Echo45 Advisors

Bios

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  Jon Henderson, CFP®, CRPC®

  Lead Financial Advisor, Owner/Founder, Chief Investment Officer

  As a pilot and a drummer, Jon understands the importance of rhythm and has been helping clients find their financial cadence in life for two decades. His main responsibility at Echo45 Advisors is to remain an accessible, proactive financial advisor to all the firm’s clients, providing them with the best possible service, guidance and support. As the firm’s owner and founder, he also is responsible for Echo45’s long-term vision while keeping an eye on daily operations. Jon, a CERTIFIED FINANCIAL PLANNER™ professional and a Chartered Retirement Planning Counselor (CRPC®), specializes in personal financial planning, retirement planning and portfolio management, and with a BA in communications from San Diego State University, he enjoys educating clients about all aspects of their finances. Jon has earned the Certificate in Blockchain and Digital Assets® from the Digital Assets Council of Financial Professionals and New York Institute of Finance. Increasingly, clients have questions about this emerging asset class, including how cryptocurrencies work. Gaining this certification better prepares Echo45 to educate clients around this exciting, yet rapidly evolving space. A technology enthusiast and early adopter of new technologies, Jon actively embraces the high-tech world of wealth management, having been in the industry long enough to remember when stock quotes were stated in fractions. He harnesses today's robust FinTech offerings to enhance client experiences in meaningful ways. Jon is a man of many interests. When he’s not working toward his instrument rating in his Cirrus SR20, he enjoys painting abstracts, investing in real estate, and playing tennis and golf. An avid gamer, Jon enjoys playing Overwatch when he can and has been a consistent fan of most Blizzard games over the years. Jon has been the drummer and sometime lead vocalist on six full-length recordings beginning in his college days. He married his wife, Monica, and experienced Asia for the first time on their honeymoon. Together they enjoy travel, from ambitious international trips to quick California weekends snowboarding in Tahoe; wine tasting in Napa; soaking up the sun in San Diego; flying into Pine Mountain Lake Airport (call sign E45), where the firm got its name. They recently left the downtown city life of San Francisco and moved to Walnut Creek to be closer to Echo45 Headquarters where they look forward having more space with their 80-pound English Bulldog, Gonzo (@gonzointhecity) - and baby Henderson.

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  Genecar Z. Vivo

  Senior Client Concierge, Director of Concierge Services, Office Manager

  Gen’s gregarious nature and nurturing style, along with her early background in visual communications and design, have given her the ability to creatively develop connections with people. These strengths help her cultivate and foster strong relationships and become the clients’ trusted point of contact. As Echo45 Advisors’ director of Concierge Services, Gen spearheads the firm’s white-glove service training program, manages the day-to-day office operations, performs clients’ administrative needs and supports portfolio management execution. Prior to Echo45, Gen was as a registered senior client associate at Merrill Lynch, in addition to various administrative roles, for nearly 20 years. She was also a client associate coach, responsible for training new hires and orchestrating strategies for smooth transitions into their role. When Gen is not glamping in the forest in her family’s 35’ travel trailer, she’s busy overseeing the business side of her youngest son’s BSA Troop 317 as committee chair, taking part in an Eagle Board of Review or mentoring a scout as their merit badge counselor. She lives in Concord with her husband, Rich; their three boys; their 5-year-old boxer/pit bull mix, Carter; and their tabby cat, Ashleigh, who appeared on their porch one day and never left. Gen also revels in finding new recipes that Rich can call his favorite, and enjoys early morning walks with Carter, discovering great food at every travel destination with Rich and the boys, taking epic road trips like their Route 66 adventure for their 10-year wedding anniversary, and watching the Giants or 49ers game from the comforts of home.

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  Kevin Cheeks, CFP®

  Financial Advisor, Director of Planning Services, Chief Compliance Officer

  Spending much of his early life playing in and managing different bands has helped Kevin realize both his right and left brain strengths. As one of the firm’s financial advisors and relationship managers, he applies creativity, pragmatism and 20+ years’ experience to helping clients define and achieve their goals. Also, his worldwide traveling – to 24 countries (so far) – has given him a tremendous sense of gratitude for good health and well-being, an appreciation that compels him to help others achieve their own financial health and well-being. Kevin specializes in comprehensive financial planning with expertise in retirement planning, equity compensation, concentrated stock positions, tax management strategies and socially responsible investing. He also is well-versed in compliance. With tenure at three of the largest financial institutions, Kevin has amassed the insight and experience to help solve for clients’ needs across all facets of their financial lives. Before joining Echo45 Advisors, he was a VP–financial consultant for Charles Schwab. Earlier he worked as an AVP-private banker and investment consultant at Wells Fargo, as well as in various operational roles for Bank of America. Kevin, who received a BS in business management from Arizona State University, is a CERTIFIED FINANCIAL PLANNER™ professional and a member of the Financial Planning Association. He lives in the Potrero Hill neighborhood of San Francisco with his longtime partner, Sejal, and their boxer/pit bull mix, Nullah. He enjoys international travel, points and miles hacking, hiking with Nullah, playing guitar, listening to music and podcasts, watching old and new movies, snowboarding, surfing, exploring the trails in his FJ Cruiser and enjoying San Francisco’s amazing food scene.

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  Cole Matsuura

  Planning Coordinator

  Cole is a people person who knows how to connect with anyone he meets. Before joining Echo45 as Planning Coordinator, he spent more than five years in the hospitality industry honing his communication skills and learning how to adapt to best suit the audience at hand. This background, along with his BA in organizational communications from California State University Channel Islands, is what enables him to provide respectful, high-touch concierge service to each and every person who comes to us. From getting clients acquainted with our tech platforms to helping with the on-boarding process so that our planning team can go about creating a bespoke financial plan, just leave it to Cole—this is where he thrives. Born-and-bred in California, Cole is proud to have served as a Ventura County Fire Cadet, where he assisted in raising more than $25,000 for muscular dystrophy. These days, he calls Walnut Creek home and enjoys everything from skateboarding and hiking to fashion, live music and wine tasting, of course.

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  James Sutton AWMA®

  Senior Relationship Manager

  James prides himself on being meticulously detail-oriented—it’s a crucial part of his white-glove approach to client service. He also gets that life can be complicated these days and, therefore, takes it upon himself to really get to know each person he works with so that he can tailor his approach to take the very best care of them. As senior relationship manager, James is always ready to go above and beyond for Echo45 clients, staying on top of all the details so they don’t have to. What sets James apart is his diverse background in different areas of the financial world. Having earned an Accredited Wealth Management AdvisorSM designation, as well as a BS in economics, he’s also worn several different hats ranging from financial planning associate at Lenox Advisors to investments analyst with the Rand Group at Merrill. As a result, he’s gained more than a decade of valuable experience in wealth management, portfolio construction and financial planning in addition to education, insurance and estate planning. This vast knowledge base allows him to comprehensively assess and help with each client’s financial situation at every stage, over time. What else should you know about James? He lives in Walnut Creek, California, where Echo45 is headquartered. And he loves camping, snowboarding, traveling, dining out, trips to Lake Tahoe, reading and playing games of all sorts, like Carcassonne and Rocket League. Any other questions? Just ask him.