Meet The Team

Leibel Sternbach, EA, NSSA, ChFC®, APMA®

Leibel's passion is helping people secure their financial futures for themselves and their loved ones.

Leibel is an Accredited Portfolio Management Advisor, and Enrolled Agent with the IRS, a National Social Security Advisor Certificate Holder, and a Chartered Financial Consultant through The College of Financial Service. dditionally, Leibel has passed his Series 65 and is a Life & Annuity Licenses holder. Leibel has gone through the Ed Slott Elite IRA Advisor program.

Leibel's advice has been featured on FOX, CBS, NBC, and Yahoo! Finance websites.


Timothy Clontz
Portfolio Manager

Tim, is one of our portfolio managers and a Financial Advisor. Tim has a Doctorate in Theological Studies from the Southern Bible Seminary and is currently the Director of IT Security for NAPA Services.

Clontz is an engineer by trade, and after years of following the "experts" and losing money in the market, Tim decided to apply his technical expertise to the challenge and created a set of AI strategies that have been successful at finding companies that have been wrongly undervalued by the market and are poised for a comeback.


Tamara Breitowitz
Financial Coach

As a financial coach, Tamara strive to help her clients take control of their financial futures and protect themselves from this great game we call life. Tamara firmly believes that while We can't control what happens in life all of the time, we can certainly make sure you have taken the right steps to ensure that you are prepared and protected. Tamara has her Life, Annuity, and Health Licenses and currently lives in Baltimore, with her husband Moe and their four daughters, Navah, Abbi, Kayla, and Caylee.


Ryan Borer, AAMA®
Portfolio Manager

Ryan brings over 17 years of industry experience as a registered rep, wholesaler, executive and manager. Ryan is the founder of Fusion Capital Management, our RIA. Ryan manages a number of the quantative strategies that we use at

Ryan is an Accredited Asset Management Specialist through the College of Financial Planning, and currently holds his Series 65 License. Mr. Borer has previously held his Series 7, 6, 63, and Life/Health/Variable licenses.


Taiber Kosmala & Associates
Chartered Financial Analysts

Taiber Kosmala & Associates, LLC is a leading provider of investment consulting services with a robust national client base representing over $8 billion in assets.

Taiber Kosmala's investment professionals have served investors ranging from small not for profits and affluent families to large sophisticated institutional investors.

The collective knowledge base, research, and investment approach of the firm's professionals is leveraged to develop, implement, and inform the investment models and strategies used by

To learn more about the Yields4U retirement planning process, click here.


50% Complete

Get The Latest Retirement Tips & Tricks from