“My responsibility lies in educating and providing clients with unbiased insurance benefits and retirement strategies. When working with individuals, my goal is to be their problem solver and trustful resource so they can have financial peace of mind.”
Jay Shareef is an independent financial professional committed to helping his clients in retirement and insurance planning. Jay utilizes various strategies to assist his clients improve their investment potential, reduce financial risk and help preserve their estate for their heirs. His educational and no pressure approach have granted him the opportunity to work with individuals in the area of Federal Benefits as well as expand his practice to include income planning and asset protection strategies.
He is committed to educating his clients and to providing direction on:
Chris Rhoads is the Vice President of Certa Advisors, a financial services firm located in Frederick, MD, that helps clients with retirement planning. As a registered investment advisor and independent financial professional, he operates as a fiduciary and is free to act solely in the best interest of his clients. Chris is committed to helping his clients in retirement and he takes a holistic approach to financial planning that includes insurance and risk management, investments and wealth management, retirement income planning, and estate and tax planning.
Chris is a co-founder of Certa Advisors, and he started Certa Tax Services to further help his clients with complex tax matters. He is a Chartered Federal Employee Benefits Consultant (ChFEBC℠) and he is currently pursuing the Chartered Financial Consultant® (ChFC®) designation through the American College of Financial Services. He has a strong background in corporate finance, and he’s previously started and managed two technology companies.
Chris has been married to his wife Tia since 2009 and they live in Frederick, MD together with their two young daughters. In his free time, Chris enjoys traveling, watching sports, and being active in causes he cares passionately about.
Director, Federal Benefits Consultant
Traycee is a Director at Certa Advisors and holds the designation of Chartered Federal Benefits Consultant. She has been involved in the financial services industry since 1993 and specializes in serving others by educating them about their employer’s benefits as well as their money matters.
“I run into individuals every day who are so busy with life that they’ve never taken the time to sit down and see exactly what their benefits are. I take the mystery out of what they are receiving and help them understand the best way to plan for their retirement.”
Traycee’s knowledge and expertise has made her a sought after benefit and retirement workshop presenter in various states.
Federal Benefits Consultant
Angela Waul is a Federal Benefits Consultant at Certa Advisors. Specializing in Retirement and Employee Benefits in the Government sector. With over 15 years in the financial services industry, Angela is dedicated to helping individuals accomplish their financial goals, protect their loved ones and to retire comfortably without delay. She prides herself on developing lasting relationships with her clients and providing exceptional customer service. Our services include annuities, insurance and retirement. Angela resides in Calvert County, MD and enjoys traveling, family gatherings, walking, races, gospel music and reading.