Our Team Richard Pinion | MBA, CLU, ChFC, CFPTM firstname.lastname@example.org With over 25 years of experience in the Financial Services Industry, Richard L. Pinion is the President of his own firm, Pinion Financial Services, L.L.C.,* and a Branch Manager and Office of Supervisory Jurisdiction offering securities through SagePoint Financial, Inc. Mr. Pinion received both his B.S. in Business Administration and M.B.A. from the Kogod School at American University. He went on to become a Certified Financial PlannerTM (CFPTM). Mr. Pinion is also a Chartered Financial Consultant (ChFC) and a Chartered Life Underwriter (CLU). Mr. Pinion has been recognized by his peers with several industry awards including the SagePoint Financial Advisors, Inc. President’s Club, the Million Dollar Round Table, the National Quality Award, the Pacific Life Advisory Council Award for Outstanding Service, the ManuLife Financial Award for Outstanding Achievements and Leadership in Financial Services, and the Fidelity Investment Advisor/Council**. *A registered investment advisor not affiliated with SagePoint Financial, Inc.**Third-party rankings and recognitions from rating services or publications are no guarantee of future investment success. Working with a highly rated advisor does not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor of any client nor are they representative of any one client’s evaluation. These awards are based upon sales generated by advisors and is not based upon performance or returns experienced by any client or opinions of the advisor’s clients or former clients. Remedios Paredes Office Manager Raparedes@pinionfinancial.com Remy graduated from Lyceum of the Philippines University with a Bachelor of Science in Foreign Service. She has worked as an Administrative Assistant with the Department of Foreign Affairs in Manila and also with the Carter International Corporation as an Executive Secretary of the Vice President.Remy has been with PFS since 2002. In addition to seamlessly coordinating all aspects of our office logistics, Remy offers our clients the convenience of her Notary Public designation. Remy also works closely with PFS's CareFirst agents, providing the daily support that allows them to deliver a broad range of quality health insurance products and advice. Remy is not registered with SagePoint Financial, Inc., or Pinion Financial Services, LLC. Jiyang Liu Research Analyst Jiyang is a graduate of the University of Maryland, with a Master of Finance degree from the Robert H. Smith School of Business. Jiyang attained his undergraduate degree in Finance from the School of International Trade and Economy of Beijing International Studies University. Before joining PFS, he interned at Bayer China Limited and the Agricultural Bank of China.Jiyang joined PFS in early 2016, where his expertise in financial research & analysis has provided invaluable assistance to Mr. Pinion's client portfolio reviews. Additionally, he works closely with Mr. Pinion to ensure that every step of the financial planning process is communicated clearly and accurately to our clients. Jiyang is registered with SagePoint Financial, Inc., and in the process of registering with Pinion Financial Services, LLC. Sheila Pinion Managing Director Sheila@pinionfinancial.com Sheila is a graduate of American University with a Master’s Degree in Economics. Before joining PFS, Sheila’s focus was as a Research Analyst for several banks, including The World Bank, with strong emphasis on economic development. Sheila has been with PFS for over 15 years, and works as a general agent with CareFirst BlueCross BlueShield and has been a top ten producer with them for over ten years. Additionally, she oversees all operations of Pinion’s financial advising services. Sheila is not registered with SagePoint Financial, Inc., or Pinion Financial Services, LLC. Megan Marjan Moshayedi Director of Human Resources Marjan is a graduate of Harvard College and also has a Master's degree in Philosophy as well as a J.D. from the University of Chicago. She has been with PFS since 2007, originally as Data Manager, focusing on the optimization of information management systems in order to maintain our high standards of quality and accuracy. She now works as a consultant on special projects as well as coordinating our staffing needs. Marjan is not registered with SagePoint Financial, Inc., or Pinion Financial Services, LLC. Ruth Reagan PAHM,DIA Broker Representative Ruth.Reagan@pinionfinancial.com Ruth brings to Pinion Financial Services a wealth of experience in all aspects of the health insurance business. She joined PFS in 2020 and is using her extensive expertise to lead our broker services, education, and recruitment, as well as servicing our individual and group health insurance clients. Ruth has worked in the past as a dedicated agent herself, as well as an independent agent, and most recently for 7 years as a Senior Broker Representative in the Individual Market and as a Small Group Renewal Representative, and previously for over 17 years as an Individual Market Product Specialist, for CareFirst BlueCross BlueShield. Ruth is fully licensed as a health, life, disability, and annuities agent in the states of Maryland, Virginia, the District of Columbia, and Pennsylvania. She is also certified to sell Medicare Advantage Plans. Ruth has earned the PAHM® Designation (Professional, Academy for Health Care Management) as well as the DIA Designation (Disability Income Associate). Ruth is not registered with SagePoint Financial, Inc., or Pinion Financial Services, LLC.