Bobby Barnes has spent his entire career as a financial planner, which begin January 2001, with The Innova Financial Group. He started with the organization after graduating from Miami University with a BS in Human Resource Management while also holding down a starting position on the baseball team, winner of the 2000 MAC Championships. Bobby is a Certified Special Care Planner, and with recent changes in his family life with the birth of his children, he has become dedicated to assisting his clients take care of themselves, their families, and recently focused on assisting clients with special needs children. Bobby is a member of NAIFA, Clermont County Chamber of Commerce, and the Cincinnati Chamber of Commerce.
Bobby is highly involved in the community through the realm of sports and Cincinnati Children’s Hospital. Since graduating from college, he has been a summer baseball coach, most recently with the Cincinnati Flames. Recently Bobby joined the Cincinnati Children’s Hospital Champions program to assist parents with their experiences at Children’s Hospital.
Bobby currently resides in Maineville, OH with his wife Kathy, and his three children, JJ, Alexis and Chase.
“What you do unto the least of these, you do unto me” --Gospel of Matthew 25:40.
People with Development Disabilities, or an adult onset disability, need all the proper financial and legal assistance to protect their assets and enhance their quality of life.
- Government benefits eligibility for SSI and Medicaid.
- Review guardian arrangements, conservatorship, and client self-determination and advocacy issues.
- Determine appropriate funding/asset preservation vehicles.
- Develop a team approach with qualified attorneys and advisors.
- To develop a plan unique to your family’s needs.
- Is Veterans Administration Improved Aid and Attendance Income a consideration?
PRODUCTS AND SERVICES OFFERED
- Financial Issues and Strategies
- Securities Questions
- Protection Products/Insurance/Annuities
- Special Needs Trust Coordination
- *Special Needs Trust Funding Strategies
- Special Needs Trust Asset Management Strategies
- *Special Needs Trust Tax Strategies
- Medicare Parts C & D Issues
- *Medicaid Planning Issues
- Qualified Medicaid Funeral Trust Funding
- Veteran’s Improved Pension Income Issues
- *Tax Planners of America Affiliation
- Medicaid Qualified Funeral Trust
Not all products and services are offered by MassMutual
* These services are available through the team of professionals developed by the advisor including but not limited to: CPA's, Attorneys, etc.
- 30+ years in the Financial Services Industry
- 15+ years of focus in the Special Needs Community
- Chartered Financial Consultant (ChFC) and Elder Care case work with Attorneys and Qualified Providers.
- B.S. Ohio State University
- CLU and ChFC from The American College
- Autism Society of America: Greater Cincinnati Chapter, Board Member/ Past Treasurer/Ambassador
- Fishing Has No Boundaries: Southern Ohio Chapter Vice President
Author and Speaker:
“What’s in the Well Comes up in the Bucket:
Why the Quality of our lives depends on our thoughts and our reaction to the thoughts of others.”
“I am that..that is in the Well:
How your life is controlled by the Most Influential Person on the Planet: YOU”
I am available for speaking engagements dealing with:
The Need for Special Need Planning*
“Medicaid Issues and Strategies*
“Veterans Aid and Attendance
“History of U.S. Flags, with Flags!”
Chris Collier, CLU, CLTC
Chris Collier’s mission as a financial professional is to make a difference in people’s lives. Chris says it simply: “I help successful people keep more of the hard-earned money they make.”
In a world of confusing and often conflicting multi-media messages, Chris helps his clients make educated decisions – based on science and economics, not hype and opinion – to create effective, efficient and coordinated financial strategies. Successful people including attorneys, high-income executives, wealthy individuals, and business owners look to Chris for holistic strategies that efficiently provide financial protection, savings, and growth for their families and businesses.
A Springfield, Ohio native, Chris graduated from Wittenberg University in 1989 with a Bachelor of Arts degree in history and thinking about law school. Always an entrepreneur – delivering newspapers as a boy and holding a variety of sales jobs during school – Chris wanted a career that he could build as his own business with a focus on helping people improve their lives. Once he began working as a financial professional, Chris soon came to understand the enormous need for the services he could provide, and the value his planning could bring to his clients. Early in his career, Chris worked with a client on a family protection plan including disability income and life insurance. Less than a year later, the client was diagnosed with a brain tumor, and the insurance that he had put in place with Chris provided a much-needed income during his disability and a significant benefit to his family after his death. It was then that Chris realized the critical importance of his financial services role and the value he could bring to his clients.
Chris and his family – wife Katy (high school sweethearts!), and children Philip, Charley, Peter and Libby enjoy an active life as longtime Anderson Township residents. His work with individuals and families with special needs comes from his own life; as the parent of a teenage son with learning disabilities Chris was quick to recognize the importance of appropriate financial protection and educate himself so he could offer his expertise to others who may need it. When he’s not working or spending time with his family, Chris enjoys golf, tennis, photography and collecting baseball related memorabilia, and he’ll always make time to take in a Reds game.
As a Chartered Special Needs Consultant (ChSNC), Chris has seven years of experience in assisting families with financial strategies that address social, medical and legal issues of a family member with disabilities and other special needs. He has a thorough understanding of estate and tax planning concepts, special needs trusts, government programs, and the emotional dynamics of working with families that have special needs. In addition to individual consultation, Chris conducts educational seminars for families and providers so they are fully aware of the financial aspects of caring for an individual with a disability or other special needs.
It’s Chris’s firm belief that everyone deserves financial security. As a financial professional, he sees his job as helping people with integrated, coordinated strategies so they will have everything they could have, and their security isn’t left to chance. That’s how he can make a difference in their lives.
Craig began his career in the financial service industry in early 2000. After working in the industry for six years he decided to start an independent registered investment advisory firm in late 2006; where he won numerous awards and has been recognized by several financial companies as a leading advisor.
In 2008, Craig qualified for the Million Dollar Round Table (MDRT), recognized internationally as the standard of sales excellence in the life insurance and financial services business. Craig felt something was missing and that he needed to be a part of something larger, so in 2013 he joined The Innova Financial Group as a Managing Associate in the newly formed Columbus office.
During his career he has served on several committees for The Society of Financial Service Professionals and the National Association of Insurance Financial Advisors. He has continued his education by obtaining the LUTCF designation from The American College, finishing all course work for the Certified Financial Planner course and is currently completing his Chartered Financial Consultant designation.
When working with clients Craig’s goal is to construct a much more efficient and effective financial strategy to help insulate his clients from changes in global, national and personal economic or market conditions. Craig is always looking for individuals who want to join the financial services industry and share his passion to provide superior financial strategies and deliver comprehensive solutions for individuals and small business owners.
Craig and his wife reside in Central Ohio with their son and his family enjoys anything to do with Ohio State athletics. Craig enjoys giving back to the Central Ohio community in as many ways as his time allows. One of his most favorite ways to give back is taking part in the Special Olympics Summer Games held at the Ohio State University. Craig also volunteers his time to provide financial, credit and debt counseling to single parents and struggling families by working with the local Vineyard Community Church through free monthly clinics offered to church members and the community around them.
Daniel joined The Innova Financial Group in March of 2013. He graduated from The Ohio State University in 2010 with a degree in Family Financial Services. He was drawn to the financial services industry by his desire to educate families on how to reach their financial goals.
Daniel grew up in Delaware Ohio, where he graduated from Rutherford B. Hayes High School in 2001. He is currently living in the Columbus area, and enjoys spending time with his family.
Dave McConnell joined this firm in the fall of 2012. David is securities licensed and a CRIA member for MassMutual. David is a graduate from the Ohio State University. He married his beautiful wife Cindy in 1968 and has two grown children, both doing well in their occupations. Between his two children, David has 5 grandchildren. He currently lives in Westerville, Ohio. David is highly involved at St. Paul Catholic Chrch in Westerville, where he does Eucharist Minister & RICA. David is also involved in the Westerville, Sertoma Club, which he joined in 1996 and is currently the Program chair. David is also former Board Member of Syntaxis Youth Homes.
Ed has been a Financial Professional since 1995 and has the privilege of working with many other professionals at The Innova Financial Group. Chief among these are Asset Management Strategies, Financial Strategies, Estate Planning Strategies, Executive Benefits, Group Benefits, Qualified Plans, and Retirement Benefits.
Ed is committed to building long-term relationships with his clients and his community. He strives to help his clients by offering tailored strategies that are designed to help them prepare for their future. He has the tools and knowledge needed to develop and implement a personalized financial strategy.
Ed personally meets with his clients to ensure that he understands their needs and their complete financial situation before making recommendations. He gets to know the clients and their family to understand their financial goals so that he can provide a complete financial review. Then, he will review his financial recommendations with the client.
Through The Innova Financial Group and its many affiliates, Ed has access to a broad range of financial products and services which allows him to put his clients at the center of the strategic financial process. To ensure that the client is comfortable with the strategy and product choices, Ed works collaboratively with his clients through each step. Active participation is vital to the creation, implementation and success of a client's financial strategy.
Herschel Balkin has over 30 years of experience in the financial industry with clients from California to New York. He has extensive experience in and passionate dedication to the special needs community, and was instrumental in developing a foundation for severely and profoundly developmentally disabled children. He also specializes in meeting both the business and personal needs of his clientele.
Jay Tilton is the Director of Financial Planning for The Innova Financial Group, and has been with the company since 2003. He obtained his Bachelor of Arts in Economics with a concentration in Management from Ohio Wesleyan University. During his college years, Jay was an All-American and 4-time All-Conference golfer. Jay’s business skills, mathematics skills and economics education benefits our clients by helping them develop quality financial plans, and designing creative case strategies.
Jay grew up in the Greater Cincinnati area and currently lives in Evendale, Ohio with his wife Karishma and his son Neil.
W. Jeff Martin
W. Jeff Martin, CLU, ChFC is our Brokerage Director and brings 33+ years of industry experience including 23 of those in brokerage prior to joining Massachusetts Mutual Life Insurance Company in December 2006. Jeff entered the financial services industry in 1981 as an agent with Northwestern Mutual for 11 years and served as Brokerage Manager at Aetna for 5 years and Principal Financial Group for 10 years. He qualified as a Leading Brokerage Manager in 13 of his 15 years and finished #1 within Principal in 1999.
Jeff has served the industry as President of the Cincinnati Chapter of NAIFA in 1999-2000 and also served as the President of the Cincinnati Society of Financial Service Professionals (SFSP) from 2006-2007. He has written a monthly article for the NAIFA-Cincinnati newsletter as SFSP Financial Pro on industry topics and sales ideas since 1995. Jeff as also recently authored an article on ethics for the National Underwriter Co.
He is a Cincinnati native, growing up in Pleasant Ridge, attending Purcell High School and the University of Cincinnati. He lives in Mason with his wife Jody, a retired teacher. They have two adult daughters, Jamie and Jennifer.
Kevin Goins MBA
Kevin has been in the financial services industry for over 10 years in which he primarily specializes in Retirement and Financial Planning. He has also served as a Tenured Professor of Economics at Sinclair Community College in Dayton, Ohio. Kevin has a MBA from Xavier University and a B.A. in Banking & Finance from Morehouse College.
He volunteers his time and expertise in several local schools by assisting as a judge for various academic competitions as well as in serving as a presenter at a number of school career days. Kevin is an avid listener and collector of traditional jazz music and he also enjoys playing tennis. Kevin lives in Cincinnati with his wife Deanna, who also works in the financial services industry.
Larry E. Bowling
Wife: Marilyn, married 44 years
Children: Brent and Deron
Grandchildren: Conner, Riley, Benjamin, William, and Vivian
Education: Indianapolis University - Bachelor of Science
College: American College Chartered Life Underwriter (CLU) and Certified Family Business Specialist (CFBS)
MassMutual: Career Agent since August, 1970. Series 7 and 63 licenses since 1981.
Blue Chip Council: Qualified 5 times
Leader's Club: Qualified 19 times
MDRT: Lifetime Member
- Hamilton Citizen of the Year in 2006
- Hamilton City School District Athletic Hall of Fame in 2007
Present Community Activities
- Twenty-six year member of the Hamilton City Board of Education*
- First Baptist Church of Hamilton Trustee'
- Boys' and Girls' Club of Hamilton Advisory Board
- YMCA Central Branch Advisory Board
- YMCA Metro Facilities Committee
- Hamilton Planning Commission
- Hamilton Board of Zoning Appeals
- Hamilton Community Foundation Trustee
- Hamilton Community Foundation Professional Advisors Committee
- Hamilton Rotary Club
- Butler Behavioral Health Services Board of Directors*
Past Community Activities
- Ft. Hamilton-Hughes Memorial Hospital Board of Trustees
- Boys' and Girls' Club of Hamilton Board of Directors*
- United Way Board of Directors
- YMCA Metro Board
- Hamilton-Fairfield Jaycees Board of Directors*
'Currently serving, or served, as President.
Prior to joining Innova Financial Services, Linda was with Prudential Financial. Linda is dedicated to helping her clients achieve their personal financial goals. Toward this end, she develops customized strategies for their unique needs. She is an alumna of the University of Dayton, graduating from the School of Business Administration. She also holds security licenses as well as Life and Health and Property and Casualty licenses.
Based on experiences with family members, Linda has personally faced the challenges dealing with disability, the need for life insurance and long-term care concerns. Believing in the need for education, she speaks to women’s groups and other clubs about LTC, an insurance issue which is often misunderstood and undervalued.
Linda enjoys playing golf, reading, cooking and attending cultural activities, whether it be a comedy club, a street festival or a Broadway show. She is an active member of Fraudway Players and a past Board Member of the Contemporary Dance Theatre. Her passion is her family…her three grown children and her husband. She and Tom live in Mason with their cat, Leo.
Michael joined Innova Financial group January of 2012. Michael is a graduate from Lakota West High School and is currently attending Indiana Wesleyan University where he is completing his bachelor’s in Business Administration. After high school Michael joined the Marine Corps Infantry and completed two combat tours to Iraq. For his actions on deployment he was awarded the Navy Achievement Medal with a combat distinguishing device. He is currently specializing in working with centers for higher education, civil service employees and veterans.
Michael currently resides in Loveland, Ohio and is a single father of a 3 year old boy.
Rodger Biddle MBA
Rodger joined the Innova Financial Group in November 2010 after starting his career in financial services industry with Prudential Financial. He obtained his baccalaureate degree from Northern Kentucky University along with a minor in Marketing and followed up with the completion of his master’s degree from Indiana Wesleyan University.
Rodger uses his knowledge and resources to help protect families, as well as small and medium businesses, reduce their tax liability and protect their family and business through specifically designed and implemented strategies.
Rodger has an extensive knowledge and expertise working with the owners/principals of auto dealerships focusing specifically on succession planning with great understanding of the family dynamic and tax-efficient exit plans.
Rodger is actively involved in or a member of:
- Greater Cincinnati Automobile Dealers Association
- Automobile Dealers Association of Indiana
- Northern Kentucky Chamber of Commerce
- Cincinnati Chamber of Commerce
- Legacy Leadership of Northern Kentucky
- Kicks for Kids - Junior Board Member
- Cystic Fibrosis Foundation – Cincinnati Chapter
Rodger, a lifelong resident of Northern Kentucky, resides in Union, Kentucky with his wife, Les Lee and their two children, Gaven and Harper.
Ryan joined The Innova Financial Group in August of 2012. He was born and raised in Cincinnati, graduating from Archbishop Moeller High School in 2005. His business background, combined with a strong desire to help individuals protect their financial future is what attracted Ryan to Paragon. He strives to build lasting relationships with all his clients and provides them with unparalleled support.
In his free time, Ryan coaches the Cincinnati Sluggers, a high school aged baseball team in the area and also enjoys Ohio State football, golfing, attending Reds games and relaxing with friends and family. Ryan and his wife, Erica, reside in Liberty Township, Ohio
Michael J Sacher
Since his graduation from the Max M. Fisher College of Business at The Ohio State University in 1998, Michael has committed himself to the financial services industry. Michael began his career in Cleveland, Ohio with Guardian Life as a personal producer and after 3 years, he began taking on an additional role as a Sales Manager. Thus began his passion for helping to build and develop new Associates of the firm. Having built a successful career in Cleveland, Michael felt it was time for a change, and moved to South Florida to become the Managing Partner of an Agency with offices in Miami, Hollywood, and Boca Raton. After 6 consecutive years qualifying for both Guardian's Leader's Club Council as a Producer and the Presidential Citation Award for excellence in Management, Michael opted to leave South Florida and come back to Columbus and begin the next phase of his career.
In the beginning of 2009, Michael began building his own organization from scratch, The Innova Financial Group, and then in September of 2011, merged his organization with (and took on the name of) the local General Agency in Cleveland. While there, he qualified annually thru MassMutual Life Insurance Co. for the Sales Manager Summit, Leader's Club, and the prestigious Management Council.
Michael was appointed as the General Manager of the Cincinnati, OH office of MassMutual in 2013. While bringing his areas of expertise to the people of southern Ohio, Michael is constantly looking for quality people to join his organization, and help build and develop the needs of the community around him. He enjoys playing golf and soccer on a regular basis, as well as participating in various philanthropic endeavors. Michael most recently served as the Chairman of the Finance and Accounting Board for the Greater Miami Jewish Federation. In addition, he has been active raising money for numerous schools in the area, the Israeli Defense Federation, Hoops for Soups, and in his local J.C.C. Michael and his wife, Theresa (who is a Certified Dietitian and Nutritionist), used to enjoy doing a lot of things, however their current passions include going anywhere with a swing and slide, the zoo, play-doh and watching episodes of The Little Einstein's, all with their toddler, Lily.
Tim started in the financial services industry in 2007 with Prudential Financial where he served in a role as a Financial Services Associate until 2010. Tim was then promoted to Manager, Financial Services and ran a detached office in Louisville, Kentucky for Prudential. In September 2010, he was offered and accepted the position of Vice President of Sales for The Paragon Financial Group. Before serving in the financial services industry, Tim worked in manufacturing for over 20 years and understands the need for helping individuals protect their families as well as help them achieve their retirement goals. Tim is a 1984 graduate of Elder High School and spent 13 years in the Ohio Air National Guard as a Radar Technician. Tim resides on the West side of Cincinnati.
Thomas A. Billman, CLTC
Tom is a long-term care specialist who joined the firm is October of 2012. He started his financial services career in 2001, and has achieved recognition as a “Leader’s Club” qualifier in 2005, as well as a member of The Million Dollar Roundtable. Tom has distinguished himself as one of the top experts in long-term care in the country, and is skilled in communications and human relations. He has a BA from Purdue University and his passions include spending time with his wife Linda, their 5 children, and 2 grandchildren, volunteering at church and playing golf.
Tyler focus’s his practice on accumulating and protecting his client’s personal wealth as tax favorably as possible. He works with successful individuals and businesses to implement a customized strategy to help reach and achieve their financial goals. A few focal points for Tyler’s proactive include:
- Retirement plans for small businesses
- Executive/Key Employee Tax Efficient Strategies
- Asset Protection & Legacy Planning Strategies
- IRA’s/Brokerage Accounts/Managed Money
Tyler is a graduate from The Ohio State University with a degree in personal finance. He resides in Hyde Park and enjoys spending time with his family and friends, traveling, hunting and fishing, exercising, and Ohio State Athletics. He is currently studying to achieve his CFP designation.
Mark joined The Innova Financial Group as a Financial Services Professional in January 2014, as a career change. Prior to joining our group, Mark was a manager for 17 years in both production and distribution facilities in Northern Kentucky. Mark is also a business instructor at Beckfield College, where he has been teaching since 2008. He obtained both his Baccalaureate Degree and Master’s Degree from Thomas More College specializing in Business Administration.
Living in Boone County Kentucky all of his life, Mark understands the needs and wants of Northern Kentucky residents. Mark uses his knowledge and resources to help protect families and businesses.
Mark is actively involved in the youth of Northern Kentucky. He has been teaching Junior Achievement for the past three years at New Haven Elementary to various grade levels. Mark is also an archery coach at Gray Middle School and member of the New Haven “Tiger Dads”. He is also a youth instructor at his local church, a lifetime member of Delta Epsilon Sigma, and an active member of Boone-Union #304 Free & Accepted Masons and the Northern Kentucky Chamber of Commerce.
With this deep-rooted connection to Northern Kentucky, Mark understands the needs and wants of the local communities. When you meet Mark, you will know that Mark’s approach is one of honesty and sincerity. Mark takes pride in being from Kentucky, and takes ownership in all that he does. Putting himself through college, Mark developed the drive and desire to help all of those he encounters.
Mark resides in Walton, Kentucky with his very supportive wife Wendy and their four sons Tyler, Jared, Thomas, and Jordan.
With over 15 years of industry experience, Rich joined The Innova Financial Group in the fall of 2013. He works with families to help accumulate wealth, protect assets, and transfer wealth from one generation to the next.
He comes to The Innova Financial Group from Touchstone Investments where he served as a Mutual Fund Wholesaler. Prior to Touchstone, he worked in National Accounts for Protective Life, working within the Broker Dealer community specializing in life insurance and annuities. Before starting his career as a Financial Professional, he was a Tennis Professional, teaching tennis and managing tennis clubs.
He is happily married to his wife Kathy, who is a teacher at Cincinnati Country Day School. They have 3 children; Abby, Annabel and Trey, who attend Cincinnati Country Day School as well.
His family is very active and likes to spend time outdoors, participating in tennis, golf, soccer, swimming and vacationing in Florida.
Rich is a graduate from William Carey College in Hattiesburg, MS with a degree in Finance.
He looks forward to working with you and your family to help accumulate wealth, protect your assets and to make you financially secure for generations to follow.
Atal brings his clients over ten years of experience in the financial services industry. His work has always been with developing personal, customized strategies for his clients, and understanding their unique situations by focusing on their macroeconomic financial well-being. After spending a few years as a mortgage broker, he joined Citigroup Global Wealth Management in 2003 where he helped clients in the high net worth private banking group. His experience there ranged from compliance, training, trading, and managing brokerage/retirement accounts. In 2009, he left Citi and began Lotus Consultants, an advisory for Small Business Owners who struggled with the recent downturn in the economy. He continues to enjoy working with business owners, and individuals who share a passion for entrepreneurship by helping them overcome the challenges they face in any economic climate.
Ron recently joined The Innova Group and is focusing his practice on the needs of attorneys in small firms and solo practitioners, and working with other small business owners.
Ron is a graduate of Kenyon College, and he earned his JD at the University of Cincinnati, College of Law.
Ron lives in the northern suburbs with his wife and two sons. His boys are involved in travel hockey, and Ron is extremely involved in the development of hockey in the Cincinnati area. When not at the rink, the boys make time for lacrosse and kayaking near their cottage on Georgian Bay.