Meet the Team
Charles Rosen
President and CEO
Charles P. Rosen is local and nationally known in the areas of employee benefits and financial consulting and even previously co-hosted a talk radio program on local AM radio station on various topics. As a Past-President of the California Association of Health Underwriters and Legislative Chair of Fort Worth Association of Health Underwriters, he spends time talking about health care reform and its fiscal impact on Government and Business. He has sat on various Business and Consumer Advocacy Committees for local Chambers of Commerce as well.
For over 20 years CPR Financial & Insurance Services, Inc. has taken a creative approach to put together solutions for businesses and individuals that will not only be more cost-effective but save you time in administration and keep you compliant in today's ever-changing landscape.
With sound and prudent advice, CPR has weathered some of the most turbulent times in most peoples' lifetimes with virtual flying colors. We understand that investing is a marathon, not a sprint. We work with our clients as a team, keeping our clients' needs first. Managing your investments in this volatile environment, we are here to take care of you, our valued clients.
Charles earned his degree from Otterbein College, known as one of the top private colleges in the country. He is a Past President of the Ventura County Association of Health Underwriters and has served on various boards of directors for the Boys and Girls Clubs and Youth Baseball Leagues.
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In his free time he plays a lot of Tennis, enjoys cooking, and enjoying a nice bourbon with friends and family! :-)
Charles and his wife Andrea have three sons and live in Prosper, Texas.
Vincent Lombardo
Investment Advisor Representative
Vincent Lombardo has been working in the financial services industry for over 25 years. He holds multiple licenses in both insurance and securities including the Series 65 and General Lines Insurance products including life and health. He is licensed to transact business in Arizona, California, Colorado, Connecticut, Georgia, North Carolina, Oklahoma, Pennsylvania, Tennessee, and Texas.
Vincent started his career in South Florida as a registered rep for a national broker/dealer and expanded into the property and casualty arena. The agency was expanded to multiple locations and in 2010 Vincent sold his interest to relocate to North Texas to concentrate on the advisory business.
He has since become a leader in the small to mid-sized business retirement planning space, specializing in 401(k) construction and most other business-sponsored plans. Versed in the complexities of ERISA and fiduciary issues inside employer sponsored plans has placed him in demand as businesses try to maneuver through the plan sponsor liabilities.
Vincent studied economics at Broward College and has kept a spotless record of acting in his client’s best interests and acts as a fiduciary.
Vincent and his wife Christina have two children and reside in Frisco, Texas.
Manuel Menendez
Investment Advisor Representative
Manny Menendez has been involved in the financial services industry for over 27 years. He has extensive knowledge in most financial topics due to the fact that he has been licensed in mortgages, real estate, securities, and a few other financial areas over his career. He currently holds multiple licenses in both insurance and securities including the Series 65 and General Lines Insurance products including life and health.
Manny has mastered the Financial Planning arena and believes in the “client first” approach. Manny’s main focus is making sure that his clients get the best service and the best products for their needs by using his vast experience and knowledge acquired over his 27 years of serving his thousands of clients. His focus and specialty are helping clients achieve their goals in financial planning whether they are a family getting their finances in order or a small or large business seeking to develop a retirement strategy for their employees.
His decision to join CPR Financial and Insurance Services, Inc. was based on the outstanding leadership and industry knowledge of Charles Rosen. CPR Financial allows our clients to be nimble no matter what market conditions exist. Manny also runs and operates the Doral, Florida CPR Financial & Insurance Services, FL Branch Office.
Manny studied and received his degree in Finances from Florida International University and Miami Dade College and has kept a spotless record of acting in his client’s best interests for over 27 years.
Manny and his wife Yoly have one son and reside in Miami Beach, Florida.
Amy Hall
Investment Advisor Representative
Amy Hall is a TX licensed life insurance agent and is also an accounting/tax professional with more than 18 years of experience. Her experience includes a diversified portfolio of tasks including client monthly write-ups, financial statements, and creating and processing payroll accounts. She is also well versed in preparing and filing personal and corporate tax returns.
Amy earned her Bachelor of Science in Accounting while attending the University of South Florida, where she was also a member of Beta Alpha Psi, an international honor organization for accounting, finance, and information systems students.
Amy gained versatile experience while working for an international company handling the payroll for over 100 employees nationwide. She has also been responsible for over 20 different clients and their payroll services: processing payroll schedules, preparing and filing payroll tax forms as well as setting up direct deposits and other employee benefits packages.
Amy along with Chris, her husband, and 2 daughters live in Little Elm, TX
Paul Ramirez
Sr. Independent Agent
Paul Ramirez has been in the insurance industry for almost 10 years. He has the experience and knowledge of commercial, personal, and life insurance as a captive and independent agency owner. He has been licensed in mortgage and real estate and now assists clients in California and Texas with their personal and commercial insurance needs while working closely with the CPR Advisory team.
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Paul firmly believes in “doing what is best for the client” and educating how to use insurance as part of their financial planning. Paul specializes in transforming insurance needs to work as one with financial needs and retirement goals. As an independent insurance agent, he believes in the power of choice and leveraging that choice to help clients organize risk management solutions that provide growth and opportunity. Paul aims to ensure our clients have adequate asset protection that guards their portfolios against unexpected events.
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Paul has an MBA and BS in Business Management and has served on numerous boards and committees while coaching competitive baseball for almost 20 years.
Paul has 3 children and lives in Gainesville, Texas.
Asher Ang, Esq.
Investment Advisor Representative
Asher is a securities attorney who primarily focuses his practice on the structuring and offering of securities in various types of private equity funds, hedge funds, and syndications. His day-to-day practice includes providing counsel on the primary and secondary offering of securities, compliance-related issues, contract negotiation, and inquiries or investigations from state administrators, federal regulators, and self-regulatory organizations like FINRA. Asher is deeply interested in banking, finance, and capital markets, and he has to date formed and structured over a hundred distinct offerings. Asher navigates clients through the labyrinth of complex federal and state statutory and regulatory schemes to ensure seamless and compliant offerings.
Asher brings to the table diversity of experience and knowledge. He has travelled to 30 countries in 5 continents, and speaks 3 languages (English, Mandarin Chinese, and Malay). Asher has earned American Jurisprudence awards in Statutory Interpretation and International Business Transactions, and he is one of the youngest graduates from the University of Oklahoma College of Law.
In addition to being passionate about his work, Asher is a certified scuba diver, an avid reader, chess player, and songwriter.
Asher is a licensed attorney in Texas, Oklahoma, Wyoming, and Illinois and he holds the NASAA Uniform Investment Adviser Law Series 65 and FINRA Compliance Officer Series 14 securities license.