Educating the Carolinas

Our Management Team

Audrey Averill

Director of Firm Operations

As Director of Firm Operations, Audrey Averill probably wears more hats than any other member of the team. It's her job to make sure the staff has all the support and skills needed to be successful in their roles. She's there to check on the progress of our advisors and fix any issues or problems that might come their way, and she's constantly strategizing to maximize our office productivity. If she makes it all look easy, it's because she's been working in the financial services industry since she was 14. Seriously.

"I've loved this business for as long as I can remember. Each and every day I see the impact we have on our community through the valuable work our advisors do."

As a graduate of the University of Virginia, Audrey majored in psychology, which she is able to use in working with the staff and advisors. She's also loves her dog Chloe- a German Shepherd mix she rescued and describes as the "sweetest dog ever." Audrey also serves on the board of our charity organization - Hands and Feet. More than anything else, Audrey is someone you can depend on. Her personal motto: "Always do what you say you're going to do because in the end all you have is your word."

Meredith Brassil

Director of Recruiting

Meredith is a person who loves people. "I thrive when I engage with others," she says, which makes her a perfect fit as our Director of Recruiting. "It is my goal to share the story of our firm with as many people as I can. I love to learn what their career goals are and how our firm can partner with them in growing a successful financial planning practice." You never know where you might run into Meredith as these conversations take place in the office, out grabbing coffee, and at various networking events throughout the community.

One of six children, Meredith admits she has a competitive side and isn't afraid to let it show. An avid Carolina Panthers fan, she most enjoys time with her family and friends especially travelling to tropical destinations. A graduate of UNC Wilmington, Meredith majored in Health Communications which makes her a bit of a health nut. And that's a very good thing. "I've always been passionate about healthy living and helping people. HF Financial gives me the chance to do both!"

Lou Galletto

Wealth Management Advisor

As our Wealth Management Advisor, Lou actually considers himself more of a "solution provider" at the firm. "That's what I really do work with and coach our advisors to help them set goals and objectives with their clients and then find the solutions that will accomplish those objectives," says Lou. Also, working as a liaison between our service providers and advisors, he assesses whether those solutions are the correct fit and provides accountability.

An avid sports fan, Lou loves healthy competition. He's coached soccer for the past 23 years and played in a local adult hockey league. Happily married almost three decades, Lou loves spending time with his four children as well as hiking, biking, is active in his church and loves both the Carolina mountains and beaches.

Jason Goldy, ChFC

VP of Sales Development, Director of Financial Planning

A seasoned veteran of the firm, Jason spends most of his time coaching advisors and our business-owner clients. "It's all about identifying what's most important in their lives and why," says Jason. "Once we know that, the planning work follows naturally. We build sound strategies, insist on accountability, and then grow our relationships. As a very wise man once taught, we treat others as we would want to be treated."

Practically a native, Jason's been a Charlottean for almost 30 years which means his network of friends and business associates runs deep. Happily married to his Appalachian State University sweetheart, he's a father to three children and has a rescue dog named Clover. He's also very active in his church, serves in the firms Hands & Feet outreach program, and has participated in numerous mission trips to Africa.

On his tenure at HF Financial, Jason says, "Here, it's all about family and it's such a blessing to work with a firm where relationships go beyond being just professional colleagues. Our kids have grown up together through our various company events and outings. Most importantly, we all share the same values integrity, personal responsibility and most of all, providing service to others."

Ryan Marsh

Senior Managing Director

A longtime veteran of the firm, Ryan is responsible for attracting, training and retaining financial advisors. Many members of our team owe a great deal of their success to Ryan. It's no real surprise he's been such an integral part of our family once you take a look at how well he manages his own family.

A devoted father and family man, Ryan and his wife have five children with 23 years between the first and the last! Just for fun there's also Minnie, the family dog. His personal motto: Be the best you in all that you do! For Ryan, that's a lot as he is also heavily involved in several community service and charitable organizations like SIFE for UNCC (Students in Free Enterprise), the Charlotte Chamber of Commerce, Charlotte Regional Partnership, Hands & Feet, Diversity Council of the Carolinas, and more.

He says he first fell in love with HF Financial shortly after coming on board when the staff attended a Charlotte Knights baseball game together. "The camaraderie was just so much fun and so genuine," says Ryan. "This is a place that takes values, integrity and the success of our clients very seriously. Its been a perfect fit for me."

Stephen Perkins CLU, RHU

Brokerage Director

As Agency Brokerage Director, Stephen is an instrumental part of the HF Financial team and works with our independent insurance and finance advisors in helping them solve their client's financial needs in the areas of life insurance, disability insurance, long term care and fixed annuities.

A graduate of the University South Carolina, Columbia, Stephen has received the Chartered Life Underwriter (CLU) and Registered Health Underwriter (RHU) professional designations from American College. He's also a past President of the National Association of Insurance and Financial Advisors (NAIFA) Charlotte Chapter, an active member of the Society of Financial Services Professionals and even has a bit of politics in his background having served two terms on the Tega Cay City Council.

Away from the office Stephen stays busy with his family - his wife Shawn, two children, three grandchildren and a couple of cats named J.J. and Cotton. He's an avid golfer and also loves travelling and gardening. Stephen's philosophy is a simple one that is tried and true: "I believe in following the Golden Rule - treat others the way you would want to be treated."  

Rick Ruiz

Sales Manager

Rick is a firm believer in the concept that knowledge is at the root of a successful financial future. "I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them." He is also instrumental in helping HF Financial recruit experienced financial advisors who are looking for a new challenge and an entrepreneurial opportunity. "I think what makes HFF so special is the phenomenal team of professionals who are dedicated to help our advisors grow and our clients thrive."

Away from the office Rick loves road trips and spending time with his family. He and his wife have a son and daughter who he confesses have all become regulars at Disney World. He's also an active volunteer with the Make a Wish Foundation and is fond of a particular quote from Zig Ziglar: "You can have everything in life that you want, if you will just help enough people get what they want."

Knowledge is the key to a successful financial future. My background, experience and commitment to providing you with the resources you need to make financial decisions, can help make your financial future as successful as you need it to be. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them. This helps me recommend products and strategies designed to meet their current needs, and more importantly, their future needs.

Along with a team of professionals, I offer guidance to my clients to help them reach their financial goals.

James Ziel

Agency Supervisory Officer

A representative of MassMutual, James fills a very important role in the firm overseeing regulatory and compliance functions for securities, investment advisory, and financial planning services offered by the firm. James works to ensure that our advisors operate their businesses in an ethical manner and are compliant in all laws and regulations as they focus on their clients needs.

James says, "This is a very special place. Less than two weeks after joining HF Financial I attended an offsite retreat for the leadership team. We spent time doing strategic planning for the firm, however we also spent time together hiking, playing games, sharing meals and talking around the campfire. I knew at that moment that this was a very extraordinary firm and I felt honored to be part of the family."

A graduate of the University of California at Davis, James married his high school sweetheart and has two children and a dog named Charlie. He loves all things outdoors as well as tinkering around with anything with a motor.