Our Staff

steve2Stephen A. Stack

Master Certified Estate Planner®
Masters of Science in Financial Services
Chartered Financial Consultant®
Retirement Income Certified Professional®

Developing retirement and estate plans that provide peace of mind.

  • Steve specializes in financial and estate planning design for affluent business owners, farmers, and retirees in North Carolina. He draws on over three decades of experience to address financial and estate planning concerns that include:
    • Retirement Income Planning Even affluent Americans worry about running out of money. Utilizing his knowledge and experience as a Retirement Income Certified Professional® (RICP®), Steve shows his clients how they can generate income streams that cannot
      be outlived.
    • Income TaxesAs a Chartered Financial Consultant® (ChFC®), Steve understands how to use the tax laws to help his clients minimize their tax obligations.
    • Social Security Planning
      Certified in Social Security Claiming Strategies, “CSSCS”, Steve can evaluate all the nuances in the Social Security system to enhance your retirement planning.
    • Economic Uncertainty
      With escalating federal debt, inflation, a weakening dollar, geo-political instability, unregulated derivatives, and other economic worries, many are wondering how to insulate themselves from increased volatility. With a Master’s Degree in Financial Services (MSFS), Steve uses his knowledge and experience to identify alternatives to conventional asset allocation strategies.
    • Peace of Mind
      If watching the news causes anxiety about your finances, it is time to focus on wealth preservation and asset protection. Steve works with clients to achieve the seemingly elusive objective of peace of mind.
    • Estate Planning
      Affluent seniors need financial advisors that are competent analyzing and suggesting sophisticated estate planning and asset protection strategies. Steve is a specialist and helps his clients achieve the desired distribution of their estates to family members, churches, and charities in the most efficient manner.

    Experience

    Stephen Stack has more than 32 years of experience providing financial guidance t  affluent clients, including those with complex situations such as privately-held business ownership, appreciated farmland, foreign holdings, and potential estate tax liabilities.

    Financial Planning

    Steve’s agricultural upbringing, extensive education, and life experiences make him an ideal source for answers to your financial and estate questions. He provides those answers as part of the five-step financial planning process.

    Education & Credentials

      • Retirement Income Certified Professional® (RICP)
        Steve completed the three college level courses and multiple two hour exams that satisfied this designation in June of 2016. The RICP educational curricula is the most complete and comprehensive program available to professional
        financial advisors looking to help their clients create sustainable retirement income. These courses help advisors master retirement income planning, a key focus area not fully covered in other professional designation programs.
      • Master of Science in Financial Services® (MSFS)
        – Steve earned his MSFS from the Institute of Business and Finance in San Diego, California. This education provided him with the tools needed to analyze, plan and implement integrated financial and life strategies for affluent couples and individuals.
      • Certified Senior Analyst (CSA)
        – Steve earned his CSA designation in 2003. The CSA designation is not a financial designation, instead, it is a very thorough training on dealing with seniors and what to look for throughout the aging process that may signal when to get other family members involved. 
      • Chartered Financial Consultant® (ChFC)
        – Steve earned his ChFC designation in 1988 after passing a series of nine rigorous exams from The American College in Bryn Mawr, Pennsylvania. The ChFC is recognized as the most extensive financial planning credential in the industry.
      • Chartered Life Underwriter® (CLU®)
        – This is the world’s most respected designation of insurance expertise, and is a must-have designation when working with estate distribution planning, business succession planning, and funding estate tax liabilities. Steve earned his CLU from the American College in 1987 He is licensed to offer life insurance in North Carolina, Virginia, South Carolina and Florida.
      • Master Certified Estate Planner® (MCEP®)
        – Steve earned his MCEP designation from the National Institute of Certified Estate Planners (NICEP) 2005. Among other issues, this advanced course teaches the estate planning professional on assisting the client through the settlement process and the ultimate transfer of wealth to the next generation(s). It also addresses the pitfalls and nuances of asset protection for those whose wealth and assets are exposed to higher risk. Problematic family dynamics, the use of
        sophisticated trusts, and business entities are also explored.
      • Certified Social Security Claiming Strategies® (CSSCS)
        – Steve was one of the first advisors in the country to obtain this designation
        after realizing what a vital part the Social Security benefit can play in a properly
        structured retirement plan.
    • SUNY Plattsburgh
      – Steve attended the State University of New York in Plattsburg from September 1969 to January 1972 focusing on Behavioral Sciences.
    • Strayer University – Steve earned a BSBA from Strayer in 1993.
    • The Corporation for Social Security Claiming Strategies – “CSSCS” – 2014

    Personal

    Steve has lived in Durham since 2002 and married Anne in May of 2015. He enjoys racquetball and is always looking for a good game, especially when he is on the road. He has also coached youth baseball, basketball, soccer and is an avid hockey fan.
    Steve is a co-author of The Winning Way with Brian Tracey.

Contact Steve in our Durham office at 919-679-HEFS (4337) steve@hefs-nc.com

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marc2

Marc Cram
ChFC®, CSSCS, Notary

Bringing Life Experience to the Planning Process

Marc offers his clients 28 years of financial industry experience, helping people manage their resources and protect their assets. His satisfaction is in developing plans and helping people implement those plans. His areas of focus include:

  • Retirement Income Planning – Marc’s objective is help retirees establish a retirement income that cannot be outlived.
  • Tax Planning – Marc shows his clients how to minimize their tax liabilities.
  • Estate Planning – Marc helps his clients determine who gets what, and when they get it.

Marc’s fee-based financial planning clients typically have investable
assets of $1 million to $10 million.

Experience and Education

Marc thrives on learning and growing. His educational training includes:

B.A., Philosophy, University of Wisconsin-La Crosse

Industrial Relations Certificate, University of Minnesota-Twin Cities

Certified Financial Planner®, (CFP®) College for Financial Planning

Chartered Financial Consultant®, (ChFC®) The American College

Certified in Social Security Claiming Strategies, (CSSCS®)

He authored the Life Insurance Buyer’s Guide in 2015 available at Amazon.

Personal

Marc is married to Sandy Nelson-Cram, his wife of 12 years. They have two children. Marc is active in his church and has served in leadership roles over the years in numerous professional and Civic organizations.

Marc enjoys gardening, cooking, photography, and videography.

Contact Marc at 919-679-HEFS (4337) or marc@hefs-nc.com

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Anne Stack, CSSCS, Notary
Director of Operations

As Director of Office Operations, Anne was instrumental in the 2015 opening
of the Consultus office in Durham. Prior to Consultus, she worked for
Homeland Estate and Financial Services, where she became a licensed
agent in March, 2014.

Anne is from West Seneca, New York. She moved her drapery business of
26 years from West Seneca to Pittsboro, North Carolina in 2012. Her
experience as a business owner makes her well suited to manage branch
operations, where she works along side her husband, Steve Stack.

Anne is the mother of three, and grandmother to three, adorable little boys. She enjoys traveling the world.

Contact Anne at 919-679-HEFS (4337) or anne@hefs-nc.com

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Marcus Best
Associate Planner

B.S. Business Administration

Establishing a plan to succeed

Marcus is originally from Chesapeake, VA with roots in North Carolina now for over 20 years. He has 6 beautiful children and a wife and is very family oriented. After graduating from East Carolina University in 2012, Marcus officially began his financial career by educating people about the power of establishing and maintaining good credit. After a period of time he found himself in front of his professional mentor at Homeland Estate and Financial Services.

He once pledged to serve our country’s Navy Combat Team as a Seabee. He completed his 8 year obligation with one tour to Afghanistan. He never relented and maintains his commitment to carrying the CAN DO attitude from his service career, along with the motto, “With compassion for others, we build, we fight for peace with freedom” to now assist in planning and achieving a better life for the many Americans who seek this way of life.

Contact Marcus at 919-679-HEFS (4337) or marcus@hefs-nc.com

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m-patty3a

Mark E. Patty
NOTARY PUBLIC, Certified Estate PlannerTM , Enrolled Agent

Mark is from Shelby, NC. He has been in the financial planning business for 10 years and founded his own company, Southeastern Financial Resources, LLC. He is a member of the BBB and an approved member of NEB. Mark is also an Enrolled Agent and can help with tax issues.

Email Mark: mpatty@hefs-nc.com