Meet the Team
Charles Rosen
President and CEO
Charles P. Rosen is a distinguished expert in employee benefits and financial consulting, recognized both locally and nationally. He has previously co-hosted a talk radio program on a local AM station, covering a variety of topics. Currently, Charles serves as a National Legislative Council Member for the National Association of Benefits and Insurance Professionals (NABIP) and is a Past-President of the California State Chapter of NABIP. His extensive work focuses on health care reform legislative issues and their fiscal impact on government and business. Charles has played a pivotal role in shaping health care policies, ensuring they are both effective and sustainable. Additionally, he has contributed to various Business and Consumer Advocacy Committees for local Chambers of Commerce and has served as an expert witness for health insurance-related issues.
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For over 20 years, CPR Financial & Insurance Services, Inc. has employed a creative approach to develop solutions for businesses and individuals that are not only cost-effective but also save time in administration and ensure compliance in today’s ever-changing landscape.
With sound and prudent advice, CPR has successfully navigated some of the most turbulent times in recent history. We understand that investing is a marathon, not a sprint. We work collaboratively with our clients, prioritizing their needs. In managing investments in this volatile environment, we are dedicated to taking care of our valued clients.
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Charles earned his degree from Otterbein University, one of the top private colleges in the country. He has served on various boards of directors for the Boys and Girls Clubs and Youth Baseball Leagues. In his free time,
Charles enjoys playing competitive tennis, cooking, and savoring a nice bourbon with friends and family.
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Charles and his wife Andrea reside in Prosper, Texas, with their three sons.
Vincent Lombardo
Investment Advisor Representative
Vincent Lombardo has been working in the financial services industry for over 25 years. He holds multiple licenses in both insurance and securities including the Series 65 and General Lines Insurance products including life and health. He is licensed to transact business in Arizona, California, Colorado, Connecticut, Georgia, North Carolina, Oklahoma, Pennsylvania, Tennessee, and Texas.
Vincent started his career in South Florida as a registered rep for a national broker/dealer and expanded into the property and casualty arena. The agency was expanded to multiple locations and in 2010 Vincent sold his interest to relocate to North Texas to concentrate on the advisory business.
He has since become a leader in the small to mid-sized business retirement planning space, specializing in 401(k) construction and most other business-sponsored plans. Versed in the complexities of ERISA and fiduciary issues inside employer sponsored plans has placed him in demand as businesses try to maneuver through the plan sponsor liabilities.
Vincent studied economics at Broward College and has kept a spotless record of acting in his client’s best interests and acts as a fiduciary.
Vincent and his wife Christina have two children and reside in Frisco, Texas.
Manuel Menendez
Investment Advisor Representative
Manny Menendez has been involved in the financial services industry for over 27 years. He has extensive knowledge in most financial topics due to the fact that he has been licensed in mortgages, real estate, securities, and a few other financial areas over his career. He currently holds multiple licenses in both insurance and securities including the Series 65 and General Lines Insurance products including life and health.
Manny has mastered the Financial Planning arena and believes in the “client first” approach. Manny’s main focus is making sure that his clients get the best service and the best products for their needs by using his vast experience and knowledge acquired over his 27 years of serving his thousands of clients. His focus and specialty are helping clients achieve their goals in financial planning whether they are a family getting their finances in order or a small or large business seeking to develop a retirement strategy for their employees.
His decision to join CPR Financial and Insurance Services, Inc. was based on the outstanding leadership and industry knowledge of Charles Rosen. CPR Financial allows our clients to be nimble no matter what market conditions exist. Manny also runs and operates the Doral, Florida CPR Financial & Insurance Services, FL Branch Office.
Manny studied and received his degree in Finances from Florida International University and Miami Dade College and has kept a spotless record of acting in his client’s best interests for over 27 years.
Manny and his wife Yoly have one son and reside in Miami Beach, Florida.
Amy Hall
Investment Advisor Representative
Amy Hall is a TX licensed life insurance agent and is also an accounting/tax professional with more than 18 years of experience. Her experience includes a diversified portfolio of tasks including client monthly write-ups, financial statements, and creating and processing payroll accounts. She is also well versed in preparing and filing personal and corporate tax returns.
Amy earned her Bachelor of Science in Accounting while attending the University of South Florida, where she was also a member of Beta Alpha Psi, an international honor organization for accounting, finance, and information systems students.
Amy gained versatile experience while working for an international company handling the payroll for over 100 employees nationwide. She has also been responsible for over 20 different clients and their payroll services: processing payroll schedules, preparing and filing payroll tax forms as well as setting up direct deposits and other employee benefits packages.
Amy along with Chris, her husband, and 2 daughters live in Little Elm, TX
Paul Ramirez
Sr. Independent Agent
Paul Ramirez has been in the insurance industry for almost 10 years. He has the experience and knowledge of commercial, personal, and life insurance as a captive and independent agency owner. He has been licensed in mortgage and real estate and now assists clients in California and Texas with their personal and commercial insurance needs while working closely with the CPR Advisory team.
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Paul firmly believes in “doing what is best for the client” and educating how to use insurance as part of their financial planning. Paul specializes in transforming insurance needs to work as one with financial needs and retirement goals. As an independent insurance agent, he believes in the power of choice and leveraging that choice to help clients organize risk management solutions that provide growth and opportunity. Paul aims to ensure our clients have adequate asset protection that guards their portfolios against unexpected events.
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Paul has an MBA and BS in Business Management and has served on numerous boards and committees while coaching competitive baseball for almost 20 years.
Paul has 3 children and lives in Gainesville, Texas.