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Michael Bayer

Advanced Markets Director

Combining his 27 years of professional financial planning practice, Michael serves as the Advanced Markets Director for Capital Strategies, focusing on complex planning solutions. With his passion for education, Michael also focuses on providing world-class financial advice to clients and fellow financial professionals. As Director of the Capital Solutions Group*, a division of Capital Strategies, Michael’s responsibilities include developing and overseeing the Capital Strategies financial planning department and associated specialists in coordination with Capital Strategies growth initiatives. Michael and his wife Jill reside in northwest Austin and have four adult daughters with whom they enjoy spending time.

mbayer2@csomtx.com

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Travis Cloud

Financial Planning Director

The client’s financial goals may include preparing for milestone life events like retirement or college, protecting their family’s future, or simply seeking insurance protection. Travis brings an elevated level of attention, insight, and capability. After analyzing the current financial situation, he helps identify financial goals and barriers, illustrates a plan of action to pursue goals and deal with concerns, identifies gaps, and offers solutions to help fill them through various Financial Planning Strategies. A University of Texas graduate, Travis enjoys everything outdoors with his wife and children.

travis.a.cloud@csomtx.com
https://www.linkedin.com/in/travis-cloud-lutcf-32b4167/

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P. Jordan Smith, Jr.

Financial Planning Director

In addition to running his own practice, Jordan assists other advisors in implementing, growing, and improving their financial planning practices. When offering investment advisory services, he acts in a fiduciary capacity which is the legal obligation to put the client first. However, Jordan’s moral compass always points to him to do what’s right for all clients. In his free time, Jordan hunts, spends time with family and friends, looks for his lost golf balls, cheers on his beloved Aggies and Dallas Cowboys, learns new skills, and spends time with his dog, Buddy.

jsmithjr@csomtx.com
https://www.linkedin.com/in/p-jordan-smith-jr-188b2221/

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Scott Talbott

Financial Planner, Agency Investment Specialist

Preparing for that next step in life isn’t always easy. Scott’s combination of experience, professionalism, and access to various products and services can help clients meet financial goals, plan estate strategies, and determine insurance needs. A Trinity University grad with a Bachelor of Science in Business Administration, Scott is married with two sons. He is a third-degree martial artist, teacher, and state amateur competitor. He is also a member of the Sons of the American Revolution, San Antonio chapter.

stalbott@csomtx.com
https://www.linkedin.com/in/setalbott/

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Joe Skarda

Director, Education & Training - San Antonio

Joe has 48 years of professional practice which focuses on Business Owners, Qualified Retirement Plans, Non-Qualified Executive Benefit Plans, Business Continuation, and Income Maximization Strategies. A lifelong member of South Texas, Joe’s roots are deep. With an extensive amount of experience, designations, memberships, and published articles, Joe brings his vast financial knowledge to help clients and fellow financial professionals. Joe has been married to Debbie for nearly 50 years and enjoys time with his wife, daughter, and grandsons.

jskarda@csomtx.com
https://www.linkedin.com/in/joe-skarda-clu-lutcf-crps-fscp-4120a928/

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Carmen Corona

Financial Advisor

Carmen has worked in the insurance industry for 32 years in various managerial and administrative roles. Her extensive customer service skills and product knowledge are indispensable to support the team members of the Capital Solutions Group*, a division of Capital Strategies. She is committed to handling all requests promptly and efficiently. Carmen and David, her husband of 35 years, enjoy working on home improvement projects and hiking to explore state and national parks.

ccorona@csomtx.com
https://www.linkedin.com/in/carmen-corona-aa3564161/

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Ryan Hamman

Financial Advisor

Ryan is committed to helping clients protect their assets and achieve financial goals. With a bachelor’s degree in Kinesiology from UT Austin, he was an educator, teaching economics, and government, and coaching high school basketball for nine years. His “previous life” vocation provides a level of understanding that connects with clients. Ryan is approved in fee-based financial planning and E-money. Ryan is also FINRA registered with series 6, 63, and 65 and is an Investment Advisor Representative.

rhamman@financialguide.com
https://www.linkedin.com/in/ryanhamman/

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Ryan Woolhiser

Chief Investment Officer

Ryan joins the Capital Strategies team with over 16 years of experience in the financial services industry. At Invesco / Oppenheimer Funds, he managed Independents, registered investment advisors, and wire houses. His education and experiences allow him to wholistically analyze the client’s financials and construct an investment plan to achieve the client’s financial goals. He is a CFA® Charterholder, a Chartered Alternative Investment Specialist, and a CFA Institute and CFA Society of Dallas/Ft Worth member.

Ryan is responsible for developing a robust wealth management platform with multiple options that will enable our financial professionals to better serve their clients and prospects. He is committed to serving the Capital Strategies Financial Professionals by participating in client and prospect meetings to offer his knowledge of the economy and investment strategies. He brings to the meeting an understanding of behavioral finance which allows him to better communicate and understand the client and their concerns.

When he is not helping people with their financial future, he enjoys spending time with his wife, Allie, and his young son, Leighton, and together they are excited to welcome baby boy number two in the fall. He also enjoys golfing, hunting, and fishing.

rwoolhiser@csomtx.com
Capital Strategies
Privacy Overview

Privacy Policy

This Privacy Policy ("Policy") applies to csomtx.com, and Capital Strategies ("Company") and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to the Company include csomtx.com. The Company's website is a news and information site. By using the Company website, you consent to the data practices described in this statement.

Collection of your Personal Information

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services. These may include: (a) registering for an account; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

Sharing Information with Third Parties

The Company does not sell, rent, or lease its customer lists to third parties.

The Company may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services tothe Company, and they are required to maintain the confidentiality of your information.

The Company may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on the Company or the site; (b) protect and defend the rights or property of the Company; and/or (c) act under exigent circumstances to protect the personal safety of users of the Company, or the public.

Automatically Collected Information

The Company may automatically collect information about your computer hardware and software. This information can include your IP address, browser type, domain names, access times, and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding the use of the Company's website.

Links

This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Right to Deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

 - Delete your personal information from our records; and

 - Direct any service providers to delete your personal information from their records.

Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:

 - Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, and provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;

 - Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;

 - Debug to identify and repair errors that impair existing intended functionality;

 - Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;

 - Comply with the California Electronic Communications Privacy Act;

 - Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;

 - Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;

 - Comply with an existing legal obligation; or

 - Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Children Under Thirteen

The Company does not knowingly collect personally identifiable information from children under the age of 13. If you are under the age of 13, you must ask your parent or guardian for permission to use this website.

Email Communications

From time to time, the Company may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication.

If you would like to stop receiving marketing or promotional communications via email from the Company, you may opt out of such communications by replying STOP.

External Data Storage Sites

We may store your data on servers provided by third-party hosting vendors with whom we have contracted.

Changes to This Statement

The Company reserves the right to change this Policy from time to time. For example, when there are changes in our services, changes in our data protection practices, or changes in the law. When changes to this Policy are significant, we will inform you. You may receive a notice by sending an email to the primary email address specified in your account, by placing a prominent notice on our Capital Strategies, and/or by updating any privacy information. Your continued use of the website and/or services available after such modifications will constitute your: (a) acknowledgment of the modified Policy; and (b) agreement to abide and be bound by that Policy.

Contact Information

The Company welcomes your questions or comments regarding this Policy. If you believe that the Company has not adhered to this Policy, please contact the Company at:

Capital Strategies
317 Grace Lane Suite 250
Austin, Texas 78746

Email Address:
arc@financialguide.com

Phone Number:
512-346-6020

Effective as of May 19, 2025