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Our team of over 200 agents and advisors nationwide are not only known for their financial experience in insurance and asset management, they have a reputation for outstanding service. Every one of us is dedicated to providing you an "over the top service", no matter your situation.



Daniel Asti, Managing Partner

With an illustrious career spanning over 35 years, Dan Asti has emerged as a distinguished figure in the financial services industry, renowned for his commitment to client well-being and innovative approaches to training and growth. His journey began in the commercial advertising business, where he not only set sales records but also established a reputation for recruiting excellence that resonated nationwide.

In 2006, Mr. Asti transitioned into the insurance and financial services sector, laying the foundation for Team Dream Financial, a venture that would evolve into the thriving entity known today as Alto Financial Group. Over the past fifteen years, he has played a pivotal role in the company's growth, transforming it into a powerhouse with over 200 agents and advisors spread across 28 states, focusing on the public employee sector within the financial services industry.

One of Mr. Asti's key contributions lies in the development of innovative training systems. These systems have not only empowered Alto Financial Group's agents and advisors but have also fostered a culture of continuous improvement and client-centric service. Through his leadership, Mr. Asti has propelled the organization to new heights, ensuring that the team is well-equipped to navigate the complexities of the financial landscape and deliver unparalleled service to clients.

Dan's commitment to education and service is reflected in his mission: to change the way people are treated in the financial industry. For him, it's not about sales; it's about providing genuine service and education that transcends traditional client-advisor interactions. This philosophy has not only shaped the ethos of Alto Financial Group but has also set a standard for ethical and client-focused practices within the industry.

Holdings a Series 65 license, along with life insurance and fixed annuity licenses in 17 states, Mr. Asti remains at the forefront of industry compliance and expertise. As an Investment Advisor Representative offering advisory services through Encompass More, it's clear that he is dedicated to upholding the highest standards of professionalism and integrity.

It's worth noting that while Dan Asti's commitment to service remains unwavering, he ensures transparency by highlighting that Encompass More, through which he offers advisory services, is not affiliated with Alto Financial Group. This commitment to transparency underscores his dedication to providing clients with unbiased and objective financial guidance.


Benjamin Hulburt, Managing Partner


With over two decades of entrepreneurial and financial expertise, Benjamin Hulburt stands as a dynamic force in the business world, recognized for his exceptional leadership in building and growing successful enterprises. Mr. Hulburt's illustrious career is marked by the founding and expansion of two publicly traded companies, both of which have flourished into multi-billion dollar entities.

A seasoned professional with a unique skill set, Mr. Hulburt brings a wealth of financial markets experience to his role at Alto Financial Group. His impressive track record includes steering two initial public offerings on both the NYSE and the NASDAQ, overseeing numerous secondary public equity offerings, private debt offerings, public debt offerings, and private equity fundraising efforts. Additionally, he has played a key role in orchestrating various mergers and acquisition transactions, showcasing his versatility and strategic acumen.

Before making his mark in the business world, Mr. Hulburt commenced his professional journey as an active duty commissioned officer in the United States Army, eventually leaving the service with the rank of Captain. This early experience instilled in him a sense of discipline, leadership, and determination that would prove invaluable in his subsequent entrepreneurial ventures.

Mr. Hulburt's contributions extend beyond the boardroom, as evidenced by his role as a Director of Rex Energy Corporation (NASDAQ) from March 2007 to October 2010 and as Chairman of the Board of Eclipse Resources Corporation (NYSE) from 2015 to 2019. His strategic guidance and leadership have left an indelible mark on the companies he has been associated with, contributing to their growth and success.

A proud alumnus of Pennsylvania State University, Mr. Hulburt holds a Bachelor of Science degree in Finance. His academic foundation, coupled with his wealth of practical experience, positions him as a well-rounded leader with a deep understanding of financial dynamics.

Mr. Hulburt's achievements have not gone unnoticed, as he was awarded the Ernst & Young Entrepreneur of the Year in 2010 in the Western Pennsylvania region. Furthermore, Fortune Magazine recognized his outstanding contributions by naming him one of the Top 40 Executives Under 40 in 2013.

Benjamin Hulburt's commitment to excellence is further demonstrated by his maintenance of Series 65 license as well as life insurance and fixed annuity licenses in 26 states.

Danielle Asti, Vice President of Operations

Danielle Asti has over 19 years experience in financial services operations management. Mrs. Asti is responsible for managing the company's operations team including agent relations, contracting, training and human resources departments.   Mrs. Asti has been instrumental in the creation and administration of Alto University, the company's proprietary training academy.  Ms. Asti ensures our agents have a seamless business operation as well as serving as the President of Alto University, our unique training system that has led well over 100 agents succeed through our unrivaled training courses.   She attended Point Park University's Conservatory of Performing Arts as a Film Major.


Amber Alguire, Partner


In 2011, Amber Alguire embarked on a transformative journey into the financial services industry, marking the beginning of a career dedicated to helping individuals and families shape the legacies they envision and attain the retirement lifestyles they long for. As a specialist in financial planning, Amber brings a unique blend of empathy, expertise, and a genuine commitment to understanding and fulfilling her clients' personal needs and goals.

Amber's clients choose her as their trusted advisor not only for her financial acumen but also for her genuine care and attentive approach. She goes beyond the numbers, taking the time to truly listen to what matters to each individual and family. This client-centric philosophy forms the cornerstone of her practice, as she believes that a personalized and comprehensive understanding of her clients' aspirations is essential for creating tailored retirement plans.

Central to Amber's approach is the belief in the power of education. By empowering her clients with knowledge, she ensures they have the best understanding possible to make informed decisions about their financial future.

Amber is a firm advocate for seeking professional financial advice, emphasizing, "It's important to contact a Financial Advisor for the exact reason I stated above." Recognizing the complexity of saving and retirement planning, she encourages individuals to leverage the expertise of financial professionals who can guide them through the myriad options available.

A graduate of Towson University, Amber holds dual Bachelor's Degrees in Accounting and Finance, providing her with a solid academic foundation for her role as a financial advisor. As an Investment Advisor Representative, she offers advisory services through Encompass More, underscoring her commitment to upholding the highest standards of professionalism.

Amber's dedication to transparency is evident in her disclosure that Encompass More, through which she offers advisory services, is not affiliated with Alto Financial Group. This commitment ensures that her clients receive unbiased and objective financial guidance.

Maintaining life insurance licenses in multiple states—CA, FL, MD, VA, DC, NC, NJ, SC, DE, GA, PA—demonstrates Amber's commitment to staying compliant with industry regulations and serving clients across diverse geographic locations.

Beyond her professional endeavors, Amber resides in Harford County, Maryland, with her husband Jedidiah and their two children. Her personal and professional life intertwine as she continues to make a positive impact on the lives of her clients, helping them navigate the journey toward a fulfilling and secure retirement. Amber Alguire's biography is a testament to her passion for client success, education, and the creation of lasting financial legacies.

Larry Daniels, Partner


In 2012, Larry Daniels embarked on a mission to revolutionize financial services for public employees, drawing upon his unique first-hand experience as a former public servant. His journey, rooted in addressing the lack of education prevalent in the workplace, has positioned him as a transformative figure in the industry.

Larry's professional background as a contracts attorney for the largest municipality in New Jersey provides him with a distinctive perspective. Working as part of a team responsible for negotiating contracts with major utility companies, managing public bid processes, and drafting legislation, he gained a comprehensive understanding of the intricacies of the public sector. Larry's role often involved auditing the application of public bid formulas, ensuring accuracy and fairness—an experience that shaped his commitment to transparency and equity.

Larry's academic journey laid the groundwork for his multifaceted career. He earned his Bachelor of Arts degree from Stockton University before obtaining his Juris Doctorate from the Drexel University School of Law. This dual educational background equips him with the skills necessary to navigate both legal complexities and financial intricacies in the service of his clients.

Beyond his work in financial services, Larry is deeply committed to giving back to the community. Serving in various pro bono roles for several nonprofits as an attorney, he exemplifies a dedication to social responsibility and community welfare.

As an Investment Advisor Representative offering advisory services through Encompass More, Larry maintains a commitment to professionalism and transparency. Notably, he emphasizes that Encompass More is not affiliated with Alto Financial Group, ensuring clarity in the relationship between advisory services and the broader financial organization.

Larry holds life insurance licenses in multiple states—New Jersey, New York, Massachusetts, Connecticut, Michigan, Louisiana, Texas, and Georgia. This extensive licensure underscores his commitment to serving clients across diverse geographic regions while remaining compliant with regulatory requirements.


Chelsea Dusi, Partner


With a wealth of experience spanning over two decades, Chelsea Dusi stands as a seasoned professional in sales, service, and customer relations, with a notable decade-long contribution to the financial services and entrepreneurship landscape. Her attention to detail and unwavering commitment to a common purpose have made her an invaluable asset to Alto Financial Group.

In her 10 years within the financial services sector, Chelsea has emerged as a trusted advisor, guiding over 350 clients in customizing comprehensive retirement solutions. Her expertise extends beyond retirement planning, encompassing insurance, future planning, and more. Chelsea's dedication to understanding the unique financial goals of her clients reflects her commitment to providing tailored solutions that prioritize their individual needs.

As a fully dedicated CEO of her household, Chelsea draws inspiration from her primary team—her three beautiful children. Their well-being serves as the driving force behind her commitment to helping others secure their financial futures. Chelsea's family-centric approach not only defines her professional philosophy but also reinforces the importance of a holistic and balanced life.

Beyond her professional endeavors, Chelsea is deeply rooted in her community. Actively engaged in service as a volunteer and a proud member of the Parent Teacher Student Organization (PTSO), she exemplifies the values of community involvement and giving back.

Maintaining life insurance licenses in multiple states—PA, OH, MI, SC, NC, IL, TN—Chelsea showcases her commitment to serving a diverse clientele across different geographic regions. 

Her story is one of professional excellence, community service, and a holistic approach to financial well-being that extends beyond the confines of the workplace.

Cameron Clay, Agency Coach

Cameron Clay is a Pittsburgh, PA. native and Penn State University alum. His financial services career started in 2011, servicing union workers with supplemental life insurance. Frustrated with limited options for his clients, he joined Dan Asti in 2013, and began working in southwestern Pennsylvania offering life and retirement solutions on a much broader scale. He loves working directly with clients, helping to create customized strategies that meet their specific needs. When he’s not helping his clients make and save money, he’s serving as an Associate Pastor at Petra International Ministries and spending as much time as possible with his wife and children. He believes that we get the best out of life when we remain committed to help others along the way. Mr. Clay received his Bachelor of Arts degree in Journalism from the Pennsylvania State University. He is an Investment Advisor Representative, offering advisory services through Encompass More. Encompass More is not affiliated with Alto Financial Group. He maintains his life insurance and fixed annuity licenses in PA, MD, VA, TN, AL, and GA.

 Gene Harris, Agency Coach

Gene has over 30 years of financial, entrepreneurship, service, management & customer relations experience helping clients. He specializes in helping people and families create the legacy they want and have the lifestyle they long for in retirement. He prides himself in providing over the top customer service by helping to educate his clients on their current plans as well as options for them. Mr. Harris is an active member of his community by being the HOA President for both the community and house associations along with being on the local private swim club board. He currently holds life insurance and annuity licenses in MD, PA, NJ, DE, WV, VA, DC, GA and TX. Mr. Harris resides in Montgomery County, Maryland, where he lives with his wife, Theresa, and his son Michael.

Eric Harkins, Agency Owner 

Eric has worked in the financial services industry for more than 14 years and is passionate about helping his clients secure their financial future.  He is currently licensed in twelve states.  He holds a bachelor degree in Law/Justice from Rowan University.  Mr. Harkins resides in Salisbury, MD. with his wife and enjoys historical research and woodworking.

Debbie Starkey, Agency Owner

Debbie has been serving clients in the greater Northwestern states for more than 26 years. She holds a Series 7 Securities license along with Investment Advisor Representative and Life and Annuity licenses which allow her to counsel clients in all aspects of their financial plans. Debbie’s expertise is truly listening to the client’s goals and concerns, paying special attention to the details that are so important to them. She has many years of experience in helping clients from the public sector, government sector, the self-employed and small business owners. She understands and takes seriously the very important role she plays as the financial professional in the lives of her clients. It is important to Debbie that her clients understand the full ramifications of each financial decision they institute. Debbie is active in many volunteer positions at her church and in the local community. Debbie resides in Lincoln County, Washington and enjoys the great outdoors with her husband Bob and her kids and 5 grandchildren. As an Investment Advisor Representative, advisory services are offered through Encompass More. Encompass More is not affiliated with Alto Financial Group. She maintains her life insurance and annuity licenses in Washington, Oregon, Texas, Colorado, Tennessee, and Connecticut. 


Jamie Roth, Agency Owner 

Mr. Roth has been helping families in the financial services realm since 2013. He is passionate about assisting his clients in all aspects of retirement planning such as State pension, social security, voluntary retirement accounts and life insurance. He takes pride in patiently educating his clients in the crazy world of retirement planning. His goal is to explain retirement planning in a clear, easy to understand way so that his clients can make a well-educated decision for their future. Jamie resides in Adams County, PA with his wife Kristin and their 5 boys.

He currently holds his state licenses in PA, MD, VA, OH, GA, DE, and MN.  

Shaun McCarty, Agency Owner 

Shaun McCarty is focused on education and helping families achieve their desired retirement lifestyles and create their legacies. Mr. McCarty is great at this role because he cares about their personal needs and goals. His clients repeatedly state how he broke down their retirement into simple, discernible ideas. He is dedicated and driven, overcoming any obstacle that has been put in his way to make sure that his clients are well served. Mr. McCarty comes from a restaurant management background, where pennies really do count. He learned budgeting by costing out menus for multiple restaurants as well as working on monthly profit and loss sheets. Mr. McCarty is a constant student of his craft and never stops pushing himself to learn the ever-changing industry of finance. 
Mr. McCarty is Life Insurance & Annuity licensed in DC, PA, NC, VA, DE, WV, GA, TX, WS, ID, NA, and Maryland, where he lives with his wife Jennifer, an Occupational Therapist working in a special needs school, and their teenage daughter.

Evan Cargil, Agency Owner 

Mr. Cargill has been serving as a financial professional since 2011 and loves listening to families, their dreams, their concerns, their goals, and working hard together to problem solve, educate, empower, and help them achieve their goals and have peace of mind.  He has a vision, together with his team and partners, to provide the very best service in the industry by taking more time to listen well, educate, and have dozens of carriers available to best achieve the dreams of his clients. He lives in the Washington DC area together with his wife and daughters, but serves throughout the Mid-Atlantic region and across the nation.

Trent Cunningham, Agency Owner 

With over 10 years in the financial and retirement planning industry, Trent’s primary focus is to help families retire with the dignity and comfort they started their careers with. He is a thorough educator of the 4 key elements necessary for a secure well rounded retirement. He is constantly praised, by his clients, for how he simplified and educated them on topics his clients weren’t aware of before meeting him. He takes the extra time needed to educate and help clients understand the process. Trent goes above and beyond to create a personalized strategy for each client. Trent has a bachelor's of science degree in Computer Science from University of Maryland.   He finds it very rewarding to protect families from any unforeseen life & health problems and be able to tell a client they can retire and not have to worry about a loss of income in retirement. He holds licensee in PA, DE, MD, DC and VA.


Cort Dial, Agency Owner 

With over three decades coaching top-tier professionals globally and authoring the acclaimed book "Heretics to Heroes: A Memoir on Modern Leadership," Cort transitioned in 2016 from executive consultancy to the realm of retirement coaching. Focusing specifically on individuals approaching retirement or those already retired, Cort’s expertise aids those concerned about potential market setbacks, hefty tax burdens, and the daunting possibility of outliving their financial resources. His mission: optimizing the benefits from the hard-earned savings of his clients.

Cort’s unique approach lies in crafting legacies and ensuring a fulfilling retirement lifestyle. He stands out not just for his vast knowledge but for his genuine concern about his clients’ aspirations and his exceptional listening skills. He emphasizes the importance of an informed retirement strategy, drawing attention to the common tendency of individuals to emulate the retirement plans of previous generations out of unawareness of the myriad of options available today. In his words, “Most approach retirement mimicking their ancestors simply because they aren’t acquainted with the diverse opportunities at their disposal."

Holding a bachelor’s degree in engineering from Oklahoma State University, Cort is now recognized as a prominent Wealth and Retirement Coach. He extends his advisory services through Smarter With Money, LLC. Licensed across numerous states including AZ, CA, FL, GA, LA, MS, MO, NV, OK, PA, TX, and VA, Cort is widely accessible. He currently resides in Round Rock, Texas, a stone's throw from Austin, sharing his home with his wife, Julie, and enjoying their children Katy, Trent, and Charlie, and their beloved grandchildren Max, Jake, Evie, and Peter.


(1) Our financial advisors are investment advisory representatives of Encompass More Asset Management LLC ("Encompass More").   Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.  Alto Financial Group is not affiliated with Encompass More. Encompass More Form CRS