financialteamPiece by piece, evidence has begun to accumulate that after four years of lackluster performance, the U.S. economy is on track for stronger growth than many people had expected. The Great Recession of 2007-08, the steepest downturn since the 1930s, has been followed by a slow and steady recovery. Now is the time to formulate your financial game plan for the future. Like finding the perfect mate, finding the right financial team can be tricky, especially if you lack experience. Monthly proudly presents the following financial experts of the Lowcountry.






Back Row: Nick Kristoff NMLS #379253, Tanner Ware NMLS #278238, Torrey Glass NMLS #71570, Mark Kombrink NMLS #191095. Front Row: Brian Neumann NMLS #174105, David Crowell NMLS #12620, Susan Smith NMLS #278903, Mike Kristoff NMLS #377707.

Serving Hilton Head since 1997.
We have over 120 years of combined experience.

MORTGAGE NETWORK, INC. IS A PRIVATE MORTGAGE BANKING COMPANY FOUNDED IN 1988. We offer an extensive variety of innovative mortgage programs. We have over 40 regional lending offices throughout the eastern United States; bringing national power with local control. We are an independent local lender with local operations providing exceptional service in the home financing process. We are committed to the highest level of customer service, which is reflected as we consistently surpass over 98% customer satisfaction rating. We understand a mortgage is a pivotal component to you overall financial strategy. Our goal is to assist your in making the best decision that fits your individual needs.

Our team prides themselves on being active contributors to our community through charitable affiliations, sponsorships of many local events and service organization memberships. Here’s what one of your neighbors said about their experience with Mortgage Network: “Friendly and helpful, hard to believe they could get any better. Superb people!”mortgage

We would love to get to know you today!

The Village at Wexford | 1000 William Hilton Pkwy., Suite 205 | Hilton Head Island, SC 29928




Local. And Proud of it.®

What we do
“Local Banking” is a personal choice. Providing best in class local banking products and services, in an energized workplace, by highly  qualified bankers is what we do. We have strong capital ratios and ample funding to offer loans and make every effort to tailor banking for the qualified members in our community.

We offer the following comprehensive menu of banking and related products and services backed by a quality and service ethic unmatched anywhere in the Lowcountry:

  • Small Business, Commercial and Personal loans
  • Local Residential Mortgages
  • Wealth Management Services offered through CoastalStates Wealth Management of Raymond James.
  • Business and Personal Checking Accounts
  • Business and Personal Savings Accounts
  • Treasury Services
  • Merchant Services

How we Help
We’re Beaufort County’s largest locally owned private community bank made up of local bankers who have lived and worked in the Lowcountry for years. We help by listening very hard to what you say and what you need. We then use our knowledge of the local businessplace to fashion a customized local solution just for you. Since we’re THE local bank, decisions are made locally, very quickly and with an understanding of the local marketplace and our customers’ role in it. We appreciate your business. After all, just like you we’re local. And proud of it.

Randy-kdolyniukRandy K. Dolyniuk
Randy Dolyniuk is a 36 year career banker and Founder, Chairman and Chief Executive Officer of CoastalStates Bank. He is a Founder and also serves as Vice-Chairman, President and Chief Operating Officer of the Bank’s holding company CoastalSouth Bancshares. Inc., as well as Chairman of the Bank’s wholly owned subsidiary, Homeowners Mortgage Enterprises, Inc. He is a graduate of the University of Georgia with a Bachelor of Arts in Business Administration and Finance.

James S. Macleod
Jim MacLeod is a 40 year career mortgage banker and a Founder, President and Chief Operating Officer of CoastalStates Bank. He is a Founder and also serves as Chairman and Chief Executive Officer of the Bank’s holding company, CoastalSouth Bancshares, Inc., as well as Senior Managing Director and CEO of the Bank’s wholly owned subsidiary, Homeowners Mortgage Enterprises, Inc. Mr. MacLeod holds a Bachelor of Science in Economics from the University of Tampa, a Masters in City Planning from Georgia Institute of Technology and a Master of Science in Real Estate and Urban Affairs from Georgia State University.costalbanklogo

5 Bow Circle | Hilton Head Island, SC | 843.341.9900 98 Main Street | Hilton Head Island, SC | 843.689.7800

7 Thurmond Way | Bluffton, SC | 843.837.0100 30 William Pope Drive (Sun City) | Bluffton, SC | 843.705.1200



Local People, Local Decisions
Put Customers First With Harbor National Bank’s Mortgage Team

Kieron-OgrLocal knowledge and informed decisions can make all the difference in mortgage lending and that’s precisely how Harbor National Bank (HNB) stepped boldly into the region’s marketplace earlier this fall.

HNB’s mortgage office is located at Shelter Cove and is led by lenders with deep roots in southern Beaufort County. Matt Topping is the VP/Sales Manager. He’s joined by Loan Officers Kieron O’Grady, Tony Leister, and Loan Operations Assistant Teresa Bockman.

“This team is about delivering customers local expertise, attention to detail, and prompt and professional service.” said Topping.‰ “In today’s marketplace, you want a lender who understands you and the property you’re buying.‰We have a unique and diverse market here in Hilton Head.‰ Lending is not a “one-size-fits-all” business. Flexibility is key and individual needs are important to us.

“We also have the ability to lend all over the country which adds a unique option,” he said. “HNB is a boutique lender that offers all of the local knowledge you require, backed by the ability to truly help you with your all of your lending needs, wherever those needs may arise.”

HNB earns a high ranking as a community bank with assets of more than $281 million, coming off a record profit in 2012. They are based in Charleston, SC with four branches, two mortgage division offices and profitable growth since its founding in 2006.

harbor23B Shelter Cove Lane, Suite 201
Hilton Head Island, South Carolina 29928




Helping clients navigate the financial landscape.

polaris02While many economic periods in history have been challenging, the need for a comprehensive financial plan has never been more important than it is today.‰ Likewise, the need for a qualified, experienced financial team to assist in the development and nurturing of that plan is paramount.‰ Polaris Capital Advisors, established in 2009, is an independent, boutique wealth management firm based on Hilton Head Island, that combines the high-touch, pro-active private wealth management services of a small advisory practice with the depth and breadth of resources of a large, full service firm.‰ From investment advisory to retirement income planning, education, insurance and tax planning, the professionals at Polaris help clients to develop, implement, and monitor a risk-appropriate plan to achieve their financial goals.‰ They also work frequently with individuals and couples going through divorce, helping them and their attorneys analyze financial data and develop financially sound settlement solutions.

Emily Johnson, CFP® and Founder, is a former investment banker.‰ She is a graduate of The University of Texas at Austin, holds an  MBA in Finance from the Moore School of Business at USC, and has earned the Certified Financial Planner, Chartered Financial  Consultant, Chartered Life Underwriter, and Certified Divorce Financial Analyst designations.‰

Todd McGarity, investment manager, has over 20 years of experience providing investment management services with Merrill Lynch and Wachovia.‰ Kimberly Friedmann, a graduate of the University of Alabama, serves as the firm’s client services specialist and office manager.polaris

23B Shelter Cove Lane, Suite 401
Hilton Head Island, South Carolina 29928




The Stuckart, Ruckno Group makes it our goal to add value through a strong client-advisor relationship and by providing each client with access to the most appropriate financial resources available in the marketplace.

merrilOur team focuses on helping a select group of high net worth individuals and retirees manage all aspects of their financial lives. From topics ranging from implementing tax-efficient strategies for concentrated stock positions to retirement income planning, we work with our clients so that we may develop a plan which appropriately allocates their assets based on their needs and risk tolerance.

We initiate our planning-based discussion around your financial needs, your short and long-term objectives, your time horizons and your risk tolerance. By customizing a wealth management plan for you, we are looking to assist you in your achieving your financial goals. We often partner with your tax and legal advisors to develop tax-efficient strategies that will optimize your financial situation.

By putting a plan in place first, we help our clients gain control of the emotions surrounding investment decisions. This planning step is helpful in allowing our clients the ability to visualize eventualities and then be better positioned to see the consequences under various scenarios. Constructing the plan allows our clients to ability to really understand what they own, thereby helping them spot the real risks and possible blowups that may affect their families finances.

Once your wealth management plan has been implemented, we will periodically review your plan’s progress with you to make certain that its strategy remains aligned with your overall financial needs. By having a plan and a process in place we will be less affected by external event driven decisions.

Marc Stuckart, Jr. - First Vice President - Wealth Management
Marc Stuckart, Jr. originally from Dunmore,PA., received his Bachelors of ScienceDegree in 1978 from the University ofScranton in Scranton, PA. Upon graduation,Marc was commissioned an officer in theUnited States Marine Corps, attaining therank of Captain before leaving the MarineCorps in 1984, when he began his currentcareer in the financial services industry. Marcand his wife Joan, live in Spanish Wells. 

David Ruckno - Vice President
David Ruckno, born in Kingston, PA attended the University of Pittsburgh.. David was also a member of Delta Tau Delta Fraternity before graduating with a dual degree in Business and Economics. David lives in Spanish Wells with his wife Kelly, and three children: Emily, Alex, and Alyssa.

Pamela Passananti -Client Associate
Pamela Passananti celebrated her 13 yearanniversary with Merrill Lynch this year.She began her career with Merrill Lynch insouthern California. Shortly after moving toBoca Raton, Florida where she transferredand lived for 6 years. As of 2006 she, herhusband Anthony, and dog Harley havecalled the Lowcountry there home. Shebegan working with the Stuckart RucknoGroup as Client Associate in 2009 soon afterthey joined the firm.merrilllogo

1 Chamber of Commerce Drive | Hilton Head Island, SC 29928




You can rely on Yadkin Bank for comprehensive solutions that address your financial  needs in a caring, customer-friendly environment.

yadkinFor more than 40 years, Yadkin Bank has worked to provide our customers with the highest level of service, and we are still working to earn your business every day. We are a true community bank, with 40 branches and nearly 500 employees across 14 counties in North and South Carolina. As a community bank, we take an active role in every community we serve. We know our customers as our friends and neighbors, just as they know us.

Our Hilton Head mortgage office is headed by Ed Brown who has been a resident for over 20 years and has served this community in  numerous ways. Ed was formerly the Chief Lending Officer with Lighthouse Community Bank and President of Harbourside Community Bank. He has an extensive background in mortgage and construction financing.

Joan Sherwood and Doreen Haughton James are Senior Loan Officers in the Hilton Head branch and both ladies also are long time residents as well as very experienced mortgage loan officers. They have extensive backgrounds in mortgage lending as well as serving in the community. Joan was formerly with Lighthouse Community Bank and SunTrust Mortgage. Doreen was formerly with American Home Mortgage and RBC Bank.

Yadkin Bank’s vision, mission, and values comprise the goals and standards we’ve set for ourselves, and they serve as the foundation  for everything we do as an organization. In all that we do, we are committed to exceeding the expectations of our customers, our employees, and our shareholders. Come and see what community banking in the Carolinas is all about. We look forward to serving you.yadkin-logo

1040 William Hilton Pkwy., Ste. 104
Hilton Head Island, South Carolina 29928

843.785.2880 | YADKINBANK.COM





Although making resolutions to improve your financial situation is a good thing to do at any time of year, many people find it easier at the beginning of a new year. Regardless of when you begin, the basics remain the same. Here are three keys to getting ahead financially.


It sounds simplistic, but many people struggle with this first basic rule. Make sure you know what your job is worth in the marketplace, by conducting an evaluation of your skills, productivity, job tasks, contribution to the company, and the going rate, both inside and outside the company, for what you do. Being underpaid even a thousand dollars a year can have a significant cumulative effect over the course of your working life.

No matter how much or how little you’re paid, you’ll never get ahead if you spend more than you earn. Often it’s easier to spend less than it is to earn more, and a little cost-cutting effort in a number of areas can result in big savings. It doesn’t always have to involve making big sacrifices.


One of our favorite subjects: budgeting. It’s not a fourletter word. How can you know where your money is going if you don’t budget? How can you set spending and saving goals if you don’t know where your money is going? You need a budget whether you make thousands or hundreds of thousands of dollars a year.


Credit card debt is the number one obstacle to getting ahead financially. Those little pieces of plastic are so easy to use, and it’s so easy to forget that it’s real money we’re dealing with when we whip them out to pay for a purchase, large or small. Despite our good resolves to pay the balance off quickly, the reality is that we often don’t, and end up paying far more for things than we would have paid if we had used cash.