I am a passionate financial advisor dedicated to helping individuals plan and achieve their ideal retirement lifestyle. I specialize in personalized retirement planning strategies, investment management, and wealth preservation. I'm committed to providing comprehensive guidance tailored to each client's unique financial goals and circumstances. I'm skilled in optimizing retirement income streams, minimizing tax liabilities, and navigating complex financial landscapes.I specialize in crafting personalized retirement plans that can help you achieve your own Happily Ever After Retirement™. At APO Financial, we guide you through the intricate landscape of retirement planning, ensuring that you have a clear roadmap to your financial goals. We take into account your unique circumstances, risk tolerance, and aspirations to create a tailored strategy that maximizes your savings and investments. Let myself and the APO team be your trusted partner on the path to a joyful and secure retirement, ensuring that your golden years truly live up to the promise of a Happily Ever After Retirement™.

RCL (Rita-Croze-Lizzie) is a non-profit organization formed by two of my best friends and myself. Our focus is promoting health and wellness in the Keweenaw by organizing an annual fun run/walk called the Bootjack 9.06K. The organization donates all proceeds to a local charity or group. We also refer to the Fun Run as "A Celebration of Friendships" as the people that sponsor, participate, or support our fun run have all become great friends of ours.

 Graded student coursework and provided feedback through commentsand edits. Held virtual office hours to assist and communicate with students andparents. Built and strengthened positive relationships with students, parents andteaching staff. Remained calm and patient in student interactions to support individualgrowth and development.

Created and implemented course agenda, lesson plans and activities tomeet course objectives. Created course materials and developed online and in-class discussiontopics, lectures and presentations. Facilitated group discussions, encouraging students to address classconcepts to increase understanding. Integrated multimedia technology in classroom instruction for well rounded and engaging approach to instruction.

Educated students on core principles and advanced concepts ofmathematics. Managed consistent, learning-focused classroom environments byestablishing and communicating clear objectives for students. Adapted teaching methods and instructional strategies to promote learningin students of differing skill levels. Delivered clear, informative lectures on subject matter framed to meet statestandards. Fostered students' commitment to lifelong learning by connecting coursematerials to broader themes and current events.

Inducted into the Michigan High School Football Coaches Hall of Fame 202214 Conference Championships: 1994-1999, 2005, 2006, 2009, 2010, 2015, 2016, 2018, 2021; Consecutive Conference Wins: (17) 1995-1998, (15) 2004-2007, (17) 2008-2011, (16) 2014-2017, (12) 2017-2019; Two Undefeated Regular Seasons: 1996, 2018; Consecutive Regular Season Wins: (9) 2009-2010, (9) 2016-2017, (17) 2017-2019; 22 Years State Playoff Qualifier: 1993, 1995-1997, 1999, 2002, 2005-2012, 2014-2021; Four District Championships: 2006, 2016, 2019, 2021; Three 10 Win Seasons: 2016 (10-2), 2018 (10-1), 2019 (10-2); Two Time Upper Peninsula Class C Team of the Year 2009, 2018; Upper Peninsula All-Star Game Assistant Coach 2009-2010, Head Coach 2011; Nine Time West-PAC Conference Coach of the Year 2005, 2006, 2009, 2010, 2014-2016, 2018, 2021; Upper Peninsula Class A-B-C Coach of the Year 2009; Five MHSFCA Academic All-State Teams 1996, 2006, 2007, 2012, 2019; MHSFCA East-West All-Star Game West Assistant Coach 2021; Six Time MHSFCA Regional Coach of the Year 2002, 2006, 2016, 2018, 2019, 2021.Educated athletes in rules, strategies, sportsmanship and performanceprinciples. Assessed player abilities and assigned positions according to individualstrengths. Organized season timetable and scouted other teams for tactical aims. Readied team to compete in tournaments and other special events. Planned strategies and selected optimal team lineups to execute gameplans. Guided athletes with encouragement, motivation and nutritional advice tosupport athletic performance and overall well-being. Built strong media and community relationships through positiveinteraction and communication in support of sports program. Worked with parents and school administrators to handle supportfunctions. Adjusted coaching techniques to meet athlete needs and address strengthsand weaknesses. Worked closely in training capacity with fellow student-athletes duringoff-season.

 Oversaw union meetings and maintained harmonious, nurturingatmosphere among members. Managed employer and union member relations, processed grievances andresolved disagreements. Led team of labor union officers in developing long-range goals and settingpolicies and procedures. Oversaw the Steve Lancour Memorial Winter Clothing Drive during theJohn MacInnis Holiday Hockey Classic - 2017, 2018.

 Dedicated to giving our athlete's the best and safest high school footballexperience. Worked on improving high school football in Michigan. Represented the interests and concerns of all the teams that were in theregion at the quarterly board meetings. Communicated with the head coaches and other Association membersfrom the region. Primary source of communication between the Board ofDirectors and the membership. Promoted memberships, awardrecognition, attendance at special events, media relations, rule changes,and safety procedures.

 Presented students with information and resources to promote academicprogress and empowered students to compete in academic quiz bowlcompetitions.

 Developed coaching and training plans for score development andperformance enhancement. Planned strategies and selected optimal team lineups to execute gameplans. Adjusted coaching techniques to meet athlete needs and address strengthsand weaknesses. Developed exercise regimens targeting individual athlete needs. Demonstrated leadership by making improvements to work processes andhelping to train others.

 Helped the senior class officers coordinate, plan, and execute severalactivities through the school year. Facilitated the communication between the senior class and administrationand other stakeholders. Created and executed successful strategies to facilitate collaborationbetween the students of the current senior class.

 Maximized physical talent of team through quality teaching and coaching. Modeled positive physical, intellectual and positive social behaviors forstudent-athletes to abide by. Monitored adherence to team rules and regulations with conduct,appearance and class attendance.

 Encouraged team members to become stronger, more agile athletes andmore successful competitors through focus, effective training and propernutrition. Developed training and exercise programs to meet individualrequirements and team play strategies. Educated athletes in rules, strategies, sportsmanship and performanceprinciples. Developed exercise regimens targeting individual athlete needs. Worked closely in training capacity with fellow student-athletes duringoff-season.

 Educated athletes in rules, strategies, sportsmanship and performanceprinciples. Developed exercise regimens targeting individual athlete needs. Demonstrated leadership by making improvements to work processes andhelping to train others.

 Coordinated alcohol and drug prevention programs to cultivateatmosphere focused on positive decision-making.