice on the principles of integrity, trust and understanding. He holds an MBA in Finance from Rochester Institute of Technology, FINRA Series 7 and 66 registrations, and California Insurance License. He is also a member of National Association of Insurance and Financial Advisors (NAIFA), Career Club Qualifier and Vice-President Seminar Qualifier.

 

Daniel A. Prisciotta, CFP®, CPA*, PFS, ChFC

Managing Partner Of Equity Strategies Group

Phone

201.556.4502

Email Address

dan.prisciotta@lfg.com

www.equitystrategiesgroup.com

Dan Prisciotta is committed to understanding your situation and customizing comprehensive financial strategies to help achieve your goals. Whether you are retired from a successful career, an owner of a business, or the bread winner of your family, Dan and his team can help you translate your goals into action steps. Dan is a motivating catalyst to take the words from your strategic plan and put them into immediate action. Dan brings 25 years of experience to his clients. For many of the 25 years, Dan also coached and developed other financial advisors to help build successful practices. This provides Dan the depth and breadth of financial planning strategies that will optimize the various objectives his clients desire to reach. His experience on over a thousand cases provides his clients the benefit of knowing that their plan will run through multiple design alternatives before the appropriate options are presented to his valued clients.

Dan is an active member of the financial planning and investment banking community and keeps abreast of changes and innovations in the industry. He is regarded as a national specialist in the areas of business exit planning and estate planning. He hold the designations, certifications and affiliations listed below: CERTIFIED FINANCIAL PLANNER™ (CFP®) Certified Public Accountant (CPA*) Personal Financial Specialist designation (PFS) Chartered Financial Consultant (ChFC) Member of the American Institute of CPA’s Member of NJ Society of CPA’s Member of The Alliance of Mergers & Acquisitions Advisors Member of the Alliance of Corporate Wealth Member of the Society of Financial Service Professionals (SCSP) Member of the Financial Planning Association Registered Securities Principal and Representative Member of Sagemark Consulting’s Private Wealth Services and Resource Groups Certified Continuing Education Instructor Dan has been interviewed on television by CNN Business News and has also been featured on station WFAS Financial Radio and in the Record and Journal News Business columns.

He is a Magna Cum Laude graduate of Fairleigh Dickinson University with a B.S. degree in Accounting. Dan resides in Ramsey, NJ with his wife, Teresa and their two children, Michelle and Danny.

 

Donna L. Rowan, J.D.*, LL.M., CLU

National Design/Advanced Planning Attorney

Mrs. Rowan is a resource for our group

Donna is an Assistant Vice President of National Design. Prior to joining CIGNA/Lincoln in 1991, Donna was a tax consultant for Arthur Andersen & Co. in Hartford where she worked in the areas of personal and corporate income taxation as well as estate, gift and trust taxation. Donna received a BA degree in English from State University of New York at Buffalo and a J.D.from Western New England College School of Law. Additionally, in 1994 she received her LL.M (Taxation) from Boston University School of Law. Donna is a member of the Connecticut and American Bar Associations. Donna has also obtained her CLU designation.

*Licensed, not practicing.

 

Robert E. Appel, J.D., LL.M, M.B.A.

Second Vice-President of National Design/Advanced Planning

Mr. Appel is a resource for our group

Bob is Second Vice President of National Design/Advanced Planning. Bob joined Lincoln National Life Insurance Company in January 1998, as a result of the Connecticut General Life Insurance Company acquisition. Prior to joining Connecticut General Life Insurance Company in 1986, Bob worked in the accounting firm of Touche Ross & Co. (Stamford, CT.) as a Senior Tax Consultant and the Lexington Insurance Company, AIG (Boston, MA) where he was Assistant Manager of Financial Services. He also has a limited private practice of law and continues to be a consultant to other attorneys and law firms.

Bob has been an instructor of continuing education for Connecticut real estate agents and brokers since 1984. He is a member of the American and Connecticut Bar Associations. Bob received his BS degree (Accounting and Finance) from Central Connecticut State University, JD degree from the University of Bridgeport School of Law, MBA (Finance) degree from the University of Connecticut, and LL.M. (Taxation) degree from Boston University School of Law.

 

Nasser Ali, CFA, CFP®, AAMS®, CMFC®, CRPC®

Director of Financial Advisory Services

Mr. Ali is a resource for our group

Nasser Ali, CFA, CFP®, AAMS, CMFC is the Director of Financial Advisory Services for the Eastern Region of Lincoln Financial Advisors. Nasser was previously the Director of Investments for the Baltimore/Philadelphia region. He is a member of Lincoln's Investment Policy Committee and Manager Selection Committee.

Prior to his employment with Lincoln Financial Advisors, Nasser worked for Legg Mason where he was a Portfolio Manager responsible for managing customized investment portfolios totaling close to $400 million. He also held various investment positions with the subsidiaries of Acacia Mutual Life Insurance, including an analyst position with Acacia's subsidiary, Calvert Funds.

Nasser earned his Bachelor of Science degree in Finance from the University of Maryland. Nasser earned the CFA (Chartered Financial Analyst) designation in 2000 and CERTIFIED FINANCIAL PLANNER™ certification in 2004. He also earned his AAMS (Accredited Asset Management Specialist) and CMFC (Chartered Mutual Fund Consultant) certifications in 1998 and 1996, respectively. He is a member of the Association of Investment Management and Research and the Baltimore Security Analysts Society. Additionally, Nasser has published an article in the Encyclopedia of World Terrorism entitled "The Impact of 9/11 on the Global Economy."

 

Dean E. "Chip" Chatlain, JD

Lincoln Financial Distributors

Mr. Chatlain is a resource for our group

Chip Chatlain, JD, Director of Technical Concepts, LFD, has 35 years of experience as a tax attorney, with 28 years in the life insurance industry. Chip has a solid background in individual and corporate taxation and an understanding of the tax advantages of Lincoln’s annuity, life insurance, disability and retirement products.

 

Thomas F. Commito, J.D., LL.M., CLU, ChFC

Advanced Sales

Email Address

Tom.Commito@lfd.com

Mr. Commito is a resource for our group

Thomas F. Commito has 28 years experience in advanced sales, life insurance products and life insurance marketing and is a Senior Tax Advisor in Lincoln Financial Distributors' advanced sales channel. He has managed traditional product line at National Life of Vermont.

Thomas F. Commito, J.D., LL.M., CLU, ChFC Lincoln Financial Distributors Thomas F. Commito has 28 years experience in advanced sales, life insurance products and life insurance marketing and is a Senior Tax Advisor in Lincoln Financial Distributors' advanced sales channel. He has managed traditional product line at National Life of Vermont. Mr. Commito is a graduate of Cornell University (BA), Boston College Law School (J.D., cum laude) and Boston University Law School (LL.M. – Taxation). He has his

FIRA Series 7 and is Series 24 licensed and is currently admitted to practice law in Vermont and Massachusetts.

Since 2001 (including 2006), Mr. Commito has written annually the "Life Insurance Section" for NYU Review of Employee Benefits and Executive Compensation published by Lexis / Nexis – Matthew Bender. He has authored two books including: Working with FLPs and LLCs: A Practitioners Guide, (2nd Edition) and Comprehensive Buy-Sell Agreements, both published by the National Underwriter Company. Articles include over 100 publications in journals such as: Journal of American Society of Financial Society Professionals; Life Insurance Selling; Brokers World; Senior Golfer; Climber; Estate Planners Quarterly; Trusts & Estates; Estate Planning; and Anthology: 100 Years of Alpinism in the United States. Mr. Commito has written a column – Accounting and Taxation in Journal of Financial Service Professionals, served as an assistant editor for the American Alpine Journal (premier journal of mountaineering in the world), and served as an associate editor for the Journal of Financial Service Professionals.

He has been a speaker at the following: Platform Speaker at the 2006 International Forum, three MDRTs, five Forums of Society of FSP, two International Meetings of CFP, Top of the Table, 2002 International Forum, three ALLU Meetings, 20 LIMRA Advanced Sale Forums (with Steve Leimberg), and two National Estate Planning Council Meetings.

 

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