Our Team

Our team is comprised of Investment Advisor Representatives, Asset Managers, Income Planning Specialists, CPA’s and Trust Attorneys. As a full service Retirement Management Company, we firmly believe that no aspect of your personal Retirement Plan can be overlooked. Our main objective is to provide our clients with all of the information needed to make good decisions for their future retirement security.

At Advanced Planning Advisors, our entire team is dedicated to our client’s present and future success. Our offices consist of professionals who continually make our firm a growing success. Please take a moment to get to know our partners below.

Michael Moylan
Financial Advisor

Mike Moylan is the Senior Partner at Advanced Planning Advisors, Inc. and has over 27 years experience in the financial services industry. Mike is the co-host of the radio show “Smart Money Talk” and can be heard weekly on 560 Answer on Saturday morning at 6am. Mr. Moylan has helped many clients provide for their financial future, both personally and professionally. He maintains a profound belief in educating his clients to ensure that they can make the best decisions regarding their financial security.

Mike and his wife, Flavia, live in Tinley Park with their three children, where they are both very involved in the community. Their two sons play baseball, basketball, football and wrestle. Mike has the pleasure of coaching their sports teams and refereeing youth football. Their daughter is currently pursuing her degree in business at Illinois State University and hopes to follow in her dad’s professional footsteps.

Mike and Flavia are involved in the Pediatric Oncology Treasure Chest Foundation and are able to provide toys to children with cancer. Advanced Planning Advisors, Inc. has also made donations and held fundraisers for “Toys for Tots”, matching their clients’ contributions.

Mike is an avid golfer and recently received the “Best Dad of the Year” award from his ten-year-old son.

Rob head shotP. Robert Kirvan
Business Development Manager
Investment Advisor

Robert Kirvan is a Financial Planner at Advanced Planning Advisors, Inc., a full service Retirement Management Firm. Mr. Kirvan is a Investment Advisor Representative and is bound by a legal obligation to act in the best interests of all his clients.

Robert has over 19 years’ experience in business and financial services. His main focus is working with pre-retirees and retirees, to build a solid financial plan that may enable them to enjoy retirement the way they have envisioned it. Robert takes a holistic approach to retirement planning, encompassing the entire financial house not just segments. This allows clients to make sound and informed decisions that will not only impact today, but will have an effect on the future.

Robert is a co- host of SMART MONEY TALK, heard every week on 560 Answer, Saturday mornings at 6am. Robert has lectured throughout the Chicago area with respect to retirement and retirement income planning.

Mr. Kirvan has been interviewed by the Wall Street Journal, with regards to Risk and how it affects retirees portfolio selection.

Robert and his wife Natalie have been married for 20 years and have three beautiful daughters. They believe deeply in raising their children with the philosophy that family always comes first.




wayneWayne Schmidt, CFA®, MBA

Chief Investment Officer of Gradient Investments, LLC

In October 2008, Wayne Schmidt joined Gradient Investments, LLC and serves as Chief Investment Officer. With 26 years of investment experience, Wayne brings decades of institutional experience and in-depth knowledge of the private client market to Gradient Investments, and offers a global investment management perspective.

Wayne is an invaluable and direct resource for affiliated investment advisors and their clients. He provides vast wisdom, knowledge, experience and tools to help investment advisors grow their practice, while also growing clients’ assets.

In a nationwide search that included acquisition considerations, AXA Investment Managers, a subsidiary of the European insurance giant AXA Group, handpicked Wayne to build their U.S investment grade fixed income capabilities and to lead a seasoned portfolio team located in St. Paul, Minnesota.

During his tenure at AXA Investment Managers, Wayne served as senior portfolio manager for the U.S. Investment Grade Fixed Income Team. As the lead portfolio manager, he managed $9.5 billion of fixed income assets with a variety of mandates ranging from aggregate, corporate and government bond portfolios.

Before joining AXA Investment Managers, Wayne dedicated over 20 years to Minnesota Life and its’ $14 billion investment arm, Advantus Capital Management. As portfolio manager, he managed a variety of high-grade funds as part of Advantus’s $1.8 billion Total Return Product for institutional and retail clients. He also served as the lead portfolio manager of the Advantus Bond Fund and the co-portfolio manager of the Advantus Spectrum Fund.

Wayne earned his Master of Business Administration in Finance from the University of Minnesota and a Bachelor of Science from Cornell University. He is a Chartered Financial Analyst® and a member of The Chartered Financial Analyst Institute and the Twin Cities Society of Security Analysts.

Over the years, Wayne has been quoted on the global economy in numerous nationally and internationally recognized investment publications such as: Bloomberg, Pension & Investments, Reuters, The Los Angeles Times, Financial Week (2008 Neal Award Winner), Asia Times, InvestorVillage, Safehaven, SFO, Credit Investment News and RGE Monitor (Nouriel Roubini’s Global EconoMonitorinvestment). He has also provided market insights on Bloomberg radio and television.

Wayne’s love of Minnesota is Gradient Investments’ great fortune, as he declined to relocate with AXA Investment Managers following their strategic decision to consolidate function into the high-yield operation in Greenwich, Connecticut.

mikeMichael Binger, CFA®

Senior Portfolio Manager of Gradient Investments, LLC

Michael Binger, CFA®, serves as the senior portfolio manager for Gradient Investments, LLC. Binger brings over 24 years of institutional equity investment experience to Gradient Investments and its affiliated advisors and clients. He has extensive experience working directly with financial advisors designing and actively managing portfolios. Binger has successfully invested in numerous market and economic cycles giving him a level and depth of experience that is rare in this industry.

Binger started his investment career in Minneapolis, Minnesota with Lutheran Brotherhood in 1987 and gained experience managing assets in a variety of asset classes including convertible bonds, small cap equities, and large cap equities. When Lutheran Brotherhood and Aid Association for Lutherans merged in 2001 to become Thrivent Financial, Binger was selected to work as the senior portfolio manager on the Large Cap Growth team and Large Cap Alpha Team managing over $3 billion in assets. As the senior portfolio manager, he developed and oversaw the tactical investment strategies utilized within mutual funds, variable annuities, pension funds and insurance company products. These investment processes included proprietary portfolio construction strategies, security selection parameters and volatility controlled umbrellas.

Binger graduated from the University of Minnesota earning a Bachelor of Science in Business Administration-Finance. He graduated with honors and was the University of Minnesota’s “Wall Street Journal Award Winner.” Binger is a CFA® and a member of The Chartered Financial Analyst Institute and the Twin Cities Society of Security Analysts.

Binger’s media highlights include numerous appearances, providing market insight on CNBC, Bloomberg TV and Bloomberg Radio. He has also been quoted in The Wall Street Journal, Barron’s, Smart Money, Reuters, Business Week and numerous other local, national, and global investment publications.