Hello and welcome to the Foundation for Fiduciary Education. I’m excited to have you here! As an IRS approved, 501(c)(3) NonProfit Organization, our mission is to educate and empower families through comprehensive fiduciary financial education. We are pleased to provide you with financial education and resources you can trust . Taught exclusively by Certified Financial Fiduciaries®. If you have any questions at all, please do not hesitate to contact me. I look forward to helping you in any way I can.

Tracy Rosenau is a 30-year financial services industry veteran and dedicated holistic financial advisor.  Life is hard sometimes, and experience matters.  Successfully navigating real world experiences like elder care, divorce, career change, entrepreneurship, and numerous historic economic and stock market events of recent decades requires empathy, understanding and wisdom.  Her personal and professional experiences are why Tracy is uniquely able to meet clients wherever they are in their financial lives. Using her extensive brokerage, asset management, alternative investment, and insurance background, Tracy simplifies complex concepts, educating clients to give them a full understanding of possible outcomes and strategies that can be achieved through a collaborative, customized financial plan designed to help them achieve their dreams.  Financial planning is not a one-time transaction but should be a long-term partnership with a service-focused fiduciary professional committed to regularly reviewing the whole financial picture, coordinating with clients’ current providers, and quarterbacking a holistic plan that is capable of flexing with whatever life throws at clients.  With JL Smith, clients have access to not just experienced financial advisors, but licensed attorneys, CPAs, Tax, Medicare, and Social Security specialists who help clients avoid costly mistakes when facing the asset gathering, as well as the pre-retirement and retirement phases of their lives. Tracy holds an Executive MBA (EMBA), is a FINRA registered investment advisor with Series 7 and Series 66 licenses, is a Certified Financial Fiduciary® (CFF), a Bucket Plan Certified® planner, and carries Life, Health and Annuities licenses in multiple states.  A life-long Cleveland native, in her spare time she enjoys all manner of sports and outdoor recreation with family, friends, and beloved 4-foots.