Who We Are

Stewart Ogilby
Stewart Ogilby
Investment Fiduciary

STEWART OGILBY

Stewart bears the legal responsibility to clients and potential clients as a fiduciary. He does not sell investments on a commission basis. If you haven't watched this before, learn: The Difference Between a Broker and a FIDUCIARY. Stewart also carries insurance licenses in several states including Ohio and Florida, states in which he has been licensed since 1975 and 1987 respectively.

Having grown up on a family farm, Stewart graduated near the top of his class at Hudson High School in Summit County Ohio. Following U.S. Naval Air Reserves service he earned a B.S. degree from Ohio State University. A short personal biography can be found at StewartOgilby.com.

After working sixteen years with corporations, although having moved into top management, he decided to work for himself. His firm, located in Worthington, Ohio became one of the country's leaders in marketing fixed annuities, products designed to be a reliable means of securing a steady cash flow during retirement years and to mitigate the risk of outliving one's assets (longevity risk).

He taught dozens of consumer-oriented licensed agents on how to use Section 1035 of the Internal Revenue Code to financially benefit their clients. Following a favorable review in Life Insurance Selling magazine (to his surprise) of his trade book thousands of copies were bought by agents and agencies nationwide.

Stewart's primary goal today is to help persons who are retired (or who are planning their retirement) protect assets and incomes in today's problematical financial environment. He enjoys helping working persons and their families, as well as advising persons who have inherited assets that they intend to protect and grow in value.

A Sarasota resident since 1986, Stewart has been a member of Manasota Mensa, on the faculty advisory committee of Manatee Technical Institute, a member of the Citizens Advisory Committee of WSLR Radio, and a member of the Sarasota Sailing Squadron.

Shortly after settling in Sarasota he contacted Henry W. Abts, author of The Living Trust. He familiarized several attorneys in Sarasota with documents and software prepared by Henry's company located in Reno, Nevada and referred new clients to them. He collected pertinent client data and helped the attorneys' clients to fund their trusts. Since Henry's death in 2010 Stewart has continued to refer trust inquiries to the Nevada office without compensation, consistent with his desire to provide appropriate financial service. His online article on living trusts is reproduced on this website.

When Lehman Brothers' Financial Freedom division launched its campaign to market the FHA insured reverse mortgage (HECM) the product was met with skepticism. Many persons in the financial area who ought to have known better referred to it as "abusive" or even "questionably legal". After studying the product Stewart recognized it to be an invaluable financial planning tool when used, not to help salesman line their own pockets, but for financially struggling senior homeowners who have no better alternative to enable them to remain in their own homes for the rest of their lives, free from ever again having to make mortgage payments. Together with his business colleague, Sherri Urfer, they were able to help hundreds of seniors throughout Florida. Today the reverse mortgage, when used appropriately, is recognized to be a hugely valuable financial planning tool. As every financial product, it must be sold properly, not merely to generate commission income.

Stewart has never been sued, censored, or been the subject of any regulatory investigation or disciplinary action.


Sherri Urfer
Sherri Urfer

SHERRI URFER

Executive Administrator

Sherri Urfer has worked with Stewart Ogilby for a number of years. Before home values crashed in 2008, together they facilitated transferring millions of dollars of what Stewart called "phantom equity" into senior homeowners' bank accounts. Substantial cash proceeds improved retirement finances for hundreds of seniors throughout Florida. Mortgaged homes of many cash-strapped seniors were saved from foreclosure. Homeowners retained title to their properties and mortgage payments were permanently eliminated.

Although home prices had soared many eligible elderly persons hesitated, years ago, to consider reverse mortgaging despite the fact that doing so would have been life-saving for them financially. At the time, many uninformed persons were calling reverse mortgages "risky" or "controversial". Today reverse mortgages are used, when appropriate, as standard financial planning tools.

Sherri holds Florida's 2-14 insurance license and handles applications, underwriting, and paperwork involving annuities and life-insurance, products that supplement, when appropriate, portfolio investments. Also a Florida licensed real-estate sales agent, Sherri is familiar with the local housing market.

Originally from Michigan, Sherri has been a Sarasota area resident since 1975. She is the mother of three grown children.


AFFILIATES *


Phillip G. Day
Phillip G. Day

PHILLIP G. DAY, JD, LL.M, MBA, CPA/PFS, CFP®

Attorney, Accountant, Certified Financial Planer

Phil brings a unique background to his clientele in what he calls the “triangular” approach to client service: utilizing his professional credentials in law, accounting, and financial services including his academic achievements.

He represents his clients with professionalism and compassion in all matters, whether substantial or modest, complex or simple. The foundation for his success is not only his knowledge and expertise in the law, but also in his ability to build personal relationships with his clients.

Before beginning his own practice, Phil worked as an attorney with a large and prestigious law firm in Tampa, a “Big Six” accounting firm, a multi-million dollar closely held family business and a large and highly recognized national bank.

The needs of clients are varied and Phil prides himself on giving each client the confidence that he or she will be well advised. In addition to acting as a client advocate, Phil also serves as trusted advisor and friend. His clients soon learn that they can turn to a single source for thoughtful, well-informed guidance.


Dave Silver
Dave Silver

DAVID SILVER

Medicare and health-insurance agent

Dave Silver specializes in working with people who have Medicare, or about to get Medicare in the State of Florida. The focus of Dave's practice is Medicare.

Dave has helped thousands of people in this area. His overall knowledge of Medicare and specialized experience separates him from the majority of other health insurance agents. In giving seniors the facts, he strives to keep things simple to eliminate the confusion of Medicare while offering objective advice.

Dave been a resident of Florida for over 15 years. He and his wife, Tami, and son, Jack, live in Lakewood Ranch.

* Affiliates are individuals with whom we associate who may be contacted to independently provide professional services for clients of Wisebird Financial Group. It is understood that clients are encouraged to do their own due diligence on each and every affiliate. The reputation of none of the parties reflects positively or negatively on another party's reputation or quality of service.

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