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Meet The Team

Rachel Freeman
Operations Manager, Financial Educator

A Sacramento native, Rachel Freeman studied Jazz Trumpet Performance and Music Education at California State University, Sacramento. Before joining the Smart Investor team, she worked at Apple, Inc., repairing client relationships and iPhones, iPads and Macs at the Genius Bar. Building on 10 years of experience as a music educator, combined with her affinity for technology, Rachel provides innovative client support and financial education solutions to all of our clients, bridging the gap between investors, their dependents and beneficiaries; children, grandchildren and great-­‐grandchildren.

In her free time, you can find Rachel golfing, playing music, and spending time with her wife Torre and their energetic Viszla, Harriet.

Education
• B.A. Jazz Trumpet Performance, California State University, Sacramento
• B.A. Music Education, California State University, Sacramento

Tracy Gunter
Retirement Plan Specialist

Tracy Gunter serves as Smart Investor's lead advisor in providing one-­on-­one retirement plan participant investment advice. In this role, she works with and advises individual plan participants to help them achieve their financial retirement objectives. She is passionate about helping retirement plan participants make their retirement better.

Previously, Tracy worked as a benefit specialist with a major California union client, helping union members with their benefit choices and trouble-­shooting benefit issues. She has a B.A. in business administration from Chico State University, a certificate in personal financial planning from UC Davis Extension, and her California life and health insurance license.

Tracy lives in Auburn, CA. She has two children and enjoys hot yoga, hiking, and keeping in touch with family and friends.

Education
• B.A. Business Administration, California State University, Chico

Professional Designations & Registrations
• CERTIFIED FINANCIAL PLANNER -­ CFP® Professional
• Accredited Investment Fiduciary Analyst®

• FINRA License Series 66
• Investment Advisor Representative

Allan Henriques
Chairman of the Board

Allan Henriques established Smart Investor in June of 2001 and currently serves as Chairman of the Board Officer for the firm.

Allan is a former attorney, a Registered Financial Consultant (RFC) and Accredited Investment Fiduciary Analyst®. He works with individual and institutional clients throughout the United States. For over 25 years, Allan has drawn on his legal and financial services experience to help clients meet their financial objectives while legally reducing potential tax liabilities and protecting their estate values. His professional mission is to assist his clients achieve financial security and live a financially balanced life.
In his free time, Allan enjoys traveling and spending time with his five adult children and fourteen grandchildren.

Education
• B.A. Political Science, University of California Davis
• J.D. McGeorge School of Law, University of the Pacific

Professional Designations & Licenses
• Registered Financial Consultant
• Accredited Investment Fiduciary Analyst®
• Accredited Estate Planner
• Certified Investment Specialist
• Investment Advisor Representative
• California Life and Health Insurance License (License No. 0643743)

Michael Tudor
President, Chief Executive Officer and Chief Operations Officer

With a career rooted in the Qualified Retirement Plan industry, Michael Tudor, Smart Investor's President and Chief Operating Officer, is a Qualified Plan Financial Consultant (QPFC) through the American Society of Pension Professionals and Actuaries (ASPPA,) as well as an Accredited Investment Fiduciary (AIF®) through fi360. Michael is also the COO of Sloy, Dahl & Holst, a Portland, Oregon based Registered Investment Advisory firm. Smart Investor and Sloy, Dahl & Holst joined forces in 2017, bringing Michael's leadership and guidance to the Smart Investor team and client base.

Michael is passionate about making sure retirement plan participants and individual investors are meeting their financial goals, and are on track for a successful retirement. He finds that the typical 401(k) program lacks clarity, leaving the average investor feeling confused and disempowered. Michael is committed to ensuring that is not the experience of any participant within the Qualified Plans managed by Smart Investor.

Michael enjoys spending time with family and friends;; especially his wife Brittany and daughter Sienna. He's an avid golfer and a fitness buff, and once upon a time completed four half-­Ironman competitions.

Education
• B.A. Economics, University of Washington

Professional Designations & Licenses
• Qualified Plan Financial Consultant
• Accredited Investment Fiduciary ®
• Investment Advisor Representative

Luann Wallick
Lead Client Services Associate

As Smart Investor's Lead Client Services Associate, Luann Wallick oversees the establishment and maintenance of client and retirement plan accounts. She serves as a liaison with the various custodians used by Smart Investor, and assists the portfolio manager with daily account reconciliation, account downloads and trade processing. On a quarterly basis, Luann is an integral part of the preparation and distribution of the quarterly reports.
Luann brings to Smart Investor 20 years of financial services experience in all areas of administrative and operational responsibilities for both Registered Investment Advisor and brokerage firms.
A resident of Roseville, Luann enjoys spending time with her two sons, Colby and Dylan, and her grandsons Holden and Sawyer.

Paul Wedin
Financial Advisor

Throughout his collegiate career, Paul developed a strong background in economics, finance and marketing. Finishing at the top of his class in both his undergraduate studies at University of Wisconsin-Green Bay and graduate studies at Ashford University, Paul believes strongly that hard work pays off. He knows that it is crucial for individuals to invest properly in their future and he finds great satisfaction in helping others achieve their financial goals.

Born and raised in the Upper Peninsula region of Michigan, Paul has enjoyed all manner of outdoor activities from a young age. He is an avid golfer and skier and enjoys spending his free time backpacking and hiking. Shortly after completing his collegiate career, his love for the outdoors brought him to Portland, Oregon.

Education
• B.A. Economics -­ University of Wisconsin, Green Bay
• Master of Business Administration -­ Ashford University

Professional Designations & Licenses
• FINRA License Series 65
• Investment Advisor Representative

Jody Osceola
Director, Tribal Services

Jody joined the Smart Investor team in 2016. She combines her background with a degree in Psychology from the University of Miami with her experience as a member of the Seminole Tribe of Florida to provide holistic, current, and relatable education to the minors and members of our client Tribes.

Jody enjoys traveling and spending time with her son Ben and her two French Bulldogs, Penelope and Paisley.

Education
• B.A. Psychology -­ University of Miami



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What We Do

We listen, rather than talk.  We gain a thorough understanding of your future needs, concerns, opportunities and goals that have a financial implication.  We then use our experience and our team to design a unique investment or financial planning strategy that reflects your personal situation. More

Who We Are

Smart Investor is a unique wealth management firm based in Roseville, California.  We are an independent, fee-based registered investment advisor serving entrepreneurs, small business owners, and retirement plan sponsors and participants. More

Why We Are Unique

Everything that we do is in alignment with the best interests of our clients, including the fee-based approach to how we charge for our services.  We define ‘what we do’ in terms of meeting our client’s needs.  We define ‘how we do this’ in terms of leading-edge investment and financial planning strategies.  We are your key trusted advisor. More