Your Financial Freedom Team
Meet the people who help make the magic happen and help us on our mission to help one million people retire with confidence and financial security. Please note, with the exception of Leibel Sternbach, these are all independent contractors, vendors, or strategic partners that work with Yields4U on our mission to help one million people retire with financial security.

Leibel Sternbach
EA, NSSA, ChFC, APMA®
CTO, Fusion Capital Management

Ohan The Money Doctor
Kayikchyan Ph.D., CFP®
Financial Coach & Educator
Founder, OhanTheMoneyDoctor.com
Ohan is a former Wells Fargo private banker in LA, with 15+ years in the financial industry. Ohan has worked with self-made millionaires observing their money handling and investing habits.
Today Ohan works with individuals to help them take control of their finances.
Portfolio Management Team
Creating low-risk, low-volatility retirement solutions is a full-time job. At Yields for You, we work with a team of money managers and traders to help create for you the ideal investment experience - designed for your peace of mind.

Timothy Clontz
Portfolio Manager

Ryan Borer, AAMS®
Portfolio Manager
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Smooth Sailing Indexes
Smooth Sailing Indexes, Inc. provides tactical indices that seek consistent rewards while reducing risk to financial institutions and their clients.
The two principals of Smooth Sailing Indexes have a combined 62 years of experience in the financial services industry. The logic of each index is designed to be “all weather” in nature. In other words, navigate through various market conditions and deliver consistent returns over market and business cycles - hence, "Smooth Sailing."
Operations Team
These are the people who do that day-in and day-out work that is required to keep Yields for You running.
Moe Breitowitz
Senior Trader. Moe and Leibel have been business partners since 2009. Moe handles all the trading for Fusion Capital Management which does the trade execution for Yields4U.
Fusion Capital
Fusion is the FinTech firm and RIA that provides the software platform and back-office services for Yields4U clients. Leibel is a minor partner in Fusion.
IO Melville
The Intelligent Office team in Mellville, NY are indispensable. They answer the phones, confirm appointments and handle a lot of routine office work that is needed to keep Yields4U running.
Mike Zaccardi, CFA, CMT
Mike is a Freelance Financial Writer at SoFi & Ally who co-writes with Leibel Sternbach the Yields4U weekly retirement blog and market updates.
Freddie Bell
Freddie is the co-host of the "Leibel on FIRE" show. Among his many accomplishments, Freddie is also the host of the nationally syndicated radio show "New Beginnings."
Brad Sterling
Brad and Leibel have been working together since 2009. Brad is the editor and producer of the Leibel on FIRE show. Brad is the founder of Radio Show Pro Inc.