A Message from the Founders

After years of experience working with firms in both the investment and insurance fields, we felt that only a team who had the knowledge and ability to operate independently and offer both investments as well as insurance solutions could be a true Fiduciary and would thus be able to offer complete retirement planning to clients. 

Meet The Prosperity Advisers Team

At Retirement Prosperity Group we have partnered with World Class Money Managers from Gradient Investments. These money managers bring over 75 years of institutional investment experience and having managed money in both bull and bear markets they are well suited to offer diversified solutions for clients who want their assets actively managed in today’s volatile market. Whether your investment goal is preserving principal, maximizing income or accumulating capital, our investment team has carefully designed a strategy to achieve your long-term investment goals.

Gradient Investments, LLC is a fee-only, SEC registered investment advisor. They have a fiduciary obligation to act in your best interest. In 2014 Gradient Investments was named one of the 50 fastest growing RIA firms in the country with over $900 Million under management.

Daniel Barram RICP®
Co-Founder & Investment Advisor Representative

Daniel is a Retirement Income Certified Professional® and a Case Design Expert. Daniel oversees the proprietary client plans we use in the Retirement Prosperity Roadmap™ process and directs the Case Design Team at Retirement Prosperity Group, which consists of Investment Advisors, CFPs and CPAs.

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Investment Advisor

Ed Rivas – Retirement Income Specialist® & Chartered Financial Consultant®

Ed has been helping individuals and businesses with their planning needs since 1980.

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Wayne Schmidt CFA®
Chief Investment Officer

In October 2008, Wayne Schmidt joined Gradient Investments, LLC and serves as Chief Investment Officer. With 30 years of investment experience, Wayne brings decades of institutional experience and in-depth knowledge of the private client market to Gradient Investments, and offers a global investment management perspective. 

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Michael Binger CFA®
Senior Portfolio Manager

Michael Binger, CFA®, serves as the senior portfolio manager for Gradient Investments, LLC. Binger brings over 25 years of institutional equity investment experience to Gradient Investments and its affiliated advisors and clients. He has extensive experience working directly with financial advisors designing and actively managing portfolios. 

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Mariann Montagne CFA®
Senior Investment Analyst

Mariann Montagne, CFA serves as a Senior Investment Analyst for Gradient Investments, LLC. She has 20 plus years of working with both institutional and high net worth clients and has amassed a strong breadth of investment experience in her tenure. This experience includes company and industry sector analysis, risk monitoring and portfolio management in both the equity and fixed income markets. 

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Get in touch

The team at Prosperity Advisers will always have time to listen to your challenges and discuss the options to safely map your retirement strategy. For direct questions, fill out the form or contact us by phone.