Board of Directors

Steve Craffen


Steve Craffen is a graduate of Stevens Institute of Technology and the recipient of an MBA in Finance from Rutgers. He began his career as an engineer, and later made the change to financial services. He joined Prudential in 1988, selling investment and insurance products. Dissatisfied with that approach, he became a financial planner and investment advisor, and in 1993 founded Stonegate Wealth Management, LLC. Based in Oakland, NJ, Stonegate has approximately $130 million in assets under management.

His service to NAPFA and the Northeast Mid-Atlantic Region Board includes involvement with the Region Conference Committee, Region Study Group, Board of Governors, Relocation Task Force and Ethics Committee. Steve also served as the 2012-13 Region Board President and the 2013-14 Region Board Chair.

Steve is a Chartered Financial Analyst® Chartholder, a Chartered Financial Consultant®, and a Chartered Life Underwriter®. Additionally, he received a Master of Science in Financial Planning with concentrations in estate and retirement planning.

Pam Poldiak

Treasurer / Secretary

Pamela “Pam” D. Poldiak, CPA, CFP® is a 1991 graduate of the University of Virginia’s McIntire School of Commerce. She specializes in working with young couples, dentists, physicians, and single women.

Pam earned a bachelor’s degree in accounting in 1991 and passed the CPA exam in 1992.

She has served as a speaker at several financial industry conferences on various topics, and has been quoted in many publications including The Washington Post, The Richmond Times-Dispatch, Smart Money, MSN Money, Research Magazine and Financial Planning Magazine.

Dave O’Brien


Dave is the co-founder of Evolution Advisers, a Fee-Only financial planning firm and a supplantation of O’Brien Financial Planning, which he started in 2006 after 18 successful years at General Electric. While at GE, Dave developed expertise in business and financial management, and was called on to provide business leadership and consulting on a global basis. This experience at one of the world’s best run businesses provided him with a depth of understanding on how to deliver successful results.

Dave received his bachelor’s degree and MBA from the University of Richmond, a Certificate in Financial Planning from Virginia Commonwealth University, and the ACCREDITED INVESTMENT FIDUCIARY™ (AIF®) designation awarded by the Center for Fiduciary Studies, which is associated with the University of Pittsburgh. Dave is often quoted on the subject of financial planning in The New York Times, Bloomberg, InvestmentNews, MintLife and other publications, and is a frequent speaker at industry conferences. Dave chairs the NAPFA Public Policy Committee and has served on the NAPFA Compensation Committee and the NAPFA South Region Board. He recently served on the CFP Board Compensation Task Force and CFP Board Professional Standards Task Force and is a former president and chairman of the Central Virginia chapter of the Financial Planning Association.

Sunit Bhalla

Sunit is the founder of OakTree Financial Planning, a fee-only firm based in Fort Collins, Colorado, that provides financial planning and investment management to engineers and other technology professionals.

Sunit received a Master of Science in Personal Financial Planning from the College for Financial Planning, a Master of Science in Computer Science from the University of Massachusetts, and a Bachelor of Science in Electrical Engineering from New Mexico State University. He previously worked as an R&D manager and software developer at Hewlett Packard and Agilent Technologies.

Sunit’s previous volunteer experience with NAPFA includes leading the Northern Colorado Study Group, serving on the Leadership Development Committee, serving on the Education committee, and speaking at five NAPFA conferences. As a Board member, Sunit will serve on the Leadership Development Committee and be a liaison to the Study Group Committee.

Ann Coulson

Ann Coulson manages L. Ann Coulson, Ph.D., CFP®, LLC, a Fee-Only financial planning practice. She also serves as a faculty member for Kansas State University where she teaches undergraduate and graduate level classes in financial planning. Ann received her bachelor’s degree in vocational home economics education from the University of Missouri-Columbia in 1974. She spent the next eight years working for utility companies in Arkansas and Missouri in a public relations/education capacity. She completed her master’s degree in operations management at the University of Arkansas in 1980 and her Ph.D. in human environmental sciences (family & consumer economics) at the University of Missouri-Columbia in 1988. In 1991, Ann completed the requirements for the Certified Financial Planner™ certification. From 1987 until 1996, Ann taught at Kansas State University where she was instrumental in the creation of Kansas State’s CFP® Board registered undergraduate program. While at Kansas State, she won the prestigious Conoco Undergraduate Teaching Award. Ann served as the director of the Institute for Personal Finance, an educational institution under the auspices of the Association for Financial Counseling and Planning Education.

Richard Feight

Rich Feight founded IAM Financial, LLC, a Fee-Only financial planning investment advisory firm in East Lansing and Grand Rapids, Michigan in 2007 with the goal of helping self-employed business owners and professionals organize their finances so they can retire on time.

Rich is a graduate of Michigan State University where he received his degree in Finance. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner and Enrolled Agent with the Internal Revenue Service.

Along with his duties on the NAPFA Board of Directors, Rich also serves on the Strategic Communications Committee of the Michigan Small Business Association. He is a former membership director for the Midwest Board of NAPFA, and a past president and chairman of the board of the Financial Planning Association (FPA) of Michigan. He's also a past president of Transportation Toastmasters Club 4776. He has been quoted in both local and national media, writes his own blog,, and contributes to,, and

Clarissa Hobson

Since 2001, Clarissa R. Hobson, CFP®, has helped clients achieve their financial goals, and particularly enjoys ensuring that her clients’ financial lives are organized and on track to meet their long-term objectives. As an advocate for educating individuals on financial topics, she has been quoted in a number of national periodicals including The Wall Street Journal, The New York Times, Kiplinger’s Retirement Report, Financial Planning Magazine, and Money Magazine, among others. She has also appeared multiple times on Wharton Business Radio’s Your Money program. Clarissa provides comprehensive financial planning and investment advisory services to clients at Carnick & Kubik, following years of providing retirement and employee benefits guidance for the Principal Financial Group and the AmSouth Bank Retirement and Trust Department.

She is a member of the City of Colorado Springs Investment Advisory Committee, and serves as Treasurer for TESSA’s board of directors. Clarissa is also a former board member of the Junior League of Colorado Springs, Early Connections Learning Centers, and the Financial Planning Association (Southern Colorado Chapter). Clarissa is a 2001 Magna Cum Laude graduate of the University of the South in Sewanee, TN. She spends her free time either with her husband Mike and daughter Charlotte, volunteering at Grace & St. Stephen’s Episcopal Church, or striving to improve her high-altitude baking skills.

Joel Isaacson

Joel Isaacson is the founder of Joel Isaacson & Co., LLC, a nationally known financial and tax planning firm based in New York, providing clients with comprehensive financial services. The firm is dedicated to assisting clients in managing risk and investments, improving cash flow, reducing or deferring income taxes, and preserving capital through estate and retirement planning.

Joel was educated at Lehigh University and Golden Gate University in San Francisco, and holds a bachelor’s degree in accounting and a master’s in Financial Planning. He is the former chairman, as well as the former president, of the New York Chapter of the International Association for Financial Planning.

Jennifer Lazarus

Jennifer is a CFP® and founder of Lazarus Financial Planning, LLC, an independent, fee-only firm based in Durham, NC specializing in the financial planning needs of enthusiastic socially responsible investors in their 20s to 50s. Her primary service is ongoing financial planning where she collaborates with her clients to develop and manage a tailored, cohesive financial strategy based on what matters most to them. Her investment recommendations include both Wall St and non-Wall St investments: progressive SRI mutual funds and impact investments. She most enjoys helping people reach a place of empowerment and financial calm.

She chairs the NAPFA Education Committee and serves as a liaison to the NAPFA Study Groups Committee. Her prior volunteer roles within NAPFA include columnist for the NAPFA Advisor magazine, co-Dean of NAPFA University’s School of Communication, presenter at NAPFA conferences, and serving as NC Triangle Study Group leader.

Karla McAvoy

As a Senior Financial Advisor and Principal, Karla focuses on providing financial planning services and retirement forecasts. Karla received her B.A. in Economics from the University of California at Davis and graduated with honors. She also received an MBA degree from Santa Clara University in 2001. She worked in the technology industry for about fifteen years, most recently for PeopleSoft, prior to becoming a financial planner. Karla works with families, young professionals, widows, and couples nearing and in retirement. Karla is also in charge of technology for the firm and is the Chief Compliance Offer.

Karla is an active member of both NAPFA and the FPA. She has served as a conference Chair for both organizations and continues for seek out ways to contribute and give back. She is also active in her community, volunteering time for her teenagers’ school activities and sports. When she has a free moment, Karla loves to read and watches more movies than she really should. She also enjoys travelling and is anxious to show her kids more of the world before they head off to college.

Danielle Seurkamp

Danielle Seurkamp is the Director of Financial Planning at The Asset Advisory Group in Cincinnati, Ohio. She advises and supports individuals and families at all stages of life. Her passion is to help people achieve and enjoy financial success by making the best use of their financial and non-financial resources. She has a Master’s Degree in Financial Planning and maintains three professional certifications as a CERTIFIED FINANCIAL PLANNERTM, a Master Planner Advanced Studies®, and a Certified Financial Behavioral Specialist®.

Prior to joining the Board of Directors, Danielle served on a NAPFA Conference Planning Committee, the Education & Professional Development Committee, as a book reviewer for NAPFA Advisor Magazine, as a panel speaker, as a volunteer for NAPFA/Kiplinger Maximize Your Money Days and she was honored with the 2017 NAPFA New Professional Award. She also volunteers for the Greater Cincinnati Foundation as a grant reviewer and founded a financial wellness program for Cincinnati’s Center for Respite Care to help people reestablish financial security and transition out of homelessness. She has been featured in the Wall Street Journal, Kiplinger, TD Advisor Solutions, Financial Planning Magazine, Nasdaq, CNBC, MSN Money, Yahoo Finance, ThinkAdvisor, and Investopedia.

Lydia Sheckels

Lydia is Wescott’s Financial Advisory Group's Chief Investment Officer – Emeritus, Partner, Senior Investment Strategist and Senior Financial Advisor. Lydia was the 2015-2016 president of the NAPFA Northeast/Mid-Atlantic Region Board and was also a member of NAPFA’s Leadership Development Committee. She also served on the NAPFA University School of Practice Management, and was a member of the organization’s Speakers Bureau Content Review Committee.

She is past president of the Philadelphia Chapter of the International Association for Financial Planning and past president of the Estate and Financial Planning Council of Southern New Jersey. Former president of the South Jersey Chapter of the Society of Financial Service Professionals, she has served as an instructor for the Chartered Financial Consultant (ChFC) designation courses sponsored by the Society. Lydia has also served as a member of the Financial Planning Association’s (FPA) National Ethics Committee, charged with investigating complaints and enforcing the FPA Code of Ethics.