Your Coach

Our team is led by our company president Gayle Jendzejec, ChFC CLU CFS CASL LUTCF. Gayle has been helping families through their financial life journeys for over 35 years.  Her passion is to empower others through education to make their financial life decisions from a place of knowledge, wisdom and confidence. She wants you to live your life without regrets and stress.  Gayle’s passion to help people came from watching others, especially close family members struggle working two jobs trying to make sure their kids had food on the table. She has seen too many folks stress about how to pay for a college education, save for retirement and care for their parents at the same time. Others trying to make sure they didn’t run out of money during their retirement years. She loves to help individuals/families develop a plan that aligns with their values and goals. Regardless of your income or assets, Gayle’s goal is to manage your money efficiently, protect your family and your assets. Making certain that your financial life is in sinc with you values, while minimizing your taxes. She helps you coordinate and simplify your financial life so you can focus on what’s important to you.  Family and friends and living your best life.

Her promise to all of the folks she helps…. She will keep the complex financial analysis and recommendations simple and understandable.  She will always work with your best interest in mind..

Gayle loves spending time with all her children and her grandchildren.  Family, faith and friends are her priorities.  In her spare time she loves to kayak, boat, read and travel.

Gayle’s team is dedicated to listening to you and educating you on your options so you can choose the best solutions for you and your family.



Education Background and Business Experience

Gayle Jendzejec

Born: 1963

Education

University of Rhode Island – Bachelor in 1986 – Graduated 12/1986

Work Experience 

  • C2P Capital Advisory Group, LLC d.b.a. Prosperity Capital Advisors – Investment Advisor Representative –August 2022 to Present
  • Lifetime Advisors Group, LLC (d.b.a. for advisory business)– President, Investment Advisory Representative –September 1998 to Present
  • Lifetime Insurance Group, LLC – President – May 2016 to Present
  • Equity Services, Inc. – Investment Advisor Rep – August 2017 to August 2022
  • College Advisors Group, LLC – President – August 2001 to June 2023
  • Lifetime Money Management, LLC – Managing Director, CCO, IAR – May 2015 to July 2017

Professional Licenses/Designations

Prosperity Capital Advisors is required to disclose the pertinent facts regarding any Professional Licenses or Designations to a client’s evaluation of Gayle Jendzejec.

Certified Financial Consultant – ChFC® 

The CHFC® designation is granted by The American College. A CHFC® candidate must successfully complete the program which requires the candidate to:

  • Complete seven required courses (Financial Planning: Process and Environment, Fundamentals of Insurance Planning, Income Taxation, Planning for Retirement Needs, Investments, Fundamentals of Estate Planning and Financial Planning Applications• Complete seven required courses (Financial Planning: Process and Environment, Fundamentals of Insurance Planning, Income Taxation, Planning for Retirement Needs, Investments, Fundamentals of Estate Planning and Financial Planning Applications
  • Complete two elective courses
  • Complete three years of full-time business experience
  • Agree to comply with The American College Code of Ethics and Procedures
  • Complete ongoing continuing education requirements

Life Underwriting Training Council Fellow – LUTCF® 

The LUTCF designation is granted by The National Association of Insurance and Financial Advisors. A LUTCF candidate must successfully complete the program which requires the candidate to: Complete three required courses, agree to comply with NAIFA’s Code of Ethics and Procedures and to complete ongoing continuing education requirements.

Certified Life Underwriter- CLU® 

The CLU® designation of the oldest and most respected credentials in financial services, dating back to the late 1920’s. It represents a thorough understanding of a broad array of personal risk management and life insurance planning issues and stresses ethics, professionalism, and in-depth knowledge in the delivery of financial advice. CLU® candidates must complete eight college-level courses, five required and three electives. The required courses include Fundamentals of Insurance Planning, Individual Life Insurance, Life Insurance Law, Fundamentals of Estate Planning, and Planning for Business Owners and Professionals. Electives topics cover financial planning, health insurance, income taxation, group benefits, investments, and retirement planning.

Chartered Advisor for Senior Living – CASL® 

CASL® is a rigorous credential in the senior and retirement planning space, with curriculum that covers wealth accumulation, income distribution, and estate planning for those preparing for or in retirement. Advisors taking this program commit between 250 and 300 hours of study and take about 18 months to complete the designation. The CASL® requires five college-level courses: Understanding the Older Client, Health and Long-Term Care Financing for Seniors, Financial Decisions for Retirement, Investments and Fundamentals of Estate Planning.

Certified Fund Specialist – CFS® 

The CFS designation is granted by The Institute of Business and Finance (IBF). A CFS candidate must have either a bachelor's degree or two thousand (2,000) hours of financial services work experience. In addition, the candidate must complete a self-study program that has six (6) modules and takes approximately fifteen (15) weeks to complete, pass three (3) proctored exams, and complete a case study. The candidate must also agree to comply with IBF’s Code of Ethics and procedures and to complete ongoing continuing education requirements.

Certified Tax Specialist – CTS® 

The CTS® designation is granted by The Institute of Business and Finance (IBF). A CTS candidate must have either a bachelor's degree or one (1) year of financial services work experience. In addition, the candidate must complete a self-study program, pass three (3) proctored exams, and complete a case study. The candidate must also agree to comply with IBF’s Code of Ethics and procedures and to complete ongoing continuing education requirements.

Registered Financial Consultant – RFC® 

The RFC® designation is granted by The International Association of Registered Financial Consultants (IARFC). An RFC candidate must have three (3) full years of experience as a financial planning practitioner, the required licenses to engage in financial planning profession, a sound record of business integrity with no suspension or revocation of any professional designations or licenses. To hold the RFC designation, the candidate must hold one of the following designations: AAMS®, CFA®, CFP®, ChFC®, CPA®, EA®, or LUTCF®. In addition, the candidate must agree to comply with IARFC’s Code of Ethics and procedures and to complete ongoing continuing education requirements.

Disciplinary Information

Prosperity Capital Advisors is required to disclose the pertinent facts regarding any legal or disciplinary events material to a client’s evaluation of Gayle Jendzejec. PCA has no information to report on this item.

Other Business Activites and Additional Compensation

Prosperity Capital Advisors is required to disclose the pertinent facts regarding any legal or disciplinary events material to a client’s evaluation of Gayle Jendzejec. PCA has no information to report on this item.

In addition to and separate from providing advisory services as an investment advisor representative for Prosperity Capital Advisors, Gayle Jendzejec is involved in the following businesses or occupations: Gayle Jendzejec is a licensed insurance agent and may solicit fixed insurance products including but not limited to life insurance, annuities, disability insurance, long term care insurance and Medicare supplements. Ms. Jendzejec receives normal and customary commissions as a result of any insurance product purchases made by clients. In addition, Gayle may receive other compensation such as fixed life trails, bonus payments and/or award trips. The potential for receipt of commissions and other types of compensation when Gayle acts as an insurance agent gives Gayle an incentive to recommend insurance products based on the compensation received, rather than the client’s needs. As part of his fiduciary duties, Gayle Jendzejec endeavors at all times to put the interests of all clients first and foremost. Clients are under no obligation to purchase fixed insurance products through Ms. Jendzejec.  

Ms. Jendzejec is the President of JBL Enterprises LLC which is a property management company. Roughly five hours per week is spent on this activity typically outside of trading hours. This is not an investment related activity.

Ms. Jendzejec works as an IAR under the Atlantic Asset Advisors d.b.a. while she is in Florida. This is an investment related activity.

Ms. Jendzejec is the President of AB to Z Real Estate Investments LLC. Ms. Jendzejec receives passive income from real estate holdings from this company. Roughly one hour per week is spent on this activity typically outside of trading hours. This is not an investment related activity.

Ms. Jendzejec is co-owner of Lifetime Advisors Group, Inc.. This company will be the holding company for advisory fee payments and expenses.

Ms. Jendzejec is the owner of Lifetime Ins. Group, LLC. This company will the holding company and d.b.a. for insurance and tax related payments.

Ms. Jendzejec is the co-owner of Mathewson Associates d.b.a. R Gary Clark. This firm is a tax preparation firm. Ms. Jendzejec spends approximately one hour per month on this activity during non-trading hours. This is not an investment related activity.

In her capacity as an IAR, Ms. Jendzejec may be eligible to receive additional compensation beyond her regular PCA income. Such additional compensation generally consists of cash bonuses, marketing dollars, and reward trips based on performance and/or assets under management. Ms. Jendzejec does not receive any cash bonuses or non-cash compensation for providing advisory services from any entity other than PCA.

Supervision

Luke Ripienski serves as Chief Compliance Officer of Prosperity Capital Advisors. The personal trading activities in Gayle Jendzejec’s accounts are compared to investments made in the client accounts of Gayle Jendzejec.

In addition, Prosperity Capital Advisors supervises the investments recommended by Gayle Jendzejec to ensure those investments are suitable for the particular client and consistent with their investment needs, goals, objectives, and risk tolerance, as well as any restrictions previously requested by the client. Prosperity Capital Advisors periodically reviews advisory activities of Gayle Jendzejec, which may include reviewing individual accounts and correspondences (including e-mails) sent to and received by Gayle Jendzejec.

Gayle M. Jendzejec ChFC CLU CASL CTS CFS RFC LUTCF

President & Financial Planner

(401) 821-0080

gayle@lifetimeadvisorsgroup.com

Gayle is the president of LifeTime Advisors Group. She is an Investment Advisor Representative offering financial planning and investment advisory services through Prosperity Capital Advisors (PCA) an SEC registered investment...

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Jasmine Mendez

Client Care Associate

(401) 821-0080

jasmine@lifetimeadvisorsgroup.com

Jasmine Mendez is a dedicated Johnson and Wales graduate and the proud owner of Thrive Cakery, where she has honed her expertise in customer service through creating memorable experiences for her clientele. Transitioning seamlessly...
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