Our Company Values
For those who are looking for financial advice, we realize the available options are many and deciding who to work with is a challenging problem. Listed below are our Company Values which we hope will give you a better understanding of how we operate.
- People Matter – We believe that each person is innately valuable and worthy of respect and honor. We believe that relationships matter and that business is relational, top to bottom. People First, Money Second is a priority statement that places people and relationships ahead of financial matters.
- Integrity Matters – We believe that integrity and truth matter. We believe we need to conduct our business in such a way that we are “above reproach. We believe suitability and ethical practices come from placing a high value on other people and their needs before our own.
- Communication Matters – We believe that communication with our client partners builds and maintains the trust that is necessary for business relationships to reach their full potential. We believe that our client partners deserve the type of communication that is frequent, timely, truthful, & relevant.
- Service Matters – We believe that good service is practical and that great service is necessary in the pursuit of business excellence. We will pursue perfection and in so doing “catch a little excellence along the way.” (Vince Lombardi)
Carolyn graduated from the University of Kentucky with a BS in Chemistry and from Boston University with an MEd in Science Education. She applied her education by teaching in public and private secondary schools for 17 years. In 1993, recognizing the need to resolve her own financial issues, Carolyn began studying all aspects of wealth management. Feeling that she had found her calling, she took her passion for teaching to the financial services industry.
Carolyn began her career in financial services with The Equitable and initially utilized her education background to specialize as a retirement planning consultant for teachers and non‑profit organizations. Prior to founding SeaCure Advisors, LLC., Carolyn founded Pegaesus Advisors, Inc. in the Boston area, which she sold in 2011. She also co‑founded another registered investment advisory firm that she sold in 2001.
In 2001, numerous circumstances were making it difficult for Carolyn’s clients to make financial decisions. It was then that she began collaborating with a highly recognized wealth counselor.
This solution was so successful that she was featured in the Boston Globe and was quoted in the Wall Street Journal. In addition, she became a sought‑after speaker for financial planning workshops and seminars. Carolyn has been recognized by Boston Magazine as one of Boston’s top wealth managers for three consecutive years. She has been featured in Money Magazine and quoted in numerous journals as well as featured in Dow Jones wire. She most recently was selected as the top Financial Advisor in Sarasota, FL and chosen as tops in her field by IAOTP. Carolyn is featured in a public television program sponsored and produced by James Earl Jones called “Behind the Scenes”. The program title is called “Empowering Women in Finance.”
Carolyn has volunteered in various community service organizations over the years. She has taught retirement planning at Technical Development Corporation, a management institute serving non‑profits in Boston and New England. She has been a continuing education instructor for CPAs, attorneys, and CFPs in Massachusetts. Carolyn has had memberships in the Institute of Estate Planners; American Association of Individual Investors; National Association of Investment Clubs; International Association of Registered Financial Consultants, Inc.; and the MIT Women’s League Financial Group. Carolyn is currently a member in the Institute of Certified Financial Planners; the Financial Planning Association; Financial Service Professionals; 100 Women in Lexington, KY; and the University of KY’s foundation, Women and Philanthropy.
She most recently has been added to the American Association of Fiduciary Educators. Carolyn’s passion is helping others achieve their goals and dreams while empowering them through education. She actively contributes to Investopedia, an online question and answers financial service.
Carolyn has provided pro bono financial planning services for individuals and families at Dana Farber Cancer Center in Boston, MA. Carolyn believes she has had a true calling for this work since her late husband, Jack Howard, died in 2008 of brain cancer. Carolyn is on the executive committee for 100 Women ‑ a fundraising group of women in Lexington, KY that donates to nonprofit organizations that provide services to women and children in Lexington, KY.
Carolyn enjoys music, art, historic preservation and restoration, and swimming. She lives with her husband, Albert Kelley, and is the mother of two adult children, Courtenay and Jonathan. She is also “Mimi” to two beautiful granddaughters.
Like Carolyn and Bob, Patty has worn several career hats and is no stranger to navigating change. After receiving a BA and MA in Education from The University of Kentucky, Patty taught art to high school students for 11 years. In 1981, she took a leap of faith and made the move to the financial services industry. She established Breeze Financial, LLC, an insurance, investment and financial planning firm in Lexington, KY.
Since then, Patty has made it her mission to empower her clients by, among other things, ensuring that they fully understand all of the options available to them. Bringing clarity to the table is a top priority for Patty. She loves to inform, encourage and inspire clients—in both bad times and good—so that they can see the light at the end of the tunnel and maximize all of their financial opportunities and potential. In doing so, Patty capitalizes on her considerable teaching skills and ability to explain strategies in a clear, concrete and engaging manner.
Over the years, Patty has devoted enormous time and energy to the Lexington, KY business and arts communities. Among her many award-winning activities, Patty has served as: President of Living Arts & Science Center; Board member and President of Center for Women, Children and Families; Kentucky Delegate to the White House Conference on Small Business; Division Chair of the United Way of the Bluegrass Fundraising Cabinet, and Board Member of the Woodford Theatrical Arts Association.
Patty lives with her husband David and their daughter Morgen in Versailles, Kentucky. Her son Hunt has served as a combat medic, with one tour of duty in Afghanistan. Patty enjoys traveling, reading, gardening, swimming, golf, tennis, and downhill skiing.
Bob Miller has been helping clients meet their financial goals for more than fifteen years.
Bob’s decades of extensive experience with Fortune 100 companies and as a small business owner made the financial planning field a natural next step. His diverse background is invaluable in relating to his many varied clients.
Recognizing early on the need for greater knowledge of the complexities of financial planning, Bob chose to become a Certified Financial Planner. He believes that “the CFP designation gives the public a sense of security, confident that individual has tested knowledge and experience, and he or she adheres to a code of ethics.” Bob has been an instructor at Boston University, teaching Retirement and Employee Benefits to aspiring CFP candidates and held the same position at Northeastern University.
Putting his clients’ needs first and foremost is the guiding principle that Bob never compromises. Because he doesn’t sell investments, his clients benefit from his clear-cut unbiased advice. Bob is especially interested in helping individuals who are planning for retirement and those facing life-changing events.
In addition to offering financial planning services to individuals and families directly, Bob provides employee benefits to many small businesses guiding them through the challenges of creating and maintaining quality affordable benefit programs. Bob’s advice is frequently sought, and he has been quoted in numerous publications, including the newly published book Beyond 401(k) s for Small Business Owners authored by business attorney Jean Sifleet. He has been a presenter to national trade associations, on retirement and personal financial planning, and a sought after expert for business television programs.
Jonathan Howard is not a career “money guy.” After graduating Magna Cum Laude from Middlebury College in 1998, he moved West to pursue work in movies and television. He spent the following 17 years in Los Angeles, working mostly in post-production as an editor and visual effects artist.
During this time, Jonathan spent several years studying strategies to better manage his family’s finances. This became especially critical after his oldest daughter, Opal, suffered two serious illnesses in a three year period, resulting in enormous medical bills and depletion of many years of savings. As a result of that challenging period, Jonathan wanted to find work that would fulfill his goals to be of greater service to others while being more present for his wife, Megan, and daughters Opal and Tessa.
Fortuitously, it was at this time that Jonathan’s mom, Carolyn, offered to hire and train him as an advisor at her firm, SeaCure Advisors, in Lexington. Eight months after that offer, Jonathan and his family were living in Lexington and Jonathan was diving deep into the vast ocean of knowledge required to begin a career in financial planning.
Now a series 65 licensed fiduciary advisor and actively enrolled in coursework to become a Certified Financial Planner, Jonathan has found a new home for the technical skills he acquired during his many years using and manipulating complex, high-end computer software. He has built a unique and constantly evolving stack of digital tools that are an essential and defining component of the planning process at SeaCure. Whether planning for college expenses or retirement, Jonathan has cultivated a software pipeline that allows him to present his clients with mathematically-sound, adaptive plans that provide a custom, flexible, evidence-based roadmap towards the realization of the client’s goals.
Having spent the first half of his professional life outside of the world of finance, Jonathan understands what it feels like to be uncertain about whether or not you’re doing the right thing with your money, if there are opportunities you might be missing to better position yourself for the future, or whether a piece of financial advice will provide real benefits or turn out to be more sales than substance.
While it is impossible to have absolute certainty about the future, Jonathan is constantly surveying the landscape of available financial tools to provide accurate, transparent solutions that put his clients in control of their financial destiny. With every household Jonathan serves, he aims to turn “I hope so” into “I know so”. This emphasis on transparency and control defines Jonathan’s practice and serves as the foundation underlying all of his work.
When he isn’t hosting fundraisers for local high schools, presenting retirement seminars around Lexington, or designing solutions for his clients, Jonathan spends as much time with his family as possible. They enjoy hiking the Red River Gorge, stand-up-paddling a few of Kentucky’s many miles of beautiful, sweating through gymnastics training in the home gym he built in his basement, and dreaming up additions to the backyard garden. He hopes to someday hike the Appalachian Trail, take up bow hunting, and travel the country with his wife in an RV. He lives in Lexington, KY with his wife, two daughters, two dogs (Poppy and Charlie), Betta fish (Ocean), and a ball python (Matilda).
Plan For Your Future
There is no one “best place” to put your retirement money because each individual and couple has unique requirements, different tolerances for risk, and need their money at different times. Likewise, there is no one place to keep your money that fits everyone for exactly the same reasons. Your unique circumstances must be taken into consideration if you seek to find the “most favorable place” for your retirement money. This is where we can be of service.
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