Meet the Wealth Management Team
The Wealth Management Team
Partners you can rely on.
Pioneer Wealth Management draws on decades of experience in investments, retirement planning and insurance. We built our business around serving the individual investor; by personally helping people through the process and explaining all of their options. Unlike big brokers that direct you to a call center, or do-it-yourself trading solutions that leave you on your own, we'll take the time to understand your objectives and suggest the products and solutions that best fit your investment and insurance requirements. It's a level of personal service you deserve and can expect from Pioneer Wealth Management.
Check the background of investment professionals associated with this site on FINRA's BrokerCheck.
Joseph C. Lindner, CFP® Wealth Advisor
A native of Voorheesville, Joe is a Pioneer Wealth Management wealth advisor. He has over 10 years of experience as a financial advisor. He holds the CERTIFIED FINANCIAL PLANNERTM certification, awarded by the Certified Planner Board of Standards, Inc.
He graduated with a Bachelor of Science degree in Business Administration with a concentration in Finance from Salisbury University where he also played varsity baseball.
Prior to working with Pioneer Wealth Management, Joe was a Financial Advisor with First Niagara Investment Services/LPL. He also worked in Premier Banking at HSBC from 2006-2012, assisting his clients in the areas of Wealth Management, Estate Planning and International Banking. In his practice, Joe specializes in investment advising, retirement planning and estate planning working primarily with individuals, families and small businesses.
Joe currently resides in Wilton with his wife Melissa and two sons. He enjoys spending time around Saratoga with his wife and kids and bringing his sons to their camp in Pennsylvania.
Robert J. Kovacs, CFP® - Wealth Advisor
Rob is a Pioneer Wealth Management wealth advisor. Rob has over 28 years of experience as a financial advisor. He holds the CERTIFIED FINANCIAL PLANNER™ certification, awarded by the Certified Planner Board of Standards, Inc.
He graduated with a Bachelor of Arts degree in Economics from State University of NY at Potsdam.
Prior to working with Pioneer Wealth Management, Rob was a Financial Advisor with First Niagara Investment Services/LPL. He also worked as a Financial Advisor and Wealth Management Consultant at HSBC Securities USA from 2001-2012. In his practice, Rob specializes in investment portfolio design, retirement income planning and estate planning working primarily with individuals, families and small businesses.
Rob currently resides in Delmar with his wife Colleen and three children. He enjoys spending time with his children at their sports and school activities; as well as exploring his love of music in his spare time.
Kimberly Matzen - Wealth Advisor
A native of Troy, Kim is a Pioneer Wealth Management wealth advisor. She has over 35 years of experience in the financial services industry having served in similar advisory roles locally with both HSBC Wealth Management Group and First Niagara Investment Services.
She is qualified as a general securities representative (Series 7), and as a uniformed securities agent (Series 63), security registrations currently held through LPL Financial. She also possesses her NYS life and health insurance licenses. Her expertise in financial planning, as well as implementing succinct financial strategies based on her client’s goals, have been the hallmark of her long-term success in banking and reputation within the wealth management industry.
Kim and her husband Bob are long term residents of Schaghticoke. They enjoy traveling and spending time with their extended families.
Michael J. Ward, CFP® - LPL Registered Principal
In June of 2001, Mike and his team officially opened the doors of Ward Financial Management, LTD. Armed with a diverse background in navigating the many facets of the financial industry, Mike accomplished the transition to owning and operating a branch office of LPL Financial with precision and poise.
After earning a Bachelor of Science in Business Management/Economics from Buffalo State College, Mike went on to gain over a decade of invaluable experience in the financial world. From launching and improving processes for financial planning and brokerage divisions, to later joining an established independent investment firm, the decision to open his own practice was a natural next step.
When it comes to their clients, Mike and his team have always firmly believed in doing the right thing at the right time. Ward Financial Management, LTD continues to redefine what it means to be an asset to the families they serve. Investing and planning for retirement often includes a variety of both important and challenging decisions. We understand these complexities, and are committed to providing the guidance needed to successfully manage them.
Mike also believes in continuing education for financial professionals. He maintains his Certified Financial Planner certification, holds series 7, 24 and 63 securities registrations and is a registered principal with LPL Financial.
LPL is the largest independent broker/dealer in the nation, as reported in Financial Planning Magazine, June 1996-2017, based on total revenue. ‘Independent’ means there are no proprietary products sold nor sales management quota systems to maintain. It means that Mike has the freedom to choose appropriate investment vehicles and to act in his client’s best interests.
Mike lives in Altamont with his wife Alyson. Alyson and Mike have two sons, Michael and Matthew, who also reside in the Capital Region. In their spare time, you will find the Wards enjoying the northern Adirondacks and a variety of outdoor activities including boating and hiking, and winter sports such as snowmobiling, snowshoeing, and skiing.
Loretta Birkett CFP® - Financial Consultant
Loretta grew up on a dairy farm near Oneonta, NY. In 1975, she received her bachelor's degree from Hartwick College with a dual major in Math and Russian.
Her career in financial services began approximately two weeks after graduation when she was hired by First Albany Corporation. She passed the Series 7 securities exam the following summer to become a registered representative. She spent the next eight years working in the fixed income trading area at First Albany.
In 1983, Loretta accepted a position at Key Bank with the relatively new discount brokerage service. Although hired for her bond expertise, this is where Loretta gained experience with retail clients and the equity markets.
Loretta was asked to return to First Albany Corp in 1989 as the assistant for one of their top financial advisors. She was an integral part of the advisor's business for the next 18 years, constantly adapting to the changes and challenges in the financial industry. Loretta earned her CERTIFIED FINANCIAL PLANNER® designation and became a Senior Client Relationship Manager.
Loretta joined the team at Ward Financial in February 2007. As the Relationship Manager for the firm she is responsible for portfolio review, researching investment selections and accommodating client needs.
Loretta and her late husband, Allan, have two children and four grandchildren. Loretta enjoys traveling, gardening, reading and spending time with family and friends.
Contact a Pioneer Wealth Advisor today by calling 518.730.3140.
Securities and advisory services offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Pioneer Bank and Pioneer Wealth Management are not registered broker/dealers and are not affiliated with LPL Financial.
State Disclosure - LPL Financial representatives associated with this website may discuss and/or transact securities business only with residents of the following states: AZ, CA, CO, CT, DE, FL, GA, HI, IL, IN, KY, MA, MD, NC, NH, NJ, NM, NY, OH, OK, PA, RI, SC, TN, TX, VA, VT and WA. States may vary based on representative.
For a comprehensive review of your personal situation, always consult with a tax or legal Advisor. Neither LPL Financial, nor any of its representatives may give legal or tax advice.
The investment products sold through LPL Financial are not insured Pioneer Bank deposits and are not FDIC insured. These products are not obligations of the Pioneer Bank and are not endorsed, recommended or guaranteed by Pioneer Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.