Jimmy Hernandez, RFC
FOUNDER & PRINCIPAL
Jimmy Hernandez is a financial expert from San Antonio, Texas. Raised in the area, he excelled in his studies and was named valedictorian of his class. After the 2008 market drop, Jimmy realized the importance of financial education and investment strategies to secure his retirement. This realization led him to pursue a career in the financial industry, where he has been since 2010.
Renee Chamberlain, FRC
Licensed Agent
Renee Chamberlain, Certified Federal Retirement Consultant, proudly works with federal employees around the country. Renee has been celebrated and widely recognized for her expertise in federal benefits and advising on how to maximize all options. Whether you’re ten years or ten weeks out from retirement, she will uncover any gaps and help you take control of your future.
Sylvester Gonzalez
Licensed Agent
As a dedicated Benefit Advisor with nearly five years of experience, I specialize in helping federal employees navigate their retirement options. At American Benefits Advisor, my mission is to educate government, federal, and state employees about their retirement benefits, ensuring they have a clear understanding of the Federal Employee Retirement System (FERS).
Bob Goldberg
Licensed Agent
With over 35 years of experience in retirement planning. Bob Goldberg specializes in guiding federal and state employees toward a secure financial future. His passion for helping individuals navigate the complexities of retirement is evident in his commitment to providing educational support and comprehensive roadmaps tailored to each client’s unique needs.
Glenn Thompson
Licensed Agent
For over 22 years Glenn has been involved in Retirement Planning for both the Government and Private Sectors.
Since 2010 his focus has been in the Federal and State retirement field. He is part of a national network of advisors who work with the employees of these agencies to bring cutting edge technology tools and advice to help prepare for a well-planned and successful retirement.
Richard Luna
Licensed Agent
Born and raised in the vibrant city of Los Angeles, Richard Luna has found his home in El Paso, Texas, where he resides with his loving family. Richard has dedicated himself to assisting federal employees in navigating their complex federal benefits system, ensuring a secure and prosperous retirement for them.
Jackie Briscoe
Licensed Agent & Medicare Specialist
A long time Houstonian who is a dedicated mother of a son and three granddaughters who are the love of her life. She attended the University of Houston where she majored in Communication and Speech. She is skilled in Medicare, life insurance products, market analysis and business development.
Strategic Alliances
MICHAEL BINGER, CFA®
President of Gradient Investments, LLC
As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.
KEITH GANGL, CFA®
Senior Portfolio Manager of Gradient Investments, LLC
Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, managed a Lipper Award-winning mutual fund, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.
KYLE BERGACKER, CFA®
Portfolio Manager of Gradient Investments, LLC
Kyle joined Gradient Investments in 2025 and has more than 15 years of financial services experience. Prior roles include portfolio manager with a couple of large international institutional asset management firms, also was an advisor with a retail wealth advisory firm. Kyle has developed experience with financial advice, asset allocation, and investment analysis across the asset spectrum. He is a CFA® charter holder and has appeared on the Schwab network.
Mark Perkins
Estate Planning Attorney at Law
Estate planning is a key element of a successful financial strategy. It ensures you will leave a legacy that provides for your loved ones by properly protecting and distributing your wealth according to your wishes.
Andrew Hernandez
Tax Expert, Enrolled Agent
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