“Opportunities don’t happen. You create them.” —Chris Grosser
William is dedicated to being a trusted resource for his clients’ investment planning needs. Having started his own neighborhood landscaping business in high school, he learned early on that delivering measurable results based on each client’s unique goals was a key component to long lasting success and making a positive impact on those he serves.
William’s hometown is Katonah, NY . William graduated from Virginia Tech with a Bachelor of Science in Financial Services and Consumer Studies. William’s other areas of focus include comprehensive wealth planning, investment strategy selection, and portfolio construction. He also currently holds his Series 7, 66, and Insurance Agent licenses.
William is passionate about providing exceptional service to his clients and thoughtfully guiding them through every step of the investment planning process. When he is not helping families achieve their financial goals, you can find him fishing, skiing or spending time with his family.
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“To achieve what 1% of the world’s population has (Financial Freedom), you must be willing to do what only 1% dare to do…hard work and perseverance of the highest order.” — Manoj Arora
Adam believes that as a team, our objective is to enhance the quality of life for the families we serve. This includes creating tax-friendly investment strategies that not only provide income streams during life but also help families secure their financial future by distributing assets to multiple generations. For retirement accounts, he focuses on growth plans and income strategies utilizing professional institutional managed accounts, while his partner offers discretionary portfolio management strategies. Together, they pride themselves on total service — including how well they listen to and understand what is most important to their clients.
Using a consultative approach, Adam looks at a family’s complete financial picture, taking into account Fundamental Investing, Growth Investing, and Value Investing for the right mix that aligns with their personal philosophies and objectives. He believes we need to rethink the way families derive their retirement income in the investment world today, versus how things were done over the past several decades.
Adam has learned that exceeding expectations through personal attention, active listening and focusing on what is most important to those he serves is what makes his business continue to grow.
Born in Long Island NY, and grew up in South Florida his whole life. Adam has a Bachelor of Arts in Psychology, Sociology from Florida State University, Adam began with Prudential Securities in 1995, before the company merged with Wachovia in 2004. When Wells Fargo & Company acquired Wachovia in 2008, Adam became First Vice President – Investment Officer. He is proud of building a tremendous business by providing attentive client service.. A father of twin boys, he loves chocolate & peanut butter (together) and sunrises at the Keys. He has a history of involvement with the JCC of Boca Raton.
“The money you make is a symbol of the value you create.” —Idowu Koyenikan
A graduate of the New York Institute of Technology with a Bachelor of Science in Business, Michael holds his Series 63 and 65 registrations and has been recognized as a Premier Advisor from 2016-2021. The Premier Advisor distinction is held by a select group of Financial Advisors within Wells Fargo Advisors Financial Network as measured by completion of educational components, business production based on either of the past two years, and professionalism. Additional criteria, including length of service, may also be used to determine recipients. His 35 years in the financial services industry includes time with Merrill Lynch, Prudential Securities, and Wachovia before joining Wells Fargo & Company. The Rochester, New York native has been married for 54 years, and has two children. A fan of tuna fish and donuts, he loves to golf, enjoys cars and gardening. Michael’s favorite sunrise location is the beach in Fort Lauderdale.
“Some people spend an entire lifetime wondering if they made a difference in the world. But the Marines don’t have that problem.” —Ronald Reagan
Lynne has been in the financial services industry for more than 20 years. A Palm Beach Gardens resident, she’s most proud of her son, who serves our country in the US Marine Corps. When asked what superpower she’d like to have, Lynne said, “The ability to read people’s minds!” Prior to joining Gardens Wealth Management, she was a Vice President with SunTrust Bank, a Financial Advisor with Wells Fargo Advisors, a Private Banker with Citigroup Private Bank, and a Relationship Officer with Chase Manhattan Private Bank. Lynne has a Bachelor of Science in Business from the University of Phoenix. Away from the office, she sits on the Five Star Advisory Board of Palm Beach Gardens Community High School and volunteers with the Boys & Girls Clubs of Palm Beach County.
“I’ve learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel.” – Maya Angelou
As the manager of a support staff team, Jessica is focused on keeping Gardens Wealth Management families informed about the status of their accounts. Her extensive business experience includes a wide range of organizations supporting management and accounting functions. Her previous positions include non-profit and family-owned corporations, where she learned many different facets of finance and accounting. A Floridian since the age of two, she is passionate about ocean conservation and is fascinated by sharks, a vital part of our ecosystem. Her favorite sunset location is in the British Virgin Islands.
Jessica has a Bachelor of Science in Business Administration with a concentration of Finance from the University of Central Florida. Prior to joining Gardens Wealth Management, she was in a management role in Accounts Receivable for Pero Family Farms Food Company, and an Executive Assistant for Loggerhead Marinelife Center where she assisted the President/CEO and Director of Finance.
Jessica is an active member of the Junior League of the Palm Beaches, volunteers with local beach clean-ups, and is a member at the MacArthur Beach State Park, where her husband serves on the board. In the past, she also served as a board member of the University of Central Florida Palm Beach Alumni Association and treasurer of the American Cancer Society’s Relay for Life of Jupiter.
“I refuse to join any club that would have me as a member” —Groucho Marx
Having a sense of humor has served David well over his 40+ years spent successfully navigating Wall Street. David believes it’s important to take work seriously, but not take yourself too seriously — that bringing a lighter attitude to the process opens the lines of communication with the families he serves and makes it easier to connect.
A native of Salem, Ohio, David began his investment career in 1982 as an Account Executive with Merrill Lynch in Chicago, Illinois. After relocating to Ft. Lauderdale in 1985, he advanced from an Account Executive to Vice-President, Senior Financial Advisor at Merrill Lynch.
After the crash of 1987, David successfully helped his clients restructure their portfolios focusing on the importance of risk-averse managed money. He began to highlight managed money accounts that were in their early stages of development.
He eventually transferred his practice to Morgan Stanley, and for 17 years continued to service and grow his client base while achieving numerous awards. David joined Wells Fargo Advisors Financial Network in the fall of 2012 as a Senior Financial Advisor. This move was sparked by recognizing the opportunities to offer clients an even more independent and impartial style of money management employed by Gardens Wealth Management. David continues to highlight the importance of sound, diversified planning to his long-standing, loyal client base.
David graduated from The Ohio State University in 1975 with a Bachelor of Arts in Journalism. He lives in Delray Beach, Florida with his wife, Silvia, where they regularly go to the ocean—especially when the surf is breaking. David’s been “hanging ten” since 1978.
“Do not go where the path may lead, go instead where there is no path and leave a trail.” —Ralph Waldo Emerson
Heidi has been blazing trails in the financial services industry for more than 30 years. She is dedicated to precise, thorough administration in the day-to-day operations of every account Gardens Wealth Management serves. Heidi enjoys interacting with advisors and families, believing the work we do on their behalf is incredibly important and the details of all transactions must be handled with the utmost care.
Heidi understands the importance of clear, timely communication. In this fast-paced world, families expect rapid responses to their requests, so staying on top of the day-to-day details is essential, and she thoroughly enjoys that aspect of the job.
A Commack, New York native, Heidi earned a Bachelor of Arts in Psychology from the State University of New York at Oneonta and is the recipient of the Premier Client Associate Program Award from 2013-2018. The Wells Fargo Advisors Premier Client Associate distinction is held by a select group of Registered Client Associates within Wells Fargo Advisors nominated by their management for their consistent display of professionalism, integrity and core leadership values. She is married with three children and enjoys traveling, fitness and reading. Heidi’s philanthropic interests include helping advance the missions of Autism Speaks and the Alzheimer’s Association.
“Everything happens for a reason, live it, love it, learn from it! Make your smile change the world, but don’t let the world change your smile” —Anonymous
A Palm Beach Gardens native, Andrea is passionate about the Gardens Wealth Management mission. She finds it exciting to promote an organization so sincerely committed to helping people grow their wealth. Being part of a team that cares deeply about families — and is relentless in doing the very best for them — brings her great satisfaction.
The recipient of a Bachelor of Science in Business Management and an MBA with a concentration in Project Management from Palm Beach Atlantic University, Andrea brings a wealth of learning to her new career in the financial services industry. She is thrilled to use her creativity and strategic insight to carry the message of Gardens Wealth Management’s extraordinary service to as many people as possible. She is working with Gardens Wealth Management Managing Principal, Michael Cowan and the entire team to expand the reach and invite new families to join us.
A foodie who played club beach volleyball in college, Andrea also recently achieved her Florida Real Estate Sales Associate License. When not in the office, you’ll find her working out at Orangetheory, trying new restaurants, and spending time with her family.
“You’re gonna need a bigger boat” —Chief Martin Brody in Jaws
Thomas believes in treating people as he prefers to be treated — with respect and professionalism. The Fort Lauderdale native has been in the banking industry for nearly 15 years, and is delighted to now be part of the friendly Gardens team, where the families we serve come first. His goal is to assist in the full client relationship and make a transition to Financial Advisor. Before joining our team, Thomas was a Senior Teller at Amtrust Bank, and an Assistant Vice President at Wells Fargo Bank before joining our team. He currently holds his Series 7, 66, as well as Life and Variable Annuities licenses. Outside of the office, Thomas supports the Leukemia & Lymphoma Society and Habitat for Humanity as a volunteer.
Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company.
“Excellence is a gradual result of always striving to do better.”—Pat Riley
Luis helps keep Gardens Wealth Management running smoothly, providing guidance on operational issues related to trading of accounts and reviewing accounts with dividend strategies. A South Florida native, he enjoys traveling with his wife to take in different Florida sunsets and following Florida sports teams, particularly the Miami Heat. His volunteer efforts include supporting his daughter’s marching band; he accompanied them to New York for a performance in the annual Macy’s Thanksgiving Day parade.
“All I want to know is where I’m going to die, so I’ll never go there.” —Charlie Munger, Berkshire Hathaway
A Brooklyn, New York native, Mary-Lee began her career in 1984 with the global accounting and consulting firm now known as PriceWaterhouseCoopers. Working in the Actuarial, Benefits, and Compensation Consulting division, she managed and programmed 401(k) processes using proprietary software.
She held several positions in the Retirement Plan Services department at Shearson Lehman Brothers including Marketing Vice President in New York. After the firm’s merger with Smith Barney in 1994 she relocated to Florida as Regional Sales Director, where she worked with financial advisors and employers to implement and maintain retirement plans. She gained further investment experience while working for a mutual fund distribution company as a Regional Vice President.
In these roles, she has helped thousands of individuals and businesses strategize and implement retirement plans. Her extensive background enables her to bring perspective and sound judgment to her clients. She currently works at Gardens Wealth Management as a Financial Advisor for high-net-worth families.
Mary-Lee graduated magna cum laude from LeMoyne College in Syracuse, NY with a double major in Mathematics and Management. She has been married to her husband, Steve for 20 years and together they are raising their children in Palm Beach Gardens. Her perfect day would begin by winning a grueling tennis match and end with a glorious dinner featuring lasagna, chianti, family, and friends. She is most proud of her two happy, well-adjusted children.
Mary-Lee is a member of Impact 100 Palm Beaches, a philanthropic women’s organization that funds local community charities, as well as on the Midtown HOA Finance committee. She has been an international Child Sponsor since 1984 in India, Africa, and Guatemala, helping provide children’s education, nutritional and social welfare to break the cycle of child mortality and poverty.
The use of the CDFA® designation does not permit Wells Fargo Advisors or its Financial Advisors to provide legal advice, nor is it meant to imply that the firm or its associates are acting as experts in this field.
“Be the change that you wish to see in the world.” – Mahatma Gandhi
Jenny is dedicated to delivering extraordinary service to Gardens Wealth Management families. Born in El Salvador, and raised in New York City, she understands the necessity of hard work and determination in achieving personal dreams. The proud mother of a 16-year-old son, is focused on helping him achieve his goals of becoming an aerospace engineer and a professional soccer player.
Living in NYC for more than 26 years allowed Jenny to experience the culture of a cosmopolitan environment while maintaining her culture and customs from El Salvador. Now, Florida has opened another world of opportunities. Working with elementary school kids has been a very rewarding experience, and now she is ready to embrace the financial world and continue serving families in a new capacity.
Jenny’s experience includes being the Reader Mail Editor of Seventeen Magazine, Policy Council, member for HeadStart preschool, and Office Assistant of Marsh Pointe Elementary in Palm Beach Gardens. She is a Certified Florida Department of Education Early Childhood Professional and continues to pursue a Bachelor of Arts with a concentration in Communication. Jenny cares dearly for the environment and the emotional growth of individuals. As a volunteer, she participates in beach cleanup and is an adult leader for her church’s youth mission trips.
“Many men go fishing all of their lives without knowing that it is not fish they are after.” —Henry David Thoreau
David has been in wealth management his entire career. He became fascinated with the stock market at a young age and was giving investment advice to friends as early as high school and college. As a professional, he is singularly focused on helping families achieve their financial goals and improve their quality of life through proven investment strategies. One of his core beliefs is that in investing, you can’t let your emotions get in the way of making sound investment decisions.
Born in New York City, David’s hometown is East Brunswick, New Jersey. He holds a Bachelor’s Degree in Political Science from The University of Michigan. When not helping families pursue their financial goals, he enjoys fishing, golf, experiencing new foods, and spending time with his family. His charitable involvement includes supporting the MS Walk and Gilda’s Club- a charity that provides support to people with cancer, and their families.
“A dream you dream alone is only a dream. A dream you dream together is reality.” ―John Lennon
Scott has an impressive record of success, having been in the financial services industry for over 40 years. He knows how to make sure the families he serves are comfortable with the entire investment strategy process. The Dorset, Vermont native has a Bachelor of Science in Art and Architectural History from Skidmore College, and is a Chartered Life Underwriter, having studied at the American College of Financial Services. He merged his business with Gardens Wealth Management in 2016 after a career path that included Garvin Guy Butler/ICAP (NYC), Smith Barney (Rutland, VT), GFI Group (NYC), and Smith Barney/ Morgan Stanley (NYC).
He loves American history, sailing and thinks a perfect wish evening would be spent chatting with David Bowie and John Lennon. Scott enjoys reading about American history and visiting historical sites, like Fort William Henry and Fort Ticonderoga in northern New York State. He’s a student of the French and Indian War and recommends Montcalm and Wolfe The French and Indian War by Francis Parkman, a book on his desert island list. Scott would rather be on a boat almost anywhere than laboring on the land; you’ll find him coastal cruising from Sag Harbor to Cape Cod Bay during the summer. To pass the star-filled nights aboard, he reads William F. Buckley Jr.’s Atlantic High, a delightful throwback to civilized life before technology made us permanently connected to every microsecond of the news cycle.
“We make a living by what we get, but we make a life by what we give.” —Winston Churchill
Chris understands how to connect with the families he advises. He knows that helping people manage their financial future is a deeply personal business. And he also understands that listening is essential because that’s how you learn what individuals truly care about and what they need. His approach has proven a winning one, as Chris has added many new families to his professional roster over the past two years.
A Georgetown University graduate with a Bachelor of Arts in Political Science, Chris brings a wide range of financial experience in addition to his wealth management expertise. He was Senior Managing Director and a co-founder of Bond Street Holdings LLC, a national bank holding company that bought distressed banks from the FDIC after the 2008 crisis. The banks were rolled into what became Florida Community Bank, which grew to $12 billion in assets before it was acquired by Synovus Financial Corp. Chris also has years of institutional investment management and banking experience developed working in New York City at Salomon Brothers, Lehman Brothers, and Toronto Dominion Bank.
Chris is a New York native who loves fishing for striped bass and catching the sunrise at Juno beach. He serves on the board of the Everglades Preparatory Academy, a public charter high school in Pahokee, Florida, and volunteers his time with various philanthropic entities. Chris lives in North Palm Beach with his wife Catherine, and their three young girls.
“Attitude means everything” —Anonymous
Russell understands the wealth management business from the inside out. Prior to advising families directly, he spent many years working as a consultant helping Financial Advisors determine the best retirement strategies for their clients. That specialized depth of experience helps Russell understand just how different each family situation is and informs the customized way he approaches each advisory solution today. He knows that having a positive attitude and looking for the greatest outcome is essential. No matter what the challenge, seeking the highest possible purpose makes all the difference.
The Winston-Salem, North Carolina native is a graduate of the University of North Carolina at Chapel Hill with a Bachelor of Arts in political science. Russell recognized his passion for helping people early in his career during his first job out of college as a personal banker. It was also at that job where he developed a lifelong zeal for investing. He most enjoys traveling and tasting great food from around the world. Russell’s favorite destination to date is Nice, France. A self-described Foodie, his favorite cuisine is Italian and expresso is a must have for getting his day started.
Russell serves on the Advisory Board of the Max Fisher Boys & Girls Club of Riviera Beach, an organization helping enable all young people, especially those in greatest need, to reach their full potential as productive, caring, responsible citizens. He and his wife, Sherrie, moved to Florida in 2008 and reside in Palm Beach Gardens with their three children who are his proudest accomplishment. Most days of the week, you can find Russell on the sidelines supporting his children in their respective sports.
“Nobody cares how much you know, until they know how much you care.” —Theodore Roosevelt
Michael created Gardens Wealth Management to provide an extraordinary level of service to families seeking financial advisory guidance. Rather than applying the “cookie-cutter” approach so prevalent in the industry, Michael ensures every financial decision is tailored to the unique situation of each client.
With one of the highest levels of transparency in the industry, Gardens Wealth Management families understand the strategy behind every method and receive extensive access to the details of their accounts.
With more than 21 years of experience in the Financial Services Industry, Michael is dedicated to helping individuals accomplish their financial goals by developing investment plans structured with their immediate needs, long-term objectives, and risk tolerance in mind. His extensive experience — gained, in part, through seismic shifts in the markets — enables him to assist families in the design of strategic portfolios that address their specific financial life goals.
Michael had the good fortune to begin his career as a Financial Advisor with PaineWebber/UBS, where he was a Partner with a successful and established Wealth Advisor. One of his greatest accomplishments during his tenure was to earn the designation of Certified Investment Management Analyst®. This advanced education provided him with valuable technical and fundamental insight into portfolio construction — something he still uses today while strategically managing families’ assets.
Michael eventually joined Citigroup Smith Barney as a Financial Advisor in North Palm Beach, but the volatility and impact of the 2000 technology bust and the 2008 global financial market crisis made him realize the need for Financial Advisors to work in an independent, impartial manner. This new passion led him in 2009 to establish a Private Family Office affiliated with Wells Fargo Advisors Financial Network known today as Gardens Wealth Management..
Gardens Wealth Management is rooted in the strong belief that investors deserve experienced, unbiased financial advocacy in a comfortable, private setting. Michael’s professional credentials include Certified Investment Management Analyst® and is a Wells Fargo Advisors Financial Network 2021 Directors Council Premier Advisor. The Premier Advisor distinction is held by a select group of Financial Advisors within Wells Fargo Advisors Financial Network as measured by completion of educational components, business production based on either of the past two years, and professionalism. Additional criteria, including length of service, may also be used to determine recipients.
Michael was born in Florida, speaks fluent Spanish, and currently resides in Palm Beach Gardens. Away from the office, he enjoys being active in fitness, boating, and travelling with his wife, son, and daughter.
One little-known fact about Michael is that as a young man he attended St. John Vianney College Seminary with the intention of becoming a priest. While life took him down another path, his vocation today is serving families with the greatest respect and highest integrity. This desire to serve can also be seen in his philanthropic efforts. He is the Board Chair of Seagull Services, a non-profit organization providing employment counseling and on-the-job training for people who face barriers to employment. He also sits on the board of the Goodwill Gulfstream Council.