About Alpha Beta Gamma
Choosing a financial partner is about far more than just finances. At Alpha Beta Gamma Risk Management and Alpha Beta Gamma Wealth Management, we take pride in the options and services we offer our clients. Our mission is to provide sound recommendations designed for your future benefit.
As a completely independent firm, at ABG Risk Management we work hard to transfer risk over to insurance companies and away from your family. In order to do that, we offer a huge range of products from dozens of providers, and we research your options in terms of coverage features and premiums to help achieve the best fit.
At our sister division, ABG Wealth Management, we strive to eliminate the guesswork often associated with wealth management planning
by providing clear information and recommendations. We assist in the design and then implement a plan for your future. We then remain by your side, monitoring how the plan is working, making any necessary adjustments as life changes along the way.
ABG Wealth enjoys the resources of an independent national financial services firm, and we base our asset allocation decisions on research and advice from some of the world’s best analysts. We have access to investment solutions from some of the best minds in academia and business.
For you, our client, we use our collective experience and resources to put it all together into a comprehensive financial and retirement plan for your family.
The Gamma Formula™
Our name describes what we do. Alpha is the generation of returns above a benchmark which is every investment advisor’s goal. Beta is a measure of risk as an investor seeks to generate returns with less risk or volatility than a benchmark. Gamma is the “holy grail” of investing, which shifts the risk/reward relationship to increase returns while reducing portfolio risk
We are not a brokerage, we are registered investment advisors, with a fiduciary duty to recommend what is in your best interests. We utilize principal-protected strategies when indicated to help shift risk away from you and your family.
The Gamma Formula process contains 7 pillars:
- Asset management
- Risk management
- Financial planning
- Estate planning
- Cash and credit management
- Philanthropic planning strategies
- Other (financial advice as needed regarding your homes, automobiles, bank accounts and more)
Meet Our Team
Curtis L. Lyman, J.D.
ROLE: Portfolio Management and Retirement Planning
“The driving force behind the creation of this firm is my belief that our clients are entitled to sophisticated and independent advice, free from conflicts of interest.”
Mr. Lyman is the CEO/CIO of Alpha Beta Gamma Wealth Management, a firm registered with the SEC, pursuant to the Investment Advisors Act of 1940. Mr. Lyman has been helping retirees and pre-retirees plan their “second life” for over 30 years. “Our Mission is Creating Financial Strategies to Protect Your Future. Our job is to help clients actualize their dreams.”
Curt is an active pilot who often flies to visit clients. He is a member of the Experimental Aircraft Association, the Aircraft Owners and Pilots Association and is a Command Pilot for Aerobridge and Angel Flight-Southeast.
Read more about Curt Lyman
Raquel Bencosme joins Alpha Beta Gamma Wealth Management with a focus on providing first class service to our clients. She handles account openings and account maintenance. Raquel also manages special projects and coordinates all of our firm’s mass email communications.
Read more about Raquel Bencosme
Richard J. Krenn
Richard J. Krenn joins Alpha Beta Gamma Risk Management as an independent insurance agent.
Rich specializes in insurance type investments to assist pre-retirees and retirees in avoiding the dangers of sequential return risks, principal losses, and income streams that don’t keep pace with the rate of inflation.
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Thomas Pollock Jr., CFP®
Thomas Pollock Jr. joined the Alpha Beta Gamma Wealth Management team in 2020. As a CERTIFIED FINANCIAL PLANNER™, he specializes in working with clients in developing comprehensive financial plans, tailored investment strategies, liability management, insurance analysis, and estate planning strategies. He takes the time to understand each client’s personal needs and utilizes a disciplined process to help clients stay focused and move forward with confidence. He is a firm believer in transparency and delivering exceptional client service.
Thomas began working in the financial industry in 2015 at UBS Financial Services and held accounting roles in the public and private sectors prior to that. He currently holds the series 7 and series 66 licenses and is also licensed as an agent for life, health, annuities, and long-term care insurance. He graduated from the University of Hartford with a master’s degree in accounting and earned a bachelor’s degree in accounting from the University of New Haven. Originally from Connecticut, Thomas now resides in Port Saint Lucie, FL with his wife, Isabelle, and their Australian labradoodle named Fritz. Outside of work he enjoys playing golf, tennis, and traveling.
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Michael D. Robinson
“Building strong client relationships and making a difference in the financial lives of our clients is what attracted me to this business. The values and services of our company allow for the achievement of my personal and professional goals along with the achievement of our clients’ goals. Providing a high level of fiduciary care to our clients is an extremely important component to any successful advisor/client relationship.”
Michael joined Alpha Beta Gamma Wealth Management from Bear Stearns, a division of J.P. Morgan. Michael worked in Private Client Services with a team in Boston, Massachusetts, and helped establish an office in Palm Beach Gardens for Bear Stearns. Prior to his career in the financial services industry, Michael was a professional golfer (PGA Pro) for eight years while working at BallenIsles Country Club in Palm Beach Gardens, Florida. Michael Robinson holds a Series 66 license, is a licensed life agent in the state of Florida and has a degree in marketing from Palm Beach State College.
Read more about Michael D. Robinson