David E. Scott, CFP®

Background

  • Professional Accountant working in public and private accounting from 1988 to 2005
  • Financial Advisor 2005 to present

Memberships & Community Activities

  • Elected to Sault Area School Board 2009 - 2014
  • Rotarian 2003 - 2014 (President 2010-2011)
  • Winner of the F.M. Bud Mansfield Business of the Year Award – (Awarded by the Sault Area Chamber of Commerce, 2011) *This award was based on business leadership and service to the community.

Education, Certifications, and Securities Registrations

  • BA Accounting, University of Alaska Anchorage May 1988
  • CERTIFIED FINANCIAL PLANNER (CFP®)
  • Accredited Asset Management Specialist Certification (AAMS)
  • Registered Principal With LPL Financial
  • Series 24, Series 7, Series 63, Series 66 Registered (Registrations held with LPL Financial)

Personal

I grew up in Anchorage, Alaska, and my wife Cindy (Flynn) and I have been together since 1983. We have lived in Sault Ste. Marie, Michigan since 1989 and have two sons, Samuel and Joshua.

Words to Live By

"Today well lived, makes every yesterday a dream of happiness and every tomorrow a vision of hope." - Kalidasa, Hindu poet and playwright

Scott Ciullo, AIFA , CFS, Business Retirement Plan Specialist

Background

Scott began his career in the financial services industry in 1984. He has the ability to act as both a 3(21) (limited scope) and a 3(38) (full scope) fiduciary through LPL Financial. A fiduciary duty is a legal obligation to always act in the best interest of the client. This means that they must put the interest of their client ahead of their own by providing investment advice that best serves the client. Currently, in our industry, not all brokers or financial advisors have this legal obligation to their clients which is why we always encourage prospective clients to ask financial representatives if they have a fiduciary duty.

Education, Certifications, and Securities Registrations

  • Accredited Investment Fiduciary Analyst®
  • Certified Fund Specialist (CFS)
  • Series 7, Series 63, Series 65 Registered (Registrations held with LPL Financial)

Personal

Scott has been married for 20 years to his wife Sharon. Scott’s daughter Maisie is currently attending high school. Scott enjoys spending time with his family and doing all the many outdoor recreations that the Upper Peninsula has to offer such as golfing, fishing, snowmobiling, hiking, etc.

Words to Live By

“Wishing won’t do it, planning will” - Valentino Ciullo

Joel Schmidt, Office Manager

Background

Joel is a veteran of the Army having served his country honorably from 1992 to 1998. Joel has been in the financial services industry for 10+ years serving in various capacities.

Personal

Joel and his wife Tiffany have been together since 2006 and have a beautiful boy Colton who is in elementary school. Joel has lived most of his life in Sault Ste Marie Michigan. When not in the office Joel enjoys spending time with his family, watching sports, boating, volunteering at the First Presbyterian Church and following his daily exercise routine.

Words to Live By

"Challenges are what make life interesting and overcoming them is what makes life meaningful." - Joshua J. Marine

Cindy Scott, Marketing and Technology Manager

Education

B.S. Computer Science

Background

Cindy was born in the Upper Peninsula of Michigan and has spent most of her life there with the exception of attending the University of Alaska, Anchorage where she obtained her Computer Science degree and met her husband Dave.
Cindy started her career in public accounting working as a Management Consultant for Ernst & Young CPA’s in 1987 in Alaska. After moving back to Michigan in 1989 Cindy worked in various capacities, as a Computer Programmer, System Analyst, and a Self Employed Computer Analyst.
Cindy stepped away from the work force for a number of years to focus on raising her two sons, Sam and Josh. Now that they are both in college, she has taken on the role of Marketing and Technology Manager at her husband’s practice at LPL Financial.

Personal

When not in the office Cindy enjoys anything to do with nature, animals and fitness; spending most of her free time hiking trails of the Upper Peninsula, doing yoga or playing with her boxer puppy, Remi.

Words to Live By

"If you don't have your health, you don't have anything." This has been said to her many times from a very special woman in her life, her mother-in-law.

Cindy says this quote always makes her stop and think of how important health is to living a viable, happy life. She thanks her mother-in-law for her continuing efforts to exercise and eat healthily on a daily basis.

Remi, Office Mascot

Background

Remi is our laid-back, brindle-coated boxer and part-time office mascot. Since her parents are avid outdoor-people, she was welcomed into the family with much excitement as a companion on nightly walks and weekend excursions. To their dismay, she would roll over onto her back, or run and hide when the word ‘walk’ was mentioned during the first few months in her new home. She now gets her daily exercise with less reluctance, but still isn’t overly thrilled.

Education

She has not attended college but has watched her 2 older brothers come and go many times to this mysterious place. She is elated to see them, no matter how long it’s been in-between, but she is exceptionally sad when they pack up to leave. She often dreams of higher education for herself one day, but has not achieved this lofty goal as of yet. She loves to sleep, and rarely makes it into the office.

Words to Live By

I love rawhide bones but eat them too quickly, resulting in choking and gagging. Consequently, my mom and dad no longer give them to me, and I miss them terribly. So, my words of wisdom – “Slow down and chew your food!”