is a principal of Summit Wealth & Retirement Partners. Upon graduation from college, Hal was commissioned and served five years in the U.S. Air Force. After his military service and completion of his Masters Degree, Hal joined Cigna Financial Services in 1983. After two years in Houston, he transferred to the Cigna office in San Francisco where he and Paul met and worked together. While at Cigna, Hal completed his Certified Financial Planner (CFP) designation.In 1989, Hal joined Prudential Investments and worked in institutional asset management, specifically retirement plans, endowments, foundations and Taft Hartley plans. After leaving Prudential, Hal spent time with Victory Capital Management, an institutional money manager and subsidiary of Key Corp.After much thought and discussion with Paul, Hal re-entered private practice and became principal of Summit Wealth & Retirement Partners (formerly RG Financial Partners in 2005). His primary responsibility is to support the Wealth Management needs of our clients. He is responsible for investment research, design, implementation and monitoring of our client portfolios. Hal closely monitors performance and risk within individual client portfolios, oversees asset allocation policy, and performs financial needs analyses.Hal attained a masters in Business Administration from Webster University and an undergraduate degree in Marketing and Finance from the University of Oregon (go DUCKS !) Hal lives in Granite Bay, California, with his wife, Cathy, and two children, Matthew and Elizabeth. He enjoys golfing and snow skiing with the family and is active in his church. Hal and his family spend Easter vacations in Victoria, Mexico with his church mission building homes and serving the people of rural Mexico.