Traditionally associated with older people or wealthy families, estate planning may seem like something not for young families. However, it is an essential financial strategy that every young family should consider. Early planning can provide financial independence [...]
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Retirement is a stage in life that many look forward to. However, it comes with its own set of financial challenges, among them being the handling of taxes in retirement. Contrary to popular belief, tax responsibilities do [...]
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Life insurance is a fundamental and essential component in any comprehensive financial plan. It instills a sense of security in the policyholder and their dependents. […]
Long-term care is an essential component of healthcare that aids individuals who are physically or mentally incapable of independent living. While it may seem daunting, the benefits of long-term care can significantly enhance the quality of life [...]
National Financial Freedom Day is an annual observance held on July 1st. It encourages and promotes financial responsibility among individuals, families, and businesses. […]
The IRS regularly introduces modifications to tax laws, and understanding them and their potential aftermath is crucial. One of the critical IRS update for 2025 may impact estate planning, those who inherit, and the amount of taxes [...]
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Office Manager
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Director Insurance
With eight years of experience in the retirement space, Thomas Murphy has helped thousands of families navigate the complexities of retirement planning. He's been a part of over $1 billion worth of retirement transactions, making him an expert in managing sequence of return, longevity, and inflation risk through personalized private
pensions. Beyond his financial expertise, Thomas serves as a board member for multiple philanthropic organizations dedicated to improving youth crisis intervention and promoting financial literacy among underprivileged youth.
Thomas lives in Mount Pleasant, South Carolina, where he enjoys the charm of the low country, taking leisurely walks on the beach, and savoring the local cuisine.
CEO
Maria Elena Espindola was born in Mexico City but she has lived in the US, England, and France for over two decades. She currently resides in Atlanta, GA and Merida, Mexico.
After graduating Suma Cum Laude from the renowned Universidad Panamericana in Mexico City with a five-year Degree in Finance and Accounting, she worked in several Financial Institutions until 1990 when she became a principal partner and owner in a Leasing Company where she was in charge of the accounting/finance and administrative aspects of it.
After starting a family in 1995 she moved to New York, London and Paris for 15 years combined at the same time working for The Cielo Group , an Atlanta, Georgia-based company whose main objective is to aid businesses by providing advisory, recapitalizations, and active
management services. Maria Elena's native language is Spanish; she is bilingual in English and fluent in French.
Chairman
As the founder of Cielo Partners, an investment and advisory
company, Scott Wilkins brings over three decades of experience in
analyzing and strategizing the financial aspects of companies across
the United States, Europe, and Latin America. His background as a
former Wall Street sell-side analyst and entrepreneur gives him a
comprehensive understanding of the value creation process for public
and private entities.
Scott's international experience, which includes living and working in
major global cities, allows him to apply a broad and diversified
perspective to his work. He holds a Master's in Business
Administration from the London Business School and speaks Spanish
and French fluently.
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