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Randhir S. Judge, F.L.I.A., LUTCF.
President and CEO
Randhir Judge is a veteran of the Financial Services and Insurance Industry for over 28 years. He has international experience in the areas of personal and business planning, wealth accumulation, preservation and transfer strategies. His clientele include high net-worth individuals, closely held corporations and Fortune 500 Corporations. He has been a member of The Top of the Million Dollar Round Table (the Premier Association of Financial Professionals) for several years, and is a Fellow of the Life Insurance Association as well
as a Fellow of the Life Underwriting Training Council. Apart from having been Secretary and Treasurer for the local chapter of National Association of Insurance and Financial Advisors (NAIFA), he is currently its President. He is a moderator for the American College and has been teaching classes in the areas of Financial, Insurance and Retirement Planning since 1993. He has been a featured speaker in the areas of Financial, Estate and Retirement forums in four continents.
He is a founding member of The Indus Entrepreneur, a volunteer organization with over 15,000 members that empowers leaders to excel. He has helped raise thousands of dollars for various charitable organizations. His philosophy of “Karma” has helped thousands of people network and help those that have been less fortunate. To this extent, he is the Chief Instigator and Strategist and is on the Board of a knowledge collaboration and mentoring solutions company that is helping change the world.
Dr. Lance Secretan
Chief Inspirer and Strategic Coach to the JFY Team
Dr. Lance Secretan is one of the foremost thinkers about leadership and an innovator in inspiring people and organizations. The former CEO and acclaimed business school professor, Lance Secretan strives to transform companies and revolutionize the way they think about leadership. He is the best-selling author of 14 books on leadership, an award-winning columnist, teacher, corporate coach and mentor, keynote speaker, retreat leader,
and business advisor. Click here to download Dr. Lance’s detailed bio (PDF).
Chal Daniels
Certified Financial Planner
Chal is a financial planner and the founder of Harvest Financial, LLC, a Registered Investment Advisor. A native of Marin County, Chal earned an undergraduate finance degree and a Masters in Business Administration from Santa Clara University. His professional experience began with financial positions in the wine industry. In 1994, Chal began practicing financial planning in Napa.
Chal serves our high networth clients in the areas of fee-based financia planning, mutual funds and variable asset allocation programs. Chal's philosophy emphasizes carefully getting to know his clients and their objectives via a thorough interview process. Accordingly, our approach requires personal contact throughout each year. His listening and communication skills enable him to ask the right kinds of questions, and he is forthright and honest when it comes to providing answers.
Chal and his wife Nani have five children. He is a member of the Napa Chamber of Commerce and on the California Board of the National Association of Insurance and Financial Advisors. He is also the President of the Volunteer Center of Napa Valley.
Chal is a Registered Principal with First Allied Securities.
Nancy Hairsine
Certified Financial Planner
Nancy handles our fee-based financial planning, mutual funds and variable asset allocation programs. Nancy M. Hairsine, CFP®, founder of Lifetime Planning Advisors, is a Certified Financial Planner™ Practitioner, Investment Advisor Representative and Registered Representative of Foresters Equity Services, Inc. Nancy is recognized as an Ideal Legacy Advisor and a Registered Financial Consultant. She is the current Chairperson (2010) and past president (2009) of the Financial Planning Association of the East Bay and sits on the Board of Directors of the National Association of Insurance and Financial Advisors (NAIFA)
Mt. Diablo Chapter.
With over 20 years of experience in the financial services industry along with her strong service skills and background, she has helped many clients improve their financial outlook. As Lifetime Planning Advisors, it is our goal to provide solutions and direction to support clients through life stages and transitions with care and compassion. Our services focus on the specific and unique needs of our clients as identified through the Discovery Experience Process.
Growing up on a modest farm in southeastern Minnesota, Nancy appreciates hard work.
She understands the importance of preserving capital and assets earned over one’s lifetime. She enjoys the process of helping and coaching clients in identifying their financial needs and takes pride in offering qualify planning to all ages, benefiting them and their families.
Joyce Feldman
Judge A to Z Financial & Insurance Services Inc.
Click here to find out more about our Property & Casualty Insurance offering
Joyce Feldman is a licensed independent Insurance Agent/Broker, who has owned and operated her own property and casualty insurance agency since 2003. She is an expert in the areas of auto, home, personal and commercial liability, workers compensation and professional liability.Prior to becoming an insurance agent, Joyce worked as Director of Support Services for a Workers Compensation Third Party Administrator for 7.5 years, where she managed central operations for 6 offices across California. She also worked for a telecommunications consulting firm where as Director of Client Services she managed the customer service and sales departments for the organization. Joyce lives and works within the City of San Ramon and represents clients all over the California.She is active in the community and on the Board of Directors for the San Ramon Chamber of Commerce.  Joyce is also an active member of theNational Association of Insurance and Financial Advisors (NAIFA).
Sal Censoprano, ATA, CRTP, MBA
Sal Censoprano is a qualified accountant by profession. His expertise includes taxation (Corporate, Individual, Estate and Trust), and accounting systems. Sal has been a guest lecturer and speaker on various accounting and tax topics. He is responsible for all taxation and financial matters of Judge For Yourself, Inc. and has expertise in working with high
net-worth individuals and corporations. His professional affiliations include the National Society of Accountants, Audit Committee of the City of Foster City, Board of Director & Treasurer for St. Ambrose Episcopal Church and Board member of the International Children's Ergonomic Organization. He makes his home in Foster City along with his wife, Linda and three children. In his spare time, he coaches baseball and softball.
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