Michael A. Cirino, CLU, ChFC®
One Independent Drive, Suite 2901
Jacksonville, FL 32202
904.380.4023
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About Us

Financial Planners

Michael A. Cirino, CLU, ChFC®
Financial Planner

Email Address

Mike.Cirino@LFG.com

"I can help provide specialized solutions to your complex financial problems."

Since 1984, Mike has specialized in analyzing the most difficult financial problems on both a personal and business level for affluent individuals, successful executives, professionals, and owners of closely-held businesses. He has particular expertise in wealth management including estate preservation and business succession planning.

Mike offers tailored financial planning solutions for individuals and their families with a commitment to excellence while providing in-depth analysis and projections, empowering his clients to make timely, informed decisions about their financial future.

Together with the members of his staff, he has the expertise necessary to help solve complex financial problems, the resources to keep you informed as worldwide economic forces change, and the commitment to provide advice that makes a difference.

Mike is an active member of various professional associations including the American Society of Chartered Life Underwriters and the American Society of Chartered Financial Consultants. Mike earned his BS in Business Administration from Bowling Green State University.

 

Taylor D. Lloyd
Associate Planner

Email Address

Taylor.Lloyd@LFG.com

A native Floridian from a big family, Taylor appreciates – above all – the opportunity to help serve the communities that have surrounded him his whole life. He is an active member of various professional associations including Treasurer of Downtown Rotaract club of Rotary International, FSU Alumni Association, and North East Florida Builder’s Association. He earned his BS in Finance and Risk Management Insurance from Florida State University and is currently taking graduate courses to achieve a designation as a Certified Financial Planner.

Taylor has particular expertise in financial planning including investment planning, retirement income, and college funding strategies. These, and other financial planning solutions, are tailored specifically to every client. Taylor is committed to providing excellent customer service and in-depth analysis that empowers his clients to make timely, informed decisions about their financial future.

 

 

Carolyn and Kristin

Carolyn Ford
Practice Manager / Investment Coordinator

Carolyn joined Sagemark Consulting in July of 2003. She is a graduate of the University of North Florida with a bachelor's degree in Financial Services. Prior to joining my practice, Carolyn managed and interpreted personal trusts as a Trust Officer for a bank. Carolyn currently holds the FINRA Series 6 and 7 securities registrations. She speaks at national training programs for financial planning staff and writes articles for internal publications on the programs she utilizes to manage our clients' accounts. Carolyn works with several committees at Lincoln Financial Advisors to test new software and share her expertise in her area of specialty.

 

Kristin Gill
Insurance Coordinator / Client Service Specialist

Kristin joined Sagemark Consulting in December of 2012. She graduated Summa Cum Laude with Honors from the University of North Florida. She holds a Bachelor’s of Arts and Science degree in English. Kristin holds the Florida Life, Health, and Variable Annuity insurance license, as well as the FINRA Series 7 securities license. She has a strong background in management and customer service, making her passionate about going above and beyond to give our clients the best service experience possible.

 

Planning Department

Jane T. Johnson, CFP®
Director of Financial Advisory Services

Jane Johnson (pictured in the middle) specializes in comprehensive financial planning and estate planning for high net worth individuals and business owners. She also supervises one of Lincoln Financial Network's two planning centers, which provide financial planning and technical support to Lincoln advisors across the country. Jane joined the South Florida office of Lincoln Financial Advisors / Sagemark Consulting in 1992. In 1994, she was instrumental in the development of a local planning process and became the Regional Director of Financial Planning. In 2003, Jane relocated to the LFA/Sagemark office in Jacksonville, Florida. In 2008, she was promoted to the position of Senior Director of Planning. Jane has conducted training sessions to fellow advisors through the LFA / Sagemark University Masters Series, Fall Focus, and Summer Camps. Jane is a graduate of The College of William and Mary. She is a Certified Financial Planner, Chartered Retirement Planning Counselor, and a member of the Financial Planning Administration. Jane holds the FINRA Series 6, 7, 24 and 66 registrations in addition to the Florida Life/Health/Variable Annuities license.

 

Christopher Fromm, ChFC, CFP®
Director of Planning

Chris (pictured at the right) joined Lincoln Financial Advisors/Sagemark Consulting in 2001 and specializes in comprehensive financial planning for high net worth individuals with an expertise in estate planning. He currently holds the CFP® and ChFC Designations in addition to also holding the FINRA Series 6, 7, 63, and Florida Life, Health and Variable Annuity licenses. In 2008, he was promoted to Senior Case Manager. At that time, he also joined the Sagemark Private Wealth Services Group and served as an Advisory Specialist. In 2009, he was promoted to Director of Planning. He currently serves on several National Teams, including the Estate and Business Planning Committee, FCM Testing Committee, and also serves on the Lincoln Financial Network Team. Chris is a graduate of the University of North Florida with a bachelor's degree in Business Administration. Prior to that, he was a financial analyst at Merrill Lynch.

 

Fred Fedorowich, CFP®, CRPC
Director of Planning

Prior to joining Lincoln Financial Advisors/Sagemark Consulting in the fall of 2002, Fred (pictured at the left) gained valuable experience working as a Trust and Estate Settlement Administrator for Merrill Lynch. Fred is a graduate of the University of North Florida with a bachelor's degree in Business Administration and a minor in Psychology. He holds the FINRA Series 6 and 65 registrations as well as the Florida Life, Health and Variable Annuity license.