About the Team

Gary's primary focus for many years has been helping clients in transition. Whether it be the Life Event of retirement, sale of a business, the death of a loved one or any other life change, Gary has been a thinking partner with his clients in transition into their new post-Life Event lives. He is a Certified Financial Transistionist® CeFT™ and a Certified Financial Planner® certificant CFP™.

Upon graduating from the University of California Santa Barbara, he served as a Peace Corps volunteer in West Africa. Upon returning to the U.S., he entered the financial services industry and helped pioneer the fledgling financial planning movement. Gary is a Registered Investment Advisor.  He is the past president of the Financial Planning Association of the East Bay, served as a board member of Hospice of the East Bay Foundation from 2005-2014 and an Area Governor of Toastmaster International in 2015. He has participated on national advisory panels for institutional money management firms, provided analysis for television and radio, written articles and been interviewed for industry publications.

Gary and his wife of over 30 years enjoy traveling and being involved in their church. Gary also loves spending time with his 12 grandchildren and playing an occasional round of golf.

Volleyball has been a passion of Gary’s for his entire life. He played in college and coached off and on for 35 years. Most of his volleyball action today involves watching grandchildren play or whatever the DVR captures at home.

Janice Kelso has been with Life&Wealth® Advisors since June 2005, currently serving as the Director of Client Operations. She’s dedicated to ensuring that every client receives outstanding support and that operations run smoothly behind the scenes. Her focus is on creating a seamless experience for clients, from day-to-day interactions to long-term strategic planning.

Janice brings over 20 years of experience to her role, having worked in various leadership positions across different industries. Prior to joining Life&Wealth® Advisors, she managed a small technology firm and worked in leadership at a Fortune 500 insurance company, led several business units, managed telecom services, and oversaw project management, office design and build-out projects.

Her ability to balance operational efficiency with a personal touch has been key to strengthening client relationships and supporting the firm’s growth. Whether she’s solving a complex problem or ensuring clients are happy with our services, Janice’s goal is always the same: to make sure our clients feel heard, valued, and supported at every step.

When she’s not at work, Janice enjoys family, the outdoors, travel, and hiking daily with her dogs.