ACCOUNTABILITY

Chelsey is a Wealth Advisor at Carmel Capital Partners. Before joining Carmel, Chelsey worked as a Financial Advisor at Torrey Pines Wealth Management, part of UBS Financial Services. During her tenure at UBS, she specialized as a Wealth Planning Associate, providing tailored advice and solutions to affluent clients in San Diego.

Prior to joining UBS, Chelsey served as an Analyst in the Capital Markets Group at Citizens Bank in Boston. During her tenure, she played a pivotal role in originating, structuring, and executing debt capital market transactions that supported a wide array of strategic initiatives for middle-market businesses. These initiatives included acquisitions, leveraged buyouts, dividend recapitalizations, restructurings, and refinancing across diverse industries across middle-market businesses.

Chelsey obtained an A.B. in Economics from Harvard College, where she also earned a citation in French. During her time at Harvard, she demonstrated her leadership as a co-captain of the varsity lacrosse team during her senior year. Furthermore, Chelsey holds several licenses including the Series 7 and 66 securities licenses, the California life and health insurance license, and the esteemed designation of an Accredited Wealth Management Advisor®.

Ryan has over two decades of experience in wealth management, real estate, business building, and philanthropy. He has designed strategic solutions for some of the nation’s wealthiest families, created business systems for growing companies, and founded and expanded the non-profit organization, Main Street Philanthropy, nationwide. Ryan is recognized as a thought leader, disrupter, and innovator in designing purpose-driven financial solutions. He is also a co-founder of Gateway for Good, a public benefit corporation with a mission to unite the world through innovative giving experiences.

Ryan graduated from the Johns Hopkins Carey School of Business with an MBA in Leading Organizations. He holds a degree from Point Loma Nazarene University in Industrial-Organizational Psychology along with extensive work in Biology and Chemistry. Ryan holds securities and insurance licenses, is a Real Estate Broker, and has multiple other industry certifications. He has spoken at conferences and events across the United States, Canada, and Europe.

Outside of the office, Ryan serves on several nonprofit boards, sings in a quartet, plays guitar with a band, and coaches youth sports teams. Having grown up in Sonoma County, he also has an affinity for decent wines. Ryan and his wife, Jennifer, live in north San Diego with their three children.

With 35 years of institutional investing experience, Kevin E. Silverman, CFA®, serves as a Portfolio Manager at Carmel. His primary objective is to leverage his extensive expertise in delivering institutional-quality investment to individual and family portfolios.

Kevin’s career commenced with a specialization in industrial, tech, and retail equities at Harris Associates and Stifel Nicolaus. Prior to joining Carmel Capital, he directed institutional equities and private wealth at an affiliate of private equity firm Sterling Partners.

Kevin holds a Master of Science in Finance and a Bachelor of Business Administration in Finance from the University of Wisconsin-Madison, alongside the CFA® charter.

Led the retirement fund of a large California construction company as Portfolio Manager and Administrator prior to founding his own investment firm in 1974, Ellis C. Smith Investment Counsel, Inc. He graduated with a Bachelor of Science degree from the School of Business Administration, University of California Los Angeles, in 1965, and pursued graduate studies at San Diego State University. Ellis is a former Chairman of the Board of the San Diego Downtown YMCA and President of the Executive’s Association of San Diego. Currently a Trustee for the San Diego History Center and a Board Member of the San Diego Employers Association. He also served as a commissioned officer in the United States Naval Reserve.

Stephanie has close to a decade of experience in the financial services industry covering a variety of different operational positions. She has been responsible for supervising back-office operations, client service, and compliance functions. She holds Series 65 and CA insurance license as well as being a commissioned CA Notary Public.

Stephanie has close to a decade of experience in the financial services industry covering a variety of different operational positions. She has been responsible for supervising back-office operations, client service, and compliance functions. She holds Series 65 and CA insurance license as well as being a commissioned CA Notary Public.