Our Team

The members of our agency are dynamic, committed professionals who are eager to help you find solutions to reach the financial goals in your life. Our team approach helps ensure that you receive personalized, best in the industry solutions and the benefit of many combined years of experience and expertise.

Mike Wilk, President – CEO (Colorado – Iowa)
began his insurance and financial services career in 1982 with the largest insurance marketing company in the world. By 1986, he placed first out of 500,000 agents in the nation for agency recruiting and agency production. Given all of his success, he ventured out on his own and started his independent agency in 1990. He has since grown several agencies in numerous states with thousands of producers for several of the world’s largest financial companies. Motivated to follow his heart and build a company that changes people’s lives, he founded Five Rings Financial, LLC in 2004 and relocated his headquarters to Littleton, Colo. Mike graduated from the University of Kansas in 1977 with a degree in speech and human relations.
“There’s never been a greater time to be in this industry. I wake up every morning more excited than I’ve ever been! We have an amazing team and an incredible opportunity for both clients and agents. It’s AWESOME!”

Monica HeadshotMonica Wilk – Executive Vice President  (Colorado – Iowa)
comes to us from Cedar Rapids, Iowa with a fifteen-year corporate financial background in Underwriting at Transamerica. There, she directly worked with internal partners along with Agents, Managing General Agents and Independent Marketing Organizations. Monica’s passion for helping people is heightened through Five Rings’ “Wine, Women and Wealth”…bringing awareness, education, and inspiration to women to propel them on a path of financial independence. Monica loves being with, working with and supporting Mike as they travel around the U.S. meeting new people, spreading the word on how money works and changing people’s lives.
“It’s so exciting to be in the financial industry, especially in the Five Rings Family. We are so different from the typical financial agency. We believe Men and Women, equally, are important in our industry. We believe educating Middle Americans on the principles of how money works is crucial. This is truly invaluable information that can save families, family’s futures and impact generations to come!!!”
Business Headshotsdenise headshotChris & Denise Arand – Executive Vice Presidents (California)
Chris brings his 30 years of small business expertise to the very successful Arand Agency, West Coast Division of Five Rings Financial.  Chris began his career a touring professional golfer, and after attending the PGA Business School, moved into pro course management in Colorado and New Mexico.  As a PGA Head Golf Professional, he managed a series of private and resort courses, including the world-renowned Castle Pines, and then a stop on the men’s PGA tour. Chris enjoys spending time with his daughters and their families, sport fishing, and yes, the occasional round of golf! After raising her family, Denise began her financial services career in the early 1990’s. She is passionate about offering experienced, proven, and sophisticated financial advice to audiences who traditionally don’t have access to it; like women, middle Americans, and those with out nine figure portfolios. Through her Wine, Women and Wealth seminars, she is achieving her goals of educating and encouraging all women to be comfortable with money, personal finance, and building wealth. She’s the proud mother of two married daughters and “Mimi” to two beautiful Granddaughters.
Heather 2headshotHeather Brinkman – Executive Vice President (Virginia)  Heather’s extensive background in finance includes 14 years as a Mortgage Loan Officer, 10 years as a Mortgage Loan Closer and 6 years as a Business and Group Benefits Specialist with Legal Shield. Heather is a consummate professional who works to maximize benefits for her clients. She is relentless in her pursuit of doing and being the best in everything she undertakes – she is a true “giver” and her clients and Five Rings Financial reap the benefits of her excellence.
“I truly enjoy showing people how they can safely grow and protect their wealth, plan for college education and create a tax-free retirement income…for life!”.

gustavomarinaGustavo & Marina Couto – Executive Vice Presidents (Florida)
With a diverse background in computer science, stock options trading, FOREX trading, tax free retirement, project and risk management, Gustavo utilizes his skills to help clients create and protect wealth. He has a passion for teaching people about money and is an active speaker on finances. He brings a fresh approach to discussing money with his audience, boiling complex subjects to simple terms that make his workshops engaging and informative, thus empowering his clients to take action with their own money and finances. His expertise includes the application of safe money vehicles that are guaranteed not to lose money due to stock market down turns. His personal interests include biking, rally car driving, traveling and hanging out with his family.
“I love helping people, I’m passionate about impacting my community in a positive way.” Marina is an extremely valuable asset to our team for many reasons, a few of which are that she: develops strong relationships, can analyze data to identify issues and solve problems and is also an independent self starter. With many years experience in project management; training and supporting sales teams, she is a perfect fit as a leader and mentor for Five Rings agents and clients! Her energy and innovative marketing strategies brings the message of financial literacy to hundreds of people each month!
“Our job is to make your financial dreams come true (no extra charge for helping you learn how to dream again)!”
Lyall headshot websiteTina Headshot websiteLyall & Tina Donnelly – Executive Vice Presidents(Colorado)
career as an independent business owner has given him the experience and empathy necessary to achieve the personal needs of his clients. His goal is to help every client implement safe retirement strategies; minimize taxation, develop tax free income and utilize “Living Benefits” to protect their lifestyle and family. Building successful business teams and training people new to this industry is his passion.
“I feel completely blessed to be the person chosen to help Mike Wilk launch Five Rings Financial in Colorado. The ability to help clients, introduce people to this amazing career opportunity and build an agency with this fantastic model and team is my dream career!” Tina has been instrumental in expanding opportunities for women in the financial industry for several years. Her experience combined with her unique ability to break down difficult topics into understandable concepts for any audience sets her apart as a speaker and trainer.  Helping women develop a healthy and confident relationship with their financial decisions, and launching part time or full time careers with Five Rings Financial is her hearts work. “Removing financial strife from a household changes the dynamic of each relationship in the family. To do that people need new information, new tools. It’s very rewarding to see people become happy & worry free concerning their financial future!”
Betty headshotMark & Betty Ehrhart – Executive Vice Presidents (Colorado)
obtained his first financial services license in 1980 working for a national firm. In 1990, he transitioned into sports marketing with the Colorado Rockies, Coors Brewing Company and Roller Hockey International. With 10 years of corporate environment experience,  in the fall of 2008, Mark was introduced to Mike Wilk and the Five Rings Leadership Team. His passion for coaching and developing associates and educating clients made for a perfect fit! Mark is a fourth generation Coloradoan and a graduate of Colorado College in business.
“The Five Rings community offers the opportunity of a lifetime to help change people’s lives and those of their clients. Come take a test drive! Betty transitioned from one classroom to another by joining the Five Rings Family in 2015, after teaching young minds (3rd, 5th & 6th graders) in Jefferson County for 25 years. She brings her enthusiasm and love of helping others to the monthly Wine, Women and Wealth meetings.  She is a graduate of Colorado College and resides with her husband, Mark, in Golden. She enjoys time with her three grown children, Amy, Kirk and Greg and is excited for all the possibilities joining this great team offers. “Working with my husband in this business is a dream come true!”
Fisher-Mary_BWNEWSMary Fisher – Executive Vice President (Virginia)
After attending Mike Wilk’s Money 101 Workshop in January 2011, Mary was compelled to invite others to hear the message. Wilk’s education-based, down-to-earth approach won her over. Mary has been instrumental in the development of thriving agencies across the United States, including Virginia, D.C., Florida, North Carolina, Kentucky and Texas. She has touched hundreds of lives, with a commitment to helping thousands more reduce stress easily and painlessly by improving their approach to personal, family and business finance. Mary has surrounded herself with an incredibly talented roster of “servant leaders” each teaching, hosting or supporting Wine, Women & Wealth and Money 101 events.
“Proper education and financial tools which include Living Benefits Life Insurance and Tax-Free Retirement can make a massive impact now and in the future.”
Mary lives in Virginia Beach with husband, Richard and son, son Matthew and has a large, closely-connected extended family including her step-children Richie & Sabrina. She has a B.A. from Marymount University and a background in publishing, personal development, and interpersonal communications. She is an avid reader, traveler and lifelong learner.
Kym 2 BWRudy -8599Rudy Garcia & Kym Colvin – Executive Vice Presidents (Colorado)
Rudy comes to us via the University of Colorado with a BA/BS in Accounting. Rudy is in his third and final career. His first career, 1981-1995, was in the automobile industry where he held positions of Sales Manager, General Sales Manager and Finance Director for some of the top automobile dealers in America. His second career was as “Top Producer in the Nation” where he led production with World Insurance, American Republic, Assurant Health and U S Health Advisers. Rudy’s 3rd and final career began in 2013 with Five Rings Financial. In his first 4 months he achieved a Regional Vice President position and was the first producer to attain his Executive Vice President position in a one year period. Rudy’s motto is “Go Big or Go Home!” With over 33 years experience as a pharmacist, Kym joins us with an abundance of energy, experience and patience. She has worked in a Critical Access Hospital setting for over 10 years and has certification in Lean Leadership Training for Healthcare which gives her an insightful understanding of “Living Benefits”. She’s a foodie and sparkly fashionista with a love of travel and music. In her free time, you can find Kym cooking, reading or gardening. “My greatest accomplishments are my 25 years of marriage to Rudy and our amazing daughter, Krysten.”
Al Glaser – Executive Vice President (California)
began his career with Five Rings Financial in 2009 and advanced rapidly through the ranks to achieve the highest position, Executive Vice President. Having been in sales for more than 35 years as the owner of retail and manufacturing businesses, his experience places him in a distinctive position that provides him with the unique perspective of understanding the needs of entrepreneurs and business owners. Al has always subscribed to the “servant leader” model, believing it is his role to enrich the lives of individuals, build better organizations and ultimately create a more caring and secure world. So when he learned of Five Rings Financials unwavering commitment to service not only the regularly targeted high income clients, but also the company’s steadfast dedication to the under-served middle class, Al knew he had found a home. “My mission with Five Rings Financial is to help build a legacy for my clients and for future generations through life insurance with living benefits and tax-free retirement strategies.”
Kim Face Shot BW websiteWilliam Leonard & Kim Mickey Executive Vice Presidents (Colorado)
Before coming to Five Rings Financial, Bill spent time in the Military and learned the importance of teamwork and hard work. His successful career as a landscape architect was followed by many years as a leader in the Health Insurance Industry. Those skills combined with his creative thinking give Bill the ability to design solutions and strategies that will provide lifetime income and protection for his clients and their families.
“It’s a great opportunity to offer my clients products and strategies that will establish security for generations to come.” Kim comes to us with an Accounting Degree from the University of Phoenix and experience as a Senior Accountant and Tax Professional. Kim’s dynamic personality keeps her out of the office and in the field educating clients, recruiting new team members and participating in numerous networking events. Kim spends much of her time  networking and meeting new people to spread the word about financial literacy. She supports many local fund raising events and is extremely active in her community, mentoring women, teaching classes and supporting local female owned businesses and enterprises. “We all have dreams. Each of us wants to reach our goals, appreciate all of life’s gifts and enjoy the journey along the way. At Five Rings Financial, our specialty is turning aspirations into achievements.”

Professional HeadshotAndre & Mara Simoneau – Executive Vice Presidents (Colorado)  Andre is passionate about working with his clients and is an expert at creating valuable strategic partnerships with financial, legal, tax, insurance, healthcare and other professionals to add mutual value to each others business and clients. With an extensive background in franchising (over 20 years) and business ownership, he enjoys teaching others to be successful in business and money both one-on-one and in a group setting. As an Executive Vice President of Five Rings Financial and Partner at Life Made to Order, he is a sought after speaker for educational workshops, sales conferences, Toastmasters, leads groups, and with motivating individuals and teams to success. Andre is an energetic dad of four and wonderful husband (according to his wife), he enjoys making others smile. “I pay it forward by sharing my experiences and knowledge and making connections that may have never been considered.”  Mara is changing the money conversation for good! Armed with a feisty attitude and a no-nonsense approach to finances this cool, quirky and colorful blond brings a fresh approach to the oh-so-taboo subject of money. She is on a mission to empower Americans to gain financial literacy, confront their fears and move forward in life with a plan that works. As an Executive Vice President of Five Rings Financial and founder of Life Made to Order Financial, Mara is passionate about empowering women and entrepreneurs to find fulfillment and financial freedom on their terms. An in demand public speaker, hang on to your hat, not hers, as Mara shares how you can tune in and tune up your money soundtrack to propel you toward the wealth and lifestyle you deserve. “If you are not satisfied with your current money results it’s time to change your money beliefs! Master your mindset and you master your money!”
Jack Headshot 2016Jack Waldron – Executive Vice President (Texas)
began his career in 2005 in his home town of Brighton, CO.  He has experience as an Agent and Agency Leader/Trainer locally as well as across the country.  He merged his company, Family First Agency, with Five Rings Financial in 2012.  His team brings a tremendous work ethic as well as a wealth of knowledge and experience.  Jack works hard for his clients to help create the perfect insurance and financial plan and just as hard to help his team do the same for theirs. His enthusiasm and team building expertise makes him the perfect leader for launching our Texas presence! Jack and his wife, Tasha, spend their free time with their brilliant and adorable son.
“I’m proud to be a part of Five Rings Financial.  We have the tools needed to help our clients accomplish all of their goals and then some!  It’s great to work for an innovative and fun company that is growing at record pace!”