mike@theterriogroup.com | 772-807-4628
Michael Terrio is the founder and President of The Terrio Group. Michael believes that communication and interaction with his clients on a regular basis is key to understanding their financial planning needs and assisting them in realizing their dreams and aspirations. The firm covers all areas of financial management, from investment and retirement planning to risk management, strategic income planning and estate conservation. Michael believes that at the nucleus of a successful retirement plan must be comprehensive, cohesive financial strategy. This strategy must be tailor-made to fit each individual's unique needs, thus enabling it to meet both short and long-term objectives. Each client is given watchful attention, monitoring their progress and making adjustments as necessary for changing economic climate. Michael has been the keynote speaker for several educational events. He also speaks nationally for the armed forces at Yellow Ribbon Events. His goal is to help soldiers that are being deployed or returning from service to make sound financial decisions. He is a Wall Street Journal contributor as well as a radio show host for his Absolute Money Management System. Michael enjoys spending time with his wife Kaycee and his sons Cash and Brady.
Debra has been with The Terrio Group since inception. She has quickly become a strong member of the team. Debra brings with her a vast experience of 30 years in the finance industry. As Operations Manager, Debra plays a key role in the day to day management of the business, with a focus on database maintenance and development, product development and resource management. Her strategic application of consumer data, in conjunction with advanced analytics, has helped create many actionable client growth strategies. She is always available to handle our client's needs. Debra and her family have made the Treasure Coast their home after moving down from Massachusetts. She is an avid New England Patriots fan.
Deborah is an experienced tax professional who moved here in 2010. She has thirty-three years of experience preparing tax returns for individuals and small businesses. She handles all of our clients tax needs from tax preparation to tax audits. She is also certified in Quick Books Pro Advisor. She lives in Stuart with her husband.
Andrea's most visible role is working as the Client Services Coordinator who first greets and welcomes clients and visitors coming to our Port Saint Lucie office. Andrea came to the Port Saint Lucie area five years ago from Broward County where she worked as a Marketing Coordinator for a notable home builder and as an Advertising Account Executive for a large advertising firm. She earned a B.A. in Communication Studies from Loyola Marymount University in Los Angeles, CA. Andrea has a 7 year old son and enjoys spending time with him playing sports and being outdoors. She joined The Terrio Group in 2011.
Handpicked to serve as chief financial officer for Gradient Financial Group, LLC, Nick Stovall CPA/PFSSM, MBA boasts an extensive background in accounting, finance and investments. With over 20 years of experience, he brings decades of private industry accounting, public accounting, business taxation, IRA taxation, technical taxation, tax law and tax policy knowledge to the organization. Nick also holds his series 27, 7 and 66 as well as his life and health license. With an in-depth knowledge of the financial services industry and solid understanding of the complex demands of diverse business settings, his experience provides an invaluable perspective on the intricate relationships between tax and business issues.
During his tenure in the private industry sector, Nick served as the chief financial officer for Glenn Corporation and E Energy Adams. He has also consulted in the public sector serving individuals and businesses in the areas of financial and tax planning. Nick was an instructor with National American University, teaching upper division accounting courses and remains a mentor for aspiring accountants in the Twin Cities area.
Nick earned the Masters of Business Administration in Accounting from the University of St. Thomas and a Bachelor of Science in Finance where he graduated with distinction. In addition, he attended Carlson School of Management at the University of Minnesota for the Masters of Business Taxation.
Nick remains active in the accounting industry and is a member of the American Institute of Certified Public Accountants (AICPA), Minnesota Society of Certified Public Accountants (MnCPA) and the Institute of Management Accountants (IMA). Nick is a member of Ed Slott’s Elite IRA Advisor Group.
In October 2008, Wayne Schmidt joined Gradient Investments, LLC and serves as Chief Investment Officer. With 26 years of investment experience, Wayne brings decades of institutional experience and in-depth knowledge of the private client market to Gradient Investments, and offers a global investment management perspective.
Wayne is an invaluable and direct resource for affiliated investment advisors and their clients. He provides vast wisdom, knowledge, experience and tools to help investment advisors grow their practice, while also growing clients' assets.
In a nationwide search that included acquisition considerations, AXA Investment Managers, a subsidiary of the European insurance giant AXA Group, handpicked Wayne to build their U.S investment grade fixed income capabilities and to lead a seasoned portfolio team located in St. Paul, Minnesota.
During his tenure at AXA Investment Managers, Wayne served as senior portfolio manager for the U.S. Investment Grade Fixed Income Team. As the lead portfolio manager, he managed $9.5 billion of fixed income assets with a variety of mandates ranging from aggregate, corporate and government bond portfolios.
Before joining AXA Investment Managers, Wayne dedicated over 20 years to Minnesota Life and its' $14 billion investment arm, Advantus Capital Management. As portfolio manager, he managed a variety of high-grade funds as part of Advantus's $1.8 billion Total Return Product for institutional and retail clients. He also served as the lead portfolio manager of the Advantus Bond Fund and the co-portfolio manager of the Advantus Spectrum Fund.
Wayne earned his Master of Business Administration in Finance from the University of Minnesota and a Bachelor of Science from Cornell University. He is a Chartered Financial Analyst® and a member of The Chartered Financial Analyst Institute and the Twin Cities Society of Security Analysts.
Over the years, Wayne has been quoted on the global economy in numerous nationally and internationally recognized investment publications such as Bloomberg, Pension & Investments, Reuters, The Los Angeles Times, Financial Week (2008 Neal Award Winner), Asia Times, InvestorVillage, Safehaven, SFO, Credit Investment News and RGE Monitor (Nouriel Roubini's Global EconoMonitorinvestment). He has also provided market insights on Bloomberg radio and television.
Wayne's love of Minnesota is Gradient Investments' great fortune, as he declined to relocate with AXA Investment Managers following their strategic decision to consolidate function into the high-yield operation in Greenwich, Connecticut.
542 NW University Blvd.
Port Saint Lucie, FL 34986
Phone: 772-807-4628
Email: mike@theterriogroup.com
Retirement Seminar
Estate Planning
Tax Strategies
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