Board of Directors

NAPFA provides support and education for more than 4,500 members all over the country and is governed by the volunteer board of directors and supported by four region boards. These volunteers include leading Fee-Only financial planners from around the country that are representative of the broader membership.

Natalie Pine, CFP®

Chair

Natalie's career in the financial industry has been marked by her extensive experiences in estate planning, tax avoidance, business valuation, and Medicare. Now serving as the Managing Partner, she began her journey at Briaud Financial Advisors as an Investment Analyst, and soon after obtaining her CFP®️ designation, she expanded her role to include both financial planning and wealth management. In 2011, she became a partner at the firm, and in 2020 assumed management of the day-to-day operations, ensuring an exceptional client experience.

Before joining Briaud Financial Advisors, Natalie gained valuable experience in New York and London, working for Davidson Kempner, a distressed debt hedge fund, and Goldman Sachs in the Mergers and Acquisitions department. Her diverse background has equipped her with a unique perspective that she brings to her work and her leadership roles.

Natalie is also deeply committed to her local community, having served on numerous non-profit boards, including as Chair of the Community Foundation of the Brazos Valley, President of the Brazos Valley Rehabilitation Center Board and Treasurer of the Prenatal Clinic Board. Her involvement in these roles highlights her dedication to service and leadership beyond the financial planning profession.

Joni Alt, CFP®

Immediate Past Chair

Joni is Senior Wealth Advisor at Evermay Wealth Management. Joni has worked for more than 30 years in the financial planning/investment management field and uses her drive as a continuous learner to find new ways to serve her clients.

Joni began her NAPFA volunteer service as a member of the Northeast/Mid-Atlantic Region Board as a way to give back to the profession. “Being part of the NAPFA Board will allow me to continue that path I began a few years back. This association has helped me connect with other liked minded planners, many of which are now friends and colleagues”.

Joni wants to “continue to give back to NAPFA community of professionals that have helped me so that I can help the next generation coming into this profession.” She is looking forward to focusing on member education, maintaining NAPFA’s reputation in the financial planning community, and remaining up to date on regulatory and public policy issues.

Michael D. Gibney, CFP®, CAP®, AIF®

Chair-Elect

Michael Gibney is a seasoned financial professional, currently holding the role of Principal and Wealth Manager at Modera Wealth Management, LLC. With over 20 years of experience in financial planning, preceded by 15 years on Wall Street, he’s a trusted advisor to clients nationwide. His expertise spans various aspects of financial planning, including retirement, estate, tax planning, and risk management.

Michael’s educational background includes a Bachelor’s in Business Administration in Management Information Systems from Pace University and a financial planning certificate from New York University. He holds the CERTIFIED FINANCIAL PLANNER™, Chartered Advisor in Philanthropy® (CAP®), and Accredited Investment Fiduciary® (AIF®) professional designations. Notably, he’s been quoted in esteemed publications such as The New York Times, The Wall Street Journal, Money Magazine, and USA Today, offering insights into personal finance and retirement planning.

His influence extends beyond his professional life, as he actively contributes to his community including leadership roles for the New Jersey Metro Multiple Sclerosis Society.

James J. Williams, CFP®, MBA

Secretary-Treasurer

James (JJ) Williams is the CEO and Founder of Williams Financial, LLC. With over 20 years of experience, he has built a team that is passionate about helping clients understand and play an active role in their financial planning.
JJ holds a business administration degree from Southern Vermont College, an MBA from the University of Massachusetts at Amherst, as well as a certificate in financial planning from Boston University. He has held multiple securities licenses, such as Series 7 and 63 and currently holds the Series 66 FINRA licenses. Before establishing Williams Financial, JJ’s career spanned various roles, from bank manager to marketing director, and overseeing operations, finance, and compliance as an independent broker.
He is an engaged educator, having taught business courses at Castleton University, Community College of Vermont, and Southern Vermont College. He has also held the position of Department Chairperson – Entrepreneurship at Hudson Valley Community College, a SUNY college.
Prior to joining the NAPFA Board, he served as a past Chair of the NAPFA Membership Committee and previously served as a board member for NAPFA’s Northeast Mid-Atlantic Regional Board.

Dr. Kristy Archuleta, Ph.D., LMFT, CFT-I(TM)

NAPFA Consumer Representative

Kristy L. Archuleta is a Professor in the Financial Planning program at the University of Georgia. She holds the Betsy Barnard Sages Endowed Professorship for Financial Therapy and Financial Planning. Prior to joining the UGA faculty, she was an Associate Professor and Director of the Personal Financial Planning program at Kansas State University. She co-founded the Financial Therapy Association, the Journal of Financial Therapy, the nation’s first academic program in financial therapy, the Financial Behavior Keynote Group, and Women Managing the Farm. Dr. Archuleta has garnered national and international attention as a speaker and author who has published numerous scholarly articles and co-edited two books on financial planning, financial therapy, financial counseling, and mental health. She serves on the Board of Directors for the National Association of Personal Financial Advisors, NAFPA’s Consumer Education Foundation, the Financial Therapy Clinical Institute, and two editorial review boards. She is commonly featured in podcasts and major news media outlets, such as the New York Times, Investment News, and CNBC, to name a few, and has won awards for her cutting-edge research. Dr. Archuleta received the Financial Therapy Association’s 2024 Hall of Fame and the 2023 Instructor of the Year awards. She also is a recipient of the Kansas State University College of Human Ecology Myers-Alford Outstanding Teaching Award and the Oklahoma State University College of Human Sciences Distinguished Alumna Award.

Ann Garcia, CFP®

Ann Garcia is a wealth advisor at The Mather Group. Her practice focuses on helping mid-career professionals balance competing financial objectives and transition successfully to retirement. Besides a dozen years as a financial advisor, Ann’s business background includes marketing and strategic planning in the technology industry and owning two businesses, a professional services firm and a wine importer/distributor. Ann holds the CFP® designation and earned her BA from the University of California, Berkeley.

As the author of How to Pay for College and The College Financial Lady blog, Ann has helped thousands of families save millions of dollars on college. Ann is regularly cited in national media including the New York Times, Wall Street Journal and US News & World Report.

Prior to joining the NAPFA Board, Ann served on the NAPFA West Region Board of Directors, leading Local Groups and Membership initiatives.

Evan Loomis, CFP®

Evan Loomis is a Senior Financial Advisor at Level Financial Advisors, where he helps individuals and families align their money with what matters most. He holds the CERTIFIED FINANCIAL PLANNER™ designation and a Master of Science in Financial Planning from Golden Gate University. With each client, he aims to bring clarity, strategy, and thoughtful guidance to even the most complex financial situations.

Before joining Level in 2025, Evan spent more than a decade in financial planning, including running his own firm, Loomis Financial Consulting. He has contributed to the profession through volunteer leadership, including service on the NAPFA West Region Board. He also supports global nonprofit initiatives through his work with The Phil Simon Clinic Tanzania Project.

A committed educator and mentor, Evan is an adjunct professor in the financial planning program at California Baptist University. His background also includes athletics and coaching as a former NCAA soccer player and nationally licensed coach with the U.S. Soccer Federation, shaping his team-first, goal-oriented approach.

Originally from Altadena, California, Evan now lives in Hemet with his wife, Tori, and their blended family of seven children.

Emily Jaffe, CFP®, CDFA®

Emily Jaffe is the President and Owner of OFC Wealth Management, a fee-only firm in Short Hills, New Jersey. She brings more than 15 years of capital markets experience and nearly a decade in financial planning, with expertise in investment strategy, retirement and estate planning, generational wealth, and divorce financial analysis.

A graduate of the Wharton School at the University of Pennsylvania, Emily began her career in leveraged finance at Citigroup, later serving as a Principal at North Sea Partners, a boutique investment bank. She transitioned to financial planning in 2016, earning her CFP® certification in 2018 and CDFA® designation to better support clients through divorce. She is also trained as a family law mediator and frequently speaks on financial empowerment.

Emily is a past president of NAPFA’s Northeast Mid-Atlantic Regional Board and an active volunteer with Savvy Ladies. She is passionate about advancing women’s leadership in the profession.

Justin Nichols, CFP®

Justin Nichols is a Managing Principal - Operations at CGN Advisors, a Fee-Only, financial advisory firm based in Manhattan, Kansas. In his role, Justin is responsible for advisor development and onboarding, as well as ongoing operations. An advisor since 2003, he loves developing long-term relationships with clients, and thrives off helping them realize their personal finance goals, such as paying off student loans or retiring early. Justin is skilled at simplifying complex topics, and his clients are grateful to have a trusted fancial partner who keeps their best interests at heart. He prioritizes listening to their concerns so they know their efforts will be collaborative, with full context and straightforward options that address all their questions and concerns.

Justin obtained a finance degree from Kansas State University and holds the CERTIFIED FINANCIAL PLANNER™ designation. With a passion for financial education, Justin has served in a number of roles with various organizations, including more than six years teaching as an adjunct instructor in Kansas State University’s Personal Financial Planning program. Justin lives with his wife, Edee, and sons, Nate and Luke, in Manhattan, KS. He enjoys traveling with his family, spending time at the lake, snow skiing, and playing tennis a couple times per week. He volunteers at his church, his son's 4-H club, as well as for GPN Alliance membership corporation and, of course, NAPFA.

Cheryl J. Sherrard, CFP®, M. A. in Gerontology

Cheryl is Director of Planning, a Senior Financial Advisor and part-owner at Clearview Wealth Management in Charlotte, NC. She has been an active member of NAPFA for over 20 years, serving on the South Region Board, various conference committees and the Leadership Development Committee. NAPFA has provided a way to learn from other like-minded advisors and through her volunteerism, it has provided the perfect way to give back to the financial planning community.

She focuses on assisting with later life decisions for aging clients, including women who are aging alone. She has become a vital resource to aging client families and other advisors across the United States, presenting at national conferences and speaking in the community on aging topics. She completed a M.A. in Gerontology to better understand aging and its potential issues.

Cheryl is also trained as a Stephen’s Minister to support those in crisis situations. The training taught her to use active listening and reflective questions to help others as they share their concerns. These skills help her as an advisor, where listening well is one of the greatest gifts she can give clients.