Broker Check

Doctors Disability Specialists Team

"One thing is certain : Change. Preparation makes all the difference"

Doctors Disability Specialists Team

A Team at Living Legacy Financial Group, Inc.

At Living Legacy Financial Group, a team is dedicated to work with Dentists and Physicians. This team approach maximizes the experience of its three members: Tyler DeStefano, John L. Goulos, and Dr. Ken Marsh.

Meet the Team

Tyler S. DeStefano - Tyler is well-versed in the language of the many Disability Products available to doctors and health professionals. His strength is guiding doctors to the right type and extent of coverage to meet their unique individual circumstances. To accomplish this, Tyler works with the overall financial picture of the doctor’s practice as well and the goals and aspirations of the doctor and his /her family. Tyler is a graduate of St. John's Prepatory School, and St. Michaels College. He is currently pursuing his Life Underwriting Training Council Fellow (LUTCF) designation through The American College. Tyler DeStefano is a Financial Representative of Guardian.

Dr. Ken Marsh - Ken is most empathic with the needs of doctors, having been a successful practicing dentist for twenty-six years. One day while performing a routine surgical extraction, he tore all the ligaments in his wrist. Multiple surgeries later, he was forced to prematurely retire from clinical practice. However, because of his excellent choice in disability income protection, he was able to go on to have rewarding careers in academia and consulting while assuring his family’s financial well being with a continued tax-free income benefits. He now crusades as an advocate for his colleagues to have proper protection that he says “literally saved his life.” Ken Marsh is a Financial Representative of Guardian.

John L. Goulos - John utilizes his background and experience as a financial professional to place disability income protection in the context of a comprehensive landscape of financial success. Doctors have come to appreciate John’s "no nonsense" approach to balancing their portfolio and retirement, proactive and proficient planning, and asset protection. John’s true desire is to become a life-long ally and support mechanism for each and every one of his clients, and he has been a motivating force of relationship building among the team. John Goulos is a Registered Representative and Financial Advisor of Park Avenue Securities, LLC and Financial Representative of Guardian.

Dr. Medeiros is willing to share his story of how even when a disability interrupts one’s career, how you can be positioned to maintain the value of your practice, while also dealing with all the ups and downs that the disability brings upon one’s self and their family. Dr. Medeiros is passionate about paying it forward, as many people and dentists along the way enabled him and his family to turn a very negative situation with his disability, into a very powerful and meaningful life and career.

Dr. Medeiros is a graduate from both Tufts University in Medford MA, and Tufts University School of Dental Medicine (TUSDM) in Boston, MA. Upon Graduation from Tufts Dental in 1992, Dr. Medeiros practiced dentistry for multiple practices in New England as an associate before ultimately buying an existing practice in Nashua, NH.  He eventually retired in 2001 due to a neurological condition in his right dominant hand and sold his practice to one of his associates. He is well versed in all aspects of creating a successful dental team and how to be prepared for whatever challenges the practitioner will face. Dr. Medeiros currently resides in Gilford, NH with his wife Alyce and 4 children.

Financial Representative of Guardian

Warren Wednt has been a broker with Guardian for over 20 years. He recently joined the Living Legacy Financial Group as a Financial Representative in 2016 after a long association with them. Since entering the financial services industry in 1990, he has had a strong focus in working with medical and dental professionals. This is why partnering with the Doctor’s Disability Specialist team was so natural.

Warren attends medical and dental trade shows, does teaching seminars and does one on one meetings to educate business owners and professionals on how and why risk management products are so important in someone’s overall plan. He is licensed to help professions get involved in owning disability and life insurance in many states and has never found distance to be a problem. Having also carried licenses in mortgage origination, securities and real estate he can direct professionals to the proper place for their needs.

Warren holds a BS in Electrical and Computer Engineering from Northeastern. He also did graduate work in Engineering management at UMass, Amherst where he taught calculus for business majors. He has been a professional ski instructor for about a 20 year period. Warren and his wife, Nancy live in Hamilton, MA with several of their unmarried grown children. They have four, Rachel, Daniel, Luke and Hannah. Warren’s hobbies often include his clients-he has skied, played tennis, soccer, golf and sailed with many of his clients over the years.

Warren Wendt is a Financial Representative of Guardian.


Zachary Taylor  a Financial Representative with Living Legacy Financial Group, Zachary strives to make a difference in the lives of others every day.  He works with his clients to develop holistic and balanced strategies to attain their financial goals. The complexity and rapid pace of everyday life can make it difficult to find balance. Without balance, success may be obtained, but at what cost? By using an uncommon approach and the power of The Living Balance Sheet®, Zachary continues to help his clients make positive changes to protect and invest in their future. 

One of Zachary’s true passions is his work with Nonprofit Organizations. He specializes in fundraising development for NPO’s through Planned Giving and Charitable Giving strategies. His degree from the University of New Hampshire in Environmental and Resource Economics has helped him with the advancement of various Environmental NPO’s. By helping these nonprofits reach their development goals they are able to focus on their incredible and invaluable efforts to better the world we live in.

Zachary is a lifelong native of the New England and currently resides in Eliot, ME. Outside of his work with nonprofits through Living Legacy Financial Group, he also is the Co-founder and Director of Santa Ski New England. Santa Ski is a charitable organization that raises cash and food donations for local food pantries on the Seacoast through an annual water ski event that takes place around the holidays. 


Financial Representative of Guardian

Ryan Mansfield 

A financial Reperesentative with the Living Legacy Financial Group, Inc. utilizes a comprehensive approach towards educating doctors with their options regarding disability income protection. He competently provides value to students, residents, associates & practice owners across the country. Ryan spends a tremendous amount of time to ensure he personalizes & humanizes each individual client relationship.

Ryan lives in Peabody, MA with his wife Jaclyn. He enjoys spending time with his family. He also enjoys golf & skiing.