Board of Directors

As a non-profit, the ACP Board of Directors is comprised of eight rotating ACP members to serve its fellow ACP community in the best interests of its membership. In addition to providing board opportunities for its members, ACP provides its members with leadership opportunities such as serving on one of several committees.

Steve Swicegood, CFP®

Steve Swicegood, CFP® began his financial services career in 1974 in the property and casualty insurance business. Prompted by his personal interest in investing and finance and by an increase in requests for help from his insurance clients, Steve began offering personal financial planning in the mid 90’s.

Steve founded his current business, Conscious Money Solutions, in 2009 with the specific intent of offering his clients holistic Financial Life Planning. This is a process that, in his words, “includes full consideration of how each financial decision impacts other areas of life that are touched by money. More importantly, Financial Life Planning is about helping clients make the money they have work for the life they want.”

A veteran of the US Air Force, Steve attended Central Arizona College and the University of Albuquerque as a business major. He completed his financial planning curriculum through Florida State University. Steve and his wife, Connie, have lived in Amarillo since 1978. They have two adult children—a son, Jimmy, who is a successful business owner in Amarillo, and a daughter, Erica, who is a physician in the Dallas/Fort Worth Metroplex.

When he is not working or playing with his grandchildren, Steve likes to scuba dive, ski, travel (particularly to locations with sandy beaches and palm trees) and participate in CrossFit workouts. Steve and Connie are active at First Baptist Church in Amarillo, where they both work with ESL (English as Second Language) classes. Additionally, Steve teaches financial literacy classes for Habitat for Humanity and volunteers as a counselor and mentor to juvenile offenders.

Sheila Padden,

Secretary / Treasurer

After completing Northwestern University's Certified Financial Planning Program and passing the rigorous 10 hour CFP Exam, Sheila knew that she would re-focus her career on Personal Financial Planning. At the NAPFA conference in Chicago, Sheila learned about fee-only practice models, met amazing fee-only advisors, and felt relieved that she could continue working as a trusted advisor and not sell commission-laded products.

Sheila graduated with Honors from the University of Notre Dame and holds a Bachelor's of Business Administration in Accountancy. As a licensed CPA in Illinois, Sheila completes at least 120 hours every three years of continuing education. Sheila is a member of the American Institute of CPAs and its Personal Financial Planning Section.

Sheila is actively involved in Notre Dame Women Connect where she is national chair, and in the Center for Economic Progress where she is a tax preparer for low-income families.

Her favorite activities include: tennis, golf, reading and spending time with family and friends. Sheila has been married to Mike for over 25 years and they have 4 children, 3 sons and a daughter. The youngest son and daughter are twins.

Tim Caban,

I live with my family in Malvern, PA, with my wife and two children, our dog, and five chickens.  I am an avid gardener and cook. 

In my earlier career, I worked for 11 years in New York City in multiple jobs in the financial industry.  I worked as a currency trader at JP Morgan & Co, and later as a loan officer at the JP Morgan Private Bank before switching careers to become a financial planner.  Having witnessed the financial industry firsthand, warts and all, I was eager to find a better way. 

I am a CFP® and EA.  Before ACP, I never did my own taxes.  It was through the encouragement of the group that I got outside my comfort zone and started doing taxes, ultimately obtaining my EA designation.  It is a huge differentiator from my competition, and I would not have achieved this if it were not for ACP.

Josh Cutler,

Josh is a partner and lead advisor at Bluestem Financial Advisors in Champaign, IL. He joined Bluestem in 2014 after working for a regional investment brokerage firm, where prior to joining Bluestem, he realized that his passion was in helping people, not selling them products. Josh’s active involvement volunteering for ACP supplements his serving on the boards of other local organizations, including the Eastern Illinois Estate Planning Council, his local Toastmasters group, and the regional board for American Cancer Society.

At home, Josh loves enjoying time with his wife, daughter, and English Bulldog above all else.  Living in the Champaign area, which is home to the University of Illinois, means Josh is surrounded by sports and a culture of always learning. He is also an avid fan of the St. Louis Cardinals and Chicago Bears and enjoys playing the guitar, golfing, exercising, and trying new craft beers.

Sophie Kaluziak, CFP®, CPA

I have a sole proprietorship in Oak Park, IL.  After getting my B.S. in Accounting and my CPA, I worked as a sales tax auditor for the Florida and Massachusetts Departments of Revenue, eventually training new auditors and then moving into management for the final twelve years of my time there.

It was a great run, but after 21 years in state tax auditing, I was ready for a career change.  Working with a career counselor, I narrowed my interests down to being an electrician or a financial planner.  I chose the latter.  My first professional conference was in Reno where I met Joanne Paynter.  My conversations with her, and all that I subsequently learned about ACP (FKA Cambridge Advisors), convinced me that this was the system that I wanted to use for my financial planning practice. I began Vista Financial planning in 2003 and received my CFP in 2006.

Alicia Klein,

Alicia has worked for Cambridge Financial Group in Tucson, AZ since 2011. She joined the firm as an intern and is now part-owner. Alicia is active in her local NAPFA study group and serves on the board of her local FPA, where she is developing the relationship between fee-only planners and the brand-new CFPÒ program at the University of Arizona, where she graduated from with a BSBA in Marketing at The Eller College of Management. She earned her CFP® designation in July 2014 and became an Enrolled Agent in December of 2014.

As the granddaughter of Bert Whitehead, Alicia strives to fill big shoes in the financial planning world. Being a member of ACP is as much about honoring the legacy as it is serving the profession well into the future.


Tim Sullivan,

Past President

Tim Sullivan, CFP®, EA is an investment advisor representative for Clarity Financial, LLC, a fee-only advisory firm he founded in 2011. With a graduate certificate in personal financial planning from Rice University, Tim helps his clients  grow financially and invest their energy in the important aspects of their lives. He is also an Enrolled Agent, having passed a three-part comprehensive IRS exam covering individual and business tax returns. Tim is an active community member; he provides pro bono financial advice to those in need, as he feels strongly that everyone should have the opportunity to benefit from unbiased financial advice.

When not working, Tim can be found listening to St. Louis Cardinals baseball on the radio, watching his alma mater Missouri Tigers, or enjoying the outdoors with his wife and two young sons. You might also find him putting his amateur carpentry skills to use around the house.