Garrett Planning Network
Financial Planners
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Staff, Coaches, and Consultants


Sheryl Garrett, CFP®, AIF®, founder of The Garrett Planning Network, Inc., has been dubbed “The All-American Planner,” due to her zealous mission to “help make competent, objective financial advice accessible to all people.” Sheryl’s fresh approach as a financial advisor working with clients on an hourly, as-needed, Fee-Only basis has evolved into a nationwide network of like-minded financial advisors — the Garrett Planning Network.

Sheryl has also been honored to work with the House Subcommittee on Financial Services regarding predatory lending regulation, and has testified before Congress on financial literacy and Social Security reform. She also works as a consultant and expert witness in lawsuits against financial advisors who rendered questionable or inappropriate financial advice.

She has authored, coauthored or served as a technical editor on over a dozen books and several magazine columns. These books include Garrett’s Guide to Financial Planning (National Underwriter 2002, 2007), Just Give Me the Answer$ (Dearborn Trade 2004), Money Without Matrimony (Dearborn Trade 2005), Personal Finance Workbook For Dummies® (Wiley 2007, 2012), A Family’s Guide to the Military For Dummies® (Wiley 2008), and Investing in an Uncertain Economy For Dummies® (Wiley 2008).

As vocal advocate for financial education, Sheryl is a frequent public speaker and has been frequently interviewed on CNNfn, Bloomberg, ABCWorld News Now, Fox-TV, NPR’s All Things Considered and Marketplace, and in Business Week, Newsweek, Time, Forbes, Kiplinger’s Personal Finance, Money, SmartMoney, MarketWatch, U.S. News & World Report, the New York Times, USA Today, and The Wall Street Journal. Sheryl has been recognized five times by Investment Advisor magazine as “One of the Most Influential People in Financial Planning.”

Director of Operations

Justin Nichols, CFP®serves as Garrett Planning Network’s Director of Operations. He oversees the use of technology, systems and processes to effectively manage the internal operations of the Network. Nichols also works with prospective financial advisors who are interested in joining the Network. Nichols shares the many ways the Garrett Planning Network helps an advisor start a Fee-Only, hourly financial planning business, as well as how the Network supports an advisor throughout the life of their business.

Prior to joining Garrett in 2003, Nichols was a Communications & High-Tech Consultant with Accenture and a Quality Assurance Team Leader at Sprint. In 2004, he completed the CFP® certification coursework through the College for Financial Planning. He is a graduate of Kansas State University’s College of Business Administration with a Bachelor of Science in Finance.

In addition to his roles at the Garrett Planning Network, Nichols is President of Garrett Investment Advisors, LLC, a Fee-Only, SEC registered investment adviser (RIA). Passionate about financial education, Nichols also teaches an on-campus introductory personal finance course as an adjunct instructor at Kansas State University. He also serves on the advisory board for Kansas State University's Personal Financial Planning program.

Justin lives with his wife, Edee, and sons, Nate and Luke, in Manhattan, KS. He enjoys jogging, golfing and snow skiing and helping with his sons’ church, 4-H and sports activities. Justin's own personal financial mantra is: Work hard to earn a good living. Give generously. Protect you and your loved ones. Save early and often. Spend the rest to enjoy life!

Director of Member Services

Jamie Breeden, CFP®, specializes in helping Garrett members realize maximum value from the Network. As Director of Member Services, she is “information central” and serves as the primary contact person for members. She is also involved in essential operations, coordinates the annual retreat, helps develop training materials, and monitors and streamlines the discussions and documents on Garrett’s members-only Knowledge Bank. 

Jamie joined the Network as a student volunteer at its 2001 “Pathways to Success” Annual Retreat. She then continued on as a virtual staff member while finishing her financial planning course work in Manhattan, Kansas. As her member services role evolved, she eventually joined Garrett full-time and earned the CFP® certification. 

She holds a Bachelor of Science degree in Personal Financial Planning with a minor in Spanish from Kansas State University. While attending KSU, she was part of a three-student team representing KSU that was named the “Best Collegiate Financial Planning Team in the Nation” in a competition sponsored by American Express Financial Advisors. She also was named the 2003 Outstanding Senior for the Kansas State Personal Financial Planning program. 

Jamie enjoys spending time with her husband, Ty, and daughters, Nyla and Hazel. Her passions include her family and her church, and in her spare time, she enjoys blogging and helping Ty on the farm.

Director of Member Development

Mary Lacey Gibson, CFP®, owner and founder of Mary Lacey Gibson Small Business Coaching, has counseled, coached, and educated business owners for over 15 years in virtually every industry and at every developmental stage. Mary brings this wide range of experience to Garrett Planning Network Members as the Network Small Business Coach.

Passionate about the value a well crafted business plan brings to the success of any business, Mary created and developed business planning materials, with emphasis on the Garrett Planning Fee-Only, hourly basis business model, for the Network. Primary among these is the Garrett Business Plan Guide and Tutorial which is accompanied by “how-to” seminars and sample business plans. To encourage members to adopt, implement, and customize a working business plan, Mary hosts teleconferences on business planning and time management topics. Also, she responds to inquiries from members on the Garrett Knowledge Bank. Private, individual coaching is also provided at discounted rates for Network Members.

Mary has been quoted in and contributed articles to industry press publications on the topic of business planning and coaching. She has presented numerous seminars to and been a speaker at colleges and trade conferences across the nation.

Director of Communications and Financial Planning

Dylan Ross, CFP®, AFC®, wears a lot of hats as the Network's Director of Communications and Financial Planning. He is the voice behind the @GarrettPlanning Twitter handle and much of the Network's social media presence, serving as the Webmaster. As Director of Financial Planning, Dylan provides members with coaching on financial planning skills, financial counseling, and client communication. As one of the two "tech-guys" at Garrett headquarters, he is also a technology consultant for the Network and functions as editor for the site's articles.

Dylan also runs the monthly 


(AKA Real-Time) Financial Planning Study Group calls and monthly Technology Call for members of the Network.

His passion is for the ongoing, c


delivery of financial planning advice, broken into small, manageable pieces, and delivered through an orderly process. This is sometimes referred to as “real-time” financial planning because most or all of the financial planning process can occur in the presence of the client.

Dylan entered the financial advising profession in 2000, has worked for a Wall Street brokerage, managed his own Fee-Only financial planning firm, and also worked four years as a full-time, personal finance advisor and educator for the Military. He became a CERTIFIED FINANCIAL PLANNER™ certificant in 2005 and an AFCPE Accredited Financial Counselor® in 2010. In 2007, Dylan joined the Garrett Planning Network as a member, serving on the Member Advisory Board from 2010 to 2013. He has presented live sessions at annual Retreat and New Member Training, and he has hosted numerous GPN member Webinars.

Dylan’s driving philosophies center around simplicity, priorities, and the pursuit of continuous improvement through trial and error. Dylan spends time with his wife and twin sons in New Jersey or can be found (or not) somewhere in the woods or mountains, hiking, camping, or fishing.

Coaches and Consultants

Marketing Communications Coach

Marie Swift

Compliance Coaches

Mary Harris-King and Paul King, CSCP®

Marketing Communications Coach

Kristin Harad, CFP®

Consumer Credit Coach

Gerri Detweiler 

Compliance Coach

Cindi R. Hill, CFP®, IACCP®

Productivity Coach

Cynthia Kyriazis