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.

Warren Wendt 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.


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.

Ryan is a Financial Representative of Guardian, CA insurance license #0K38506.