About

Henry E. Zapisek, CFP

Financial Advisor

Phone: 619-294-9727

Fax: 619-294-2442

E-mail: hankz@affluence.com

Henry is a Certified Financial Planner® certificant since 1987. He is a Financial Advisor and Registered Principal with Financial Network Investment Corporation, Member SIPC. Financial Network Investment Corporation is a full service broker/dealer and registered investment adviser, providing financial planning, investment advice and brokerage services. Henry has a California life and disability insurance license and is enrolled to practice before the IRS.

Henry entered the financial services industry in 1985, and built a clientele comprised of individuals, executives and families. In his practice, emphasis is placed on personalized financial planning and wealth management. Henry specializes in inheritance, windfall, early retirement, and employee stock option planning. He incorporates his knowledge, experience and passion by helping his clients "Make The Right Decisions."

A longtime resident of San Diego, California, Henry was Chairman of the Board of Trustees for the Consumer Credit Counseling Services of San Diego and Imperial Counties and the Financial Literacy Foundation (1997-1998), and is a 1998 graduate of LEAD San Diego and is currently a member of its’ Leadership Trust. He is President of the Board for the United Nations Association International Gift Shop located in Balboa Park and treasurer for the Morena Business Association, Inc. He has written several articles that have been published, and has been quoted in the San Diego Union-Tribune, Retire With Money from Money Magazine, San Diego Magazine, San Diego Business Journal, USA Today, The Journal of Financial Planning, and was recently quoted in Ann Perry’s latest book, The Wi$e Inheritor.

Henry is a graduate of Saint Joseph’s University in Philadelphia with a Bachelors of Science in Psychology. He completed the Financial Planning Program at the University of Southern California. Henry can be reached at 619-294-9727, hankz@affluence.com, www.affluence.com or in person at 814 Morena Boulevard, Suite 108, San Diego, CA 92110. Henry resides with his wife Jane and their daughter Kyla in Bay Park.

Richard S. Carlquist, MBA

Financial Advisor

E-mail: rich@affluence.com

Richard S. Carlquist is a Financial Advisor for Financial Network Investment Corporation, a registered investment advisor, brokerage firm and SIPC member headquartered in El Segundo, California. Financial Network is a member of Cetera Financial Group.

Richard works primarily with high net worth families/individuals, successful business owners and non-profit investment committees. He focuses on multi-generational family wealth planning, investment management and assisting families with the design, implementation and maintenance of their retirement planning strategy. He also assists surviving spouses with the myriad of transitional financial matters they face.

Richard’s financial career started in 1995 after retiring as a US Navy Special Operations Officer. He graduated from the US Naval Academy in 1980 and received an MBA from Honolulu’s Chaminade University in 1992 with an emphasis in Taxation. Richard frequently teaches at local schools, corporations and churches, providing information on retirement planning, asset allocation, investment management, employee stock options and estate planning. To maintain his professional proficiency he’s an active member of several organizations including the Estate Planning Council of San Diego and the Financial Planning Association.

Richard is a Trustee for the US Naval Academy Foundation in Annapolis, MD and is also an active supporter of the San Diego community. Locally he serves as Membership VP for the Estate Planning Council of San Diego and is on the Board of the San Diego Chapter of the US Naval Academy Alumni Association. Committed to financial education he has been teaching basic investing courses to San Diego based Sailors and Marines since 1996.

Dale F. Cors, MA

Financial Advisor

Phone: 619-294-9727

E-mail: dale@affluence.com

Dale Cors is a Financial Advisor with Financial Network Investment Corporation, member SIPC. Financial Network Investment Corporation is a member of the Cetera Financial Group.

A San Diego resident since 1973, Dale has been in the financial services industry since 1979. He served for 15 years as a senior executive and owner of a firm providing cash management services to a national corporate clientele. His financial planning career began in 1994. Dale focuses his financial planning services on the needs of business owners and professionals, assisting them in reaching their goals for financial independence. Dale participates in the financial planning profession as a member of the San Diego chapter of the Financial Planning Association. He has also been active in the community with the International Aerospace Hall of Fame and the San Diego Air & Space Museum.

A graduate of Purdue University, Dale received a B.S. in Business Economics and an M.A. in American Studies. He served as a commissioned officer in the U.S. Marine Corps as a pilot flying missions in support of U.S. Marine Corps ground forces in VietNam.

In his spare time, Dale stays active with his family and plays amateur baseball in a Men’s Senior Baseball League.

Lori Ann M Davini

Chief Operating Officer

E-mail: loriann@affluence.com

Lori Ann is a Registered Principal with Financial Network Investment Corporation, member SIPC. Lori Ann holds the Series 7, Series 63 Series 66 and Series 24 registrations. She is the Chief Operating Officer for the Henry E Zapisek, CFP® Office of Supervisory Jurisdiction.

Lori Ann entered the financial service industry in 1992 working for a wealth management company with three billion under management preparing quantitative reports for mutual fund portfolios, limited partnerships and managed accounts of investment managers for high net worth individuals. She worked closely with custodians, investment managers and broker dealers, providing reconciliation of security transfers and day to day transactions and pricing.

Lori Ann then continued working at a private wealth management firm in 1998 supervising the opening and transferring of clients’ accounts, working closely with Pershing and other brokerage firms in moving assets to the company’s Trust division and other subdivisions. She continued to execute corrective actions and/or made recommendations for resolving complex issues for brokers and their clients.

Lori Ann joined Financial Network Investment Corporation in 2001 and is currently overseeing 4 investment advisor representatives and 1 associate. She serves as a liaison for the majority of the office’s client queries and is the primary contact for all operational activities. She has established rapport of trust through timely and accurate information and providing leadership to achieve integrity for all clients’ accounts.

Lori Ann is a graduate of California Polytechnic State University San Luis Obispo with a Bachelor’s of Art’s in Communications. As a resident of San Diego, Lori Ann can often be found playing with her son at the local beaches, scuba diving, skiing or riding on their dessert terrain vehicles.

Brent M. Moonen

Financial Advisor

E-mail: brent@affluence.com

Brent Moonen is a registered representative with Financial Network Investment Corporation, an SIPC member. Brent holds both the Series 7 & Series 66 securities registrations.

Brent is a graduate of San Diego State University with a Bachelor’s of Science in Business Administration.

He has worked in the Information Technology field as a Software Engineer for the past 13 years serving the research and development departments of several different companies. He has also owned and managed his own information technology consulting business, serving the needs of small businesses.

A resident of Temecula since 2002, Brent enjoys playing ice hockey, golf and flying airplanes along with spending time with his wife Rebecca and their two young sons, Jacob and Andrew

Olena Gladonyuk

E-mail: olena@affluence.com

Olena Gladonyuk is an Investment Professional at the Financial Network Investment Corporation branch office of Henry E. Zapisek, CFP®. Olena Gladonyuk holds securities Series 7 and 66 registrations.

Olena grew up in the Ukraine where she earned a degree in Economics with a concentration in business undertakings, accounting and auditing at Priazovskyy State Technical University, Mariupol. Olena worked for nine years as a chief accountant for a number of Ukrainian companies, as well as for international companies such as FM Logistic Dnepr and BIC – Ukraine. After completing the Personal Financial certificate program at UCLA she joined Henry’s group and is now serving as the teams lead analyst for ongoing investment portfolio analysis and comprehensive financial review, to include cash flow management and income tax preparation.

Olena enjoys outdoor activities with her friends playing beach volleyball, swimming, hiking, visiting new places and learning behavior finance and market psychology.

Olena can be reached by telephone at (619) 294-9727, by e-mail: Olena@affluence.com

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