BIOGRAPHIES FOR KEY PERSONNEL

Richard G. Bertsch is a member (owner) of Focus Wealth Advisors, LLC. Ric has been in the financial services industry since 1970 as banker, registered representative, insurance producer and  associate advisor.  He obtained his Certified Financial Planner (CFP(r)) designation in 1989.  Ric is also A Personal Financial Counselor (PFC) for the Department of Defense, instructor for the Junior Achievement's after school "Dollars and Sense" course and has been an instructor for the High Financial Planning Course.

Joseph F. Folis is an associate advisor of Focus Wealth Advisors, LLC. Joe has over twenty years experience in finance, including investment management, financial and tax planning. He completed his financial planning curriculum at The American College ( Bryn Mawr, PA) and was awarded the Chartered Financial Consultant (ChFC) designation in 1998. He is also a Registered Financial Consultant (RFC), awarded by the International Association of Registered Financial Consultants. Joe is a member in good standing with the  American College Alumni Association and The International Association of Registered Financial Consultants.