Our Team

Our mission is to work closely with our clients to design financial strategies that provide confidence and clarity while also helping to protect their future. Using customized plans that are created through a true partnership, we empower our clients to weather the inevitable challenges that our complex financial world presents.

TOM LOWRY

PRESIDENT

Thomas F. Lowry, RFC, CRPC ~ A native of Atlanta, Mr. Lowry has been assisting those in or near retirement achieve their financial goals. Tom is a multi-year winner of the Five Star Wealth Manager award by Atlanta Magazine. He specializes in the unique type of financial planning required to help his clients move from their working years and into their retirement years. Mr. Lowry is also a top of the table Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®. Tom grew up wanting to be an emergency room doctor like his father. While he never got a chance to achieve that goal, he treats his retirement planning just like a medical doctor would. He believes in the Hippocratic Oath when dealing with the families he serves. He works diligently to find the absolute best treatment and best prescription to help his clients, “Build a retirement plan that will truly stand the test of time.”

ROSEMARY LOWRY-BALANCE

CLIENT RELATIONSHIP MANAGER

A proud mother of two wonderful girls and the grandmother to the incredible Rowen. Rosemary worked as a Branch Office Manager at Edward Jones for her first 19 years in the financial services business. She came to work with Georgia Wealth Advisors in 2015 as the Client Relationship Manager at the insistence of her big brother. Her favorite quote, “ You can get anything in life you want, if you can help enough other people get what they want”

Strategic Alliances

MICHAEL BINGER, CFA®
President of Gradient Investments, LLC

Mr. Binger is the President of Gradient Investments. He has been with Gradient Investments since 2012 and has more than 30 years of total investment management experience. Mr. Binger’s prior roles include managing multi-billion dollar investment products for a large institutional asset manager. He graduated with a bachelor’s degree from the University of Minnesota and is a CFA® charterholder. We believe that he brings a depth of market experience that is rare within the industry and has been a featured contributor with several media outlets including CNBC, Fox Business, Barron’s, and The Wall Street Journal.

WAYNE SCHMIDT, CFA®
Chief Investment Officer of Gradient Investments, LLC

Mr. Schmidt is the Chief Investment Officer of Gradient Investments. He has been with Gradient Investments since 2008 and has more than 30 years of total investment experience primarily within fixed income markets. His prior roles include a lead portfolio manager position at an institutional firm where he managed a multi-billion dollar bond portfolio. He has been a contributor to such media outlets as Fox Business, Forbes, and The Wall Street Journal. Mr. Schmidt earned his bachelor’s degree from Cornell University, his MBA from the University of Minnesota, and is a CFA® charterholder.

JEREMY BRYAN, CFA®

Portfolio Manager of Gradient Investments, LLC

Mr. Bryan is a Senior Portfolio Manager for Gradient Investments. He has been with Gradient Investments since 2016 and has over 15 years of total investment management experience. Mr. Bryan’s job history includes equity research and portfolio management roles for institutional asset managers in Minneapolis and New York. He has been a frequent contributor to media outlets including CNBC, Fox Business, Reuters, and The Wall Street Journal. Mr. Bryan graduated with a bachelor’s degree from St. Cloud State University, earned an MBA from the University of St. Thomas, and is a CFA® charterholder.

MARIANN MONTAGNE, CFA®
Portfolio Manager of Gradient Investments, LLC

Ms. Montagne is a Portfolio Manager for Gradient Investments. She has been with Gradient Investments since 2014 and has more than 25 years of total investment management experience. Ms. Montagne’s prior roles include equity analysis for institutional fund managers as well as a senior investment analyst position for a $500M registered investment advisor. She is a frequent contributor to media outlets, including CNBC, Fox Business, Bloomberg, and Barron’s. Ms. Montagne graduated with a bachelor’s degree from the University of Detroit and is a CFA® charterholder.