Meet Our Team


Meet Our Team

As independent financial professionals, we have the freedom to provide diverse guidance and insight to our clients. Your goals are unique, so we develop a financial plan that focuses on helping you accomplish your personal goals. Accordingly, our approach pursues an in-depth understanding of your financial situation and the personal values you hold as they relate to your investment plan. This approach allows us to forge a strong partnership with you and to assist you as we strive to turn your dreams into reality.


Richard G. Hana, CLU®, ChFC®, AIF®


Richard has been successfully administering sound financial guidance and wealth management strategies for his clients since he started his career in 1975!

Richard has obtained and sustains three professional designations: Chartered Life Underwriter® (CLU®), Chartered Financial Consultant® (ChFC®), and Accredited Investment Fiduciary® (AIF®). He also holds the FINRA Series 6, 7, 24, 63, and 65 securities registrations through Commonwealth Financial Network® and the Florida life, health, and variable products license. Additionally, Richard is an Investment Adviser Representative of Commonwealth Financial Network®, Member FINRA/SIPC. Richard is also a proud alumnus of the University of Florida, where he earned his bachelor’s degree in business administration—GO GATORS! 

Richard is a charter member of PACE (Professional Achievement in Continuing Education), and he is affiliated with the Jacksonville chapter of the Society of Financial Service Professionals, where he once served as president. Richard is also a former president of the Ponte Vedra Beach Rotary Club and served on the board of the Beaches Museum and History Park. In addition, Richard shares his financial expertise by conducting seminars at the University of North Florida and Florida State College at Jacksonville. Living at the beach, Richard provides support to local surf contests and charities by being a proud member of The Wavemasters Society.

RGH and Hope Crop


Richard is a lifelong resident of Jacksonville, Florida! He grew up in the Jacksonville Beach community and currently lives in Ponte Vedra with his beautiful wife of over 50 years, Hope. Richard and Hope shared the enjoyment of raising two amazing kids! Their daughter Elizabeth relishes in the Jacksonville Beach lifestyle just like her parents, while their son Greg resides in San Diego, California, enjoying the surfing lifestyle on the West Coast! Richard and Hope are also proud grandparents to grandson Declan and loving every moment!

Richard has an appreciation for the ocean, and he thrives in riding the waves he loves! He has been surfing for years and has now taken on a new challenge in stand-up paddle boarding (SUP)! Richard loves to golf, but is by no means a scratch golfer! He enjoys hitting the greens and perfecting his game at the numerous golf courses that can be found at home in Jacksonville and in the Colorado area where he spends time in the summer. Richard and Hope love to travel and have created a lifetime of memories during their excursions throughout the world. 

In Richard’s words, “I have so much to be thankful for.”



Richard G. Hana is proud to have been recognized as a Summit Club advisor for 2017—a distinction based on annual production that places him among the top 23 percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the Registered Investment Adviser–broker/dealer that helps us process investment transactions on your behalf, recognizes Summit Club advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. Summit Club advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients.

Mary L. Cousineau, CRPC®

Wealth Management Advisor

Mary joined the team in 2004, and she is a wealth management advisor. With almost two decades of experience in the financial industry, I've had the privilege of helping
individuals and families transform their financial landscapes. I understand that financial well-being is about dreams, aspirations, and achieving milestones. My approach is rooted in
personalized strategies that align with your unique goals, whether you're planning for retirement, growing your investments, or safeguarding your assets. I received my Bachelor of Business Administration specializing in finance from Saginaw Valley State University in Michigan — Go Cardinals! I currently hold the professional designations Accredited Investment Fiduciary® (AIF®) and Chartered Retirement Planning Counselor (CRPC®), which allow me to help individuals focus on retirement planning. I also hold the FINRA Series 7 and 66 securities registrations through Commonwealth Financial Network® and the Florida life, health, and variable products license. Additionally, I am an Investment Adviser
Representative of Commonwealth Financial Network, Member FINRA/SIPC.



When I am not working with clients, I love going on adventures with my family. I married my high school sweetheart, Jesse, in 2003. Together we share the joy of raising our 3 children — Isabella, Scarlett, and Sebastian. I also enjoy baking sweets, traveling, and being outdoors spending time at the beach, gardening, or kayaking. When I am not with family or friends, I
volunteer my time as a Girl Scout Leader. I am also a member of the JAX Chamber and the Professional Women’s Council (PWC).

Stephanie A. Williams, FPQP

Director of Business Operations


Stephanie has been a part of the team since 2011. She has found her passion in the financial field and holds the FPQP® designation, which she obtained at the College for Financial Planning. Her role as the director of business operations allows her to collaborate with clients, determining their financial goals. Stephanie has well over 20 years of experience in customer relationship management, which benefits HFG in facilitating their top priority—building long-term relationships with their clients! Stephanie’s knowledge of insurance, marketing, social media, event coordination, problem resolution, billing, and sales not only assists their team but also benefits their clients. Stephanie thrives on professional training, ongoing development, and cultivating her knowledge, allowing her to successfully flourish in the financial field!



Stephanie hails from Cape May, New Jersey, and has resided in Jacksonville, Florida, since 1992. She graduated from Duncan U. Fletcher High School in 2001. She has been blissfully married to her husband, Danny, since April 2008, and they have an energetic 14-year-old daughter named Ava, also known as Stephanie’s “mini me”! The Williams family also has two 4-legged children, French bulldogs named Vinny and Nico. Stephanie is a doting mother and wife. She takes joy in spending time with family and friends, traveling all over the southeast with Ava and her travel softball team, and watching college football.