Open. Honest. Client-Focused.

FINANCIAL PLANNING IN LANCASTER, PENNSYLVANIA

Working with Sequinox is like having a trusted friend to talk with, especially when that friend takes time to understand exactly what you want out of life and knows the ins and outs of financial planning, taxes, and retirement.

CONCENTRATING ON PEOPLE

Sequinox was started by Joe Wirbick venturing out on his own because he was tired of the “me first” mentality that seemed to go with big financial planning companies. He wanted Sequinox to offer people sound advice so that they could solve their financial challenges like retiring comfortably, saving on taxes, and paying for college.

Joe also wanted clients to understand exactly what was happening with their money and therefore, focuses on being honest, open, and transparent in every conversation.

AN AWARD-WINNING TEAM

Today, Joe Wirbick and the Sequinox team help clients find the right financial answers in a beautiful office setting, but they never forget their roots.

Sequinox was named one of the fastest growing companies in central Pennsylvania in 2011, 2017, and 2018. Most recently, Sequinox won the 2018 Inc 500 Award and in 2011, Sequinox won the “Business of the Year” Award from Central Penn Business Journal. Year after year, the people of Lancaster vote Sequinox as "Favorite Financial Advisor."

Fastest Growing Company, Business of the Year, and 5 Year Lancaster Favorite Financial Advisor Awards by Central Penn Business Journal and LNP

MEET THE PEOPLE BEHIND SEQUINOX

We’re on a first-name basis here. That’s because we want you to feel you’re part of a group that treats clients like friends.

Joe Wirbick, CFP®, CEPA, CDFA Photo

Joe Wirbick, CFP®, CEPA, CDFA

Joe Wirbick, CFP®, CEPA, CDFA

joe@sequinox.com

For 20 years, Joe Wirbick has been on a mission to show his clients what “they” never tell you about reducing risk, retiring tax free, and ensuring their standard of living during retirement. His multiple-award-winning company, Sequinox, has become one of the premiere sources that retirees and High Net Worth Entrepreneurs trust to understand the, often confusing world, of retirement.

And here’s why: Sequinox measures their success by the number of their clients who, regardless of how they came to them, retires successfully and achieves their major financial goals.

Sequinox is refreshingly different. They shun confusing industry jargon and use terms that are easy to understand. As a client, you are treated like family. You are educated and enabled to make informed decisions with your assets. You always know exactly where your money is as well as the plan to protect it and make it grow.

Sequinox focuses on three main areas:

Help to reduce risk in a client’s portfolio
Help to minimize or eliminate taxes during retirement
Help to ensure a steady income for life.

When Joe was new to the financial services industry, he was unhappy with how most advisors were working with their clients. He saw a field overrun with a “me first” mentality. Joe had a vision to build a company that always put his clients first, regardless of the circumstances. The results have been incredible. Sequinox was named one of the fastest growing companies in central Pennsylvania, and won the “Business of the Year” Award from Central Penn Business journal in the same year.

Joe’s passion for taking the guesswork out of retirement led him to write his hit book, Everything They Never Told You About Retirement, which topped the charts as an international #1 bestseller in four countries. Organizations frequently request Joe to speak about the topics covered in his book at conventions all over the world. His charisma and relatability make him a consistently top-rated speaker, helping attendees better understand how they can achieve their dream life in retirement.

Joe has been awarded the Central Penn Business Journal’s “Forty Under Forty” award and was named as “Entrepreneur of the Year.” Most recently, he was named #1 Wealth Manager in Central Pennsylvania by Central Penn Business Journal. Joe is a member of the Ed Slott Elite IRA Advisor group.

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Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Financial Advisor is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Financial Advisor by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.

Securities offered through J.W. Cole Financial, Inc. (JWC) Member FINRA / SIPC. Advisory Services offered through J.W. Cole Advisors, Inc. (JWCA). Sequinox and JWC/ JWCA are unaffiliated entities.

Matt Lebo, CFP® Photo

Matt Lebo, CFP®

Matt Lebo

matt@sequinox.com

Matt has been in the financial services industry since 2008 and brings a wide variety of experience to Sequinox. He has met the rigorous professional standards to become a CERTIFIED FINANCIAL PLANNER^TMprofessional and adheres to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.

Matt is a central Pennsylvania native, and graduated from Cedar Crest High School in Lebanon, PA. He attended the University of Richmond and has a bachelor's degree in Business Administration with a Finance concentration.

When Matt is not working, he enjoys traveling with his wife and 3 children and exploring the outdoors. He also enjoys socializing with family and friends and playing or watching sports. Matt is an avid golfer and is hoping his young children develop his passion for the game.

Bill Gellman Photo

Bill Gellman

Bill Gellman

Bill@sequinox.com

Bill was a researcher, teacher, and non-profit manager, before entering the financial services industry. During his time as a non-profit manager, he spent many hours helping people manage their finances. This experience of empowering people to take control of their financial lives was what motivated him to become a financial advisor. It continues to motivate him today.

Bill is a graduate of both Penn State and the University of Montana. He has worked as a researcher - for Penn State, the University of Montana, and the US Fish and Wildlife Service – as well as a science teacher at two different private schools in North Carolina and Texas. For his graduate research accomplishments, Bill was elected into Sigma Xi, The Scientific Research Honor Society.

Bill graduated from New Hope-Solebury High School and he currently resides in York with his wife and two (of their three) children. He enjoys the outdoors, home remodeling projects, and jazz music. Bill is also passionate about motorcycling; since 2014, he has been a certified instructor with the Pennsylvania Motorcycle Safety Program.

Bill holds FINRA Series 7 and 66 licenses, as well as his Pennsylvania Life, Accident, and Health Insurance license.

Parker Marsh Photo

Parker Marsh

Service Coordinator

Parker Marsh

parker@sequinox.com

Parker Marsh was born and raised in the Harrisburg area. He graduated from Camp Hill High School in 2010. He then went on to earn an Associate’s degree in Business Administration from Harrisburg Area Community College, and a Bachelor’s degree in Finance from Southeastern University in Lakeland, FL.

Parker began working in the financial services industry in the fall of 2016, and became a part of the Sequinox team in December of 2017. He currently holds his Series 7 and 66 licenses.

In his time away from the office, he enjoys outdoor activities and spending time with friends and family.

Hector Ortiz Photo

Hector Ortiz

Service Coordinator

Hector Ortiz

hector@sequinox.com

Hector was a civilian law enforcement officer with the Pennsylvania State Police and made the transition in the financial services industry after more than 10 years with the organization. He also served in the Pennsylvania Army National Guard and volunteered for a deployment in 2013 as his way of giving back to the country.

Hector enjoys his time attending the extra-curricular activities of his two children. He also enjoys reading personal development books and researching personal finance related topics. During the winter season Hector is an avid snowboarder. In his spare time, he has participated as a CrossFit coach and has helped coached youth wrestling.

Hector graduated from Reading High School and went on to obtain a Bachelor of Arts from Alvernia University. He is also currently pursuing his CFP® and ChFC® designations.

Teressa Beard Photo

Teressa Beard

Senior Advisor Assistant

Teressa Beard

teressa@sequinox.com

Teressa Beard began her career at Sequinox in 2015. Prior to her role at Sequinox, she worked in the printing industry for 22 years in Customer Service. Teressa lives happily in Akron with her husband.

Words to Describe:

Organized
Quick-witted

Favorites Things to Do:

Spending time with good friends, family, husband and dog
Hiking
Camping
Traveling
Exploring new places

Unfulfilled Dreams:

Hiking the entire Appalachian Trail
Owning a cute little camper
Traveling across country by car

Things that Make Me Happy:

Untamed laughter of a child
Helping others

Favorite Desserts:

Chocolate cake with peanut butter icing straight from the refrigerator
Thick chocolate milk shake with ice crystals
Dark chocolate caramels sprinkled with sea salt

Favorite Foods:

Pasta
Mom’s Homemade Chicken Pot Pie

My Perfect Day:

Reading a good book on a sunny day at the beach or on a rainy day at the cabin

Jim Roach, CEPA Photo

Jim Roach, CEPA

Advisor Assistant

Jim Roach, CEPA

jim@sequinox.com

Jim started working in the financial services industry in 2007 after graduating from Bloomsburg University with a bachelor’s degree in Business Administration with a concentration in Finance. Jim has held a Series 7 certification and has an MBA in Entrepreneurial Studies and Innovation Management from Drexel University. Aside from his time in financial services, Jim’s background also includes working in strategic consulting.

Born in Philadelphia, Jim moved to Lancaster in 2015. When Jim is not working, he loves spending time with his family, travelling, and playing guitar.

Christine Wirbick Photo

Christine Wirbick

Communications Director

Christine Wirbick

christine@sequinox.com

Christine Wirbick began working at Sequinox in July 2015. Her role at Sequinox has evolved from simply planning client events to marketing and implementing new technology and helping improve our systems.

Christine’s back ground includes military service and 15 years as a registered nurse. She enjoys traveling, hiking, and spending time with her boys.

Karyna Vega Photo

Karyna Vega

Karyna Vega

karyna@sequinox.com

Karyna Vega was born and raised in Hartford, Connecticut but now calls Lancaster home. Her background includes Human Resources as well as Staffing Management.

Karyna’s role as receptionist appeals to her love of working with people, a passion most likely stemming from being 1 of 9 children growing up.

When Karyna is not in the office she enjoys seeing new places, trying new foods, and spending time with her larger than life family.

Lisette Colón Photo

Lisette Colón

Marketing Assistant

Lisette C Colón

lisette@sequinox.com

Lisette C Colón joined Sequinox as marketing assistant in September 2019.

In addition to working at Sequinox, Lisette works full-time as a Finance Manager for a local non-profit organization. She Graduated from J.P. McCaskey High School and studied at The Consolidated School of Business receiving her Associates degree in Business Management. Her goal in life is to “make a better outcome for my children.”

Lisette was born in Lancaster and is one of eight siblings. As a proud Hispanic woman, she enjoys her large family, traveling, and spending quality time with her children.