About

The Wellspring Group

The Wellspring group brings a combined 32+ years experience in the financial services industry to help deliver client solutions tailored to mesh perfectly with a client’s retirement goals.  We work hand in hand with your trusted advisors to expand the options available to retirees today and to ensure the best possible outcome for retirees and retirement lifestyles.

The significance of the name Wellspring lies in the word's definition, which means "a bountiful source." It is our belief that the Reverse Mortgage provides a bountiful source of benefit to today's retirees, providing them access to home equity which strengthens and supports their retirement picture with dramtically improved financial outcomes.

Toney Sebra - CSA, Reverse Mortgage Planner in CA

 Toney Sebra is a Certified Senior Advisor and financial professional with a diverse background of experience in lending, investments and retirement income planning.  Toney was raised and educated in the Central Valley of California where he learned early the value of hard work and how to stretch a dollar.

Toney began his career in mortgage lending in 1998 having passed his California Real Estate Salesperson license, which was necessary at the time to broker mortgage loans. In 2001 Toney changed roles and became licensed as a Financial Advisor while working for WM Financial, a brokerage firm owned by Washington Mutual. As Toney expanded his career he took a position as a wholesaler for WM Group of Funds, a mutual fund company that was a subsidiary of Washington Mutual. During this time Toney honed his skills in the retirement planning processes and helped educate advisors on implementing guarantee solutions for managing portfolio risk and establishing lifetime income for clients at or near retirement.

During the course of over 15 years Toney helped financial advisors create and implement retirement income plans for clients utilizing guaranteed annuity products. Toney has represented major Fortune 500 companies such as Hartford, Nationwide and Symetra in the retirement income space.

After a long stint in the corporate world, Toney made a career change to focus more on his family and reduce the demands for business travel.

Today Toney works as a Reverse Mortgage Advisor. He continues to work closely with Financial Advisors as an extension of their financial planning process for their clients helping design and tailor fit retirement income plans utilizing one of the most versatile and useful financial planning tools available to retirees today, a Reverse Mortgage.

Toney is very passionate about retirement and income planning and has found the Reverse Mortgage marketplace to be a perfect arena for continuing to work in the financial planning community and helping better retirement outcomes for clients.

Toney and his wife Megan live in East Sacramento with their two children Connor and Sonya. 

Toney is a graduate of California State University, Fresno where he received a B.S. in Business Management.

Toney holds a NMLS (Federal and California Mortgage License), Series 7, Series 63 (Securities Licenses), California Life Insurance License, California Real Estate Salesperson license. Toney holds a designation as a Certified Senior Advisor.

Toney is also involved in his community and church, and is a Past President of Point West Rotary in Sacramento.

Josh Blum  - Reverse Mortgage Planner in Florida

Josh has served in numerous roles in the financial services industry and has spent his entire career as a consummate professional in the financial services space.  Born in the northeast and educated at Pennsylvania State University Josh has travelled the country helping clients achieve financial success and helping to train advisors in the retirement income space.

Josh began his journey as a financial advisor after graduating college and in 2007 went to work with a Fortune 100 financial services corporation where he dedicated over a decade of his career to becoming a master wholesaler before broadening his skill set to include the mortgage industry.

As a wholesaler Josh helped educate advisors and clients on topics such as general retirement income planning, demystifying social security, changes in the tax code, health care costs in retirement and the common risks retirees face in retirement.

Serving as a reverse mortgage planning specialist Josh has married his love and expertise for bringing education to retirees in the often ignored home equity conversion space.  Passionate about helping clients achieve their lifelong goals, broadening understanding of an underserved financial toolset and educating the general public on the missing link in their financial picture Josh has embraced his background and works diligently with clients and their trusted advisors to help clients achieve their retirement dreams.

Josh holds his NMLS license, Series 7, Series 66 and multiple state life insurance and variable life licenses. Josh also engages in continuing education of financial professionals and trusted advisors as an ongoing part of his practice and participates regularly in the Greater Fort Lauderdale Penn State Alumni Association.

In addition to his career Josh is blessed to live with his wife Colleen and son Jacob in southern Florida.  While living in the greater Fort Lauderdale area Josh has been able to embrace his love for the water and scuba diving and is constantly searching for rewarding opportunities to engage the community at large.

 


Josh Blum
6750 N. Andrews, Ste. 200 - Office 2110
Fort Lauderdale, FL 33309
cel: 203.648.6060
jblum@rfslends.com

Toney Sebra
201 Creekside Ridge Ct., Ste 100
Roseville, CA 95678
cel: 916.799.6114
tsebra@rfslends.com