Strategic Partnerships

Michael Binger, CFA®

President of Gradient Investments, LLC

 

Jeremy Bryan, CFA®

Portfolio Manager of Gradient Investments, LLC

Keith Gangl, CFA®

Portfolio Manager of Gradient Investments, LLC

 

Tyler Ellegard, CFA®

Portfolio Manager of Gradient Investments, LLC

 

Tim Kosmos

Enrolled Agent and IRS-Certified Tax Expert

With over 25 years of experience in tax planning, preparation, and representation, Tim Kosmos is a highly trusted Enrolled Agent. He is dedicated to helping individuals and businesses navigate the complexities of the U.S. tax system while strategically minimizing tax liabilities. As an Enrolled Agent, Tim is federally licensed and authorized to represent taxpayers before the IRS in all matters, including audits, collections, and appeals.
Tim works with his team to integrate proactive tax planning into financial strategies. This includes structuring tax-advantaged, tax-deferred, and tax-free accounts to help clients maximize retirement income and reduce their overall tax burden. His expertise ensures that tax planning complements clients’ broader financial goals, offering a comprehensive approach to achieving long-term financial success.
Whether you’re seeking advice on tax-saving strategies, need assistance with complex tax matters, or want integrated tax and investment planning, Tim Kosmos provides tailored solutions focused on trust, accuracy, and lasting results.

Rachel Scharnett

Insurance Professional

Rachel is a seasoned insurance professional with 10 years of experience, specializing in family protection. She works closely with individuals and business owners, providing tailored solutions to secure their financial futures. Known for her genuine care and dedication, Rachel builds lasting relationships with her clients, guiding them with integrity and personalized attention.

Larry Clinton

Financing Specialist

Larry Clinton has been a leader in the finance industry since the mid-90s.

As a trusted strategic partner, Larry brings decades of expertise, offering tailored financing solutions for residential, commercial, and development projects. He leads a top-performing lending team at Infinity Lending and serves as SVP at KPRE Capital Group and BCREM. Larry’s creative, strategic approach helps clients secure funding and maximize opportunities nationwide.

Neta Wenrick

Medicare Specialist

Neta Wenrick has dedicated 40 years to working with seniors. She finds great joy in educating people about Medicare and connecting them with valuable resources through her extensive network in the senior care community.

Neta holds a Bachelor’s Degree in Music Education, Certification in Music Therapy, and a Master’s Degree in Healthcare Administration from California State University, Long Beach.

Neta is passionate about improving the quality of life for seniors, using her vast network of contacts to make a positive impact in their lives.

This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC.

*The endorsement of the above listed individual(s) is provided by this investment advisor who refers clients for their professional service(s). This investment advisor is not affiliated with them or their service(s).