Foundation for Personal Financial Education

John Gajkowski is a Principal of Money Managers, Ltd. He was born in Berwyn, IL. Mr. Gajkowski earned Bachelor of Science degrees in Political Science and Legal Studies from Illinois State University, Normal, IL.

He entered the financial planning industry in 1983 as a Registered Representative with American Express Investment Advisors (now Ameriprise). He was also an insurance agent of IDS Life Insurance Company, a wholly owned subsidiary of American Express. Each year he earned the distinction of top producing Representative. In 1987 he left to co-found Money Managers, Ltd., an independent financial planning firm.

He has custom designed and presented retirement and estate planning seminars for Fortune 500 companies. He has presented numerous educational seminars to employees of AT&T, Jewel/Osco, McDonalds, Motorola and SBC to name a few. John also teaches adult education regularly at Lyons Township High School in LaGrange, IL.

John is a FINRA Registered Representative with Waterstone Financial Group, Itasca, IL. He is a fully licensed general securities broker and Registered Principal and is a licensed agent for the sale of life, disability, medical and long term care insurance, as well as fixed, variable and equity-indexed annuities.

John is actively engaged in continuing education in the financial planning industry and is a member of the DuPage Estate Planning Council.

John and his wife, Cathy, have 3 children: Lauren, Michelle and Jarrett.

Nancy Coutu is the Principal of Money Managers, Ltd. and Money Managers Advisory. She was born in Chicago, Illinois. Ms Coutu earned a Bachelor of Arts degree in Business Management, with a double major of Finance and Economics, from Loyola/Mundelein College, Chicago, Illinois.

She entered the Financial Planning Industry in 1981 as a Registered Representative with American Express Investment Advisors. She was also an agent for IDS Life Insurance Company, a wholly owned subsidiary of American Express. After hiring and training one of the top Districts, Nancy left American Express to start her own independent financial planning firm.

Nancy is an FINRA Registered Representative with Waterstone Financial Group, a Broker-Dealer in Itasca, Illinois. She is a fully licensed General Securities Broker and Registered Principal. She is also a licensed agent for the sale of Life, Disability, Medical and Long Term Care Insurance, as well as Fixed, Variable and Equity-Indexed Annuities.

She has custom designed and presented Retirement and Estate Planning Seminars for Fortune 500 companies. She has presented numerous Educational Programs to employees of AT&T, Jewel Foods, McDonalds, Motorola and SBC, to name a few.

Nancy has appeared on WGN’s “People to People”, CNBC, FOX NEWS and most of the local TV News programs. She has also hosted her own radio show. She has been quoted in “Kiplinger’s Personal Finance Magazine”, “Woman’s Day Magazine”, “The LA Times”; and is often quoted in the “Chicago Tribune”, “The Daily Herald” and various other publications. Nancy’s other honors include nomination for the prestigious “NAWBO (National Association of Women Business Owners) New Venture Award”, a Small Business recognition award.

Ms. Coutu has been actively engaged in continuing education in the financial planning industry and is a member of the DuPage Estate Planning Council.