About Us

Richmond Team

Michelle Mast, CFP®, CLU, MBA

Michelle Mast, CFP®, CLU, MBA is a Partner and CERTIFIED FINANCIAL PLANNER professional with Community Financial Group in our Richmond and Emporia offices.

Michelle has over 35 years of experience in the financial services industry, more than 32 of which she has been with AXA Advisors, LLC. Prior to AXA, Michelle had worked at Citibank and Solomon Brothers as an investment Project Analyst and at Ernst and Whinney, CPA’s as a Staff Accountant/Auditor.

As a Financial Professional, Michelle assists individuals as well as corporations on both a personal and corporate level in developing and implementing financial strategies to help them achieve their financial goals. Michelle concentrates on her passion of individual comprehensive financial planning, including retirement planning, asset management, risk management, and college education funding. Michelle’s practice also includes extensive knowledge and experience in individual, senior, and group health insurance and the recent changes regarding healthcare reform and other related employee benefits. She also assists women in financial planning solutions by addressing their specific financial concerns regarding widowhood and divorce.

Michelle has received the title of “Qualified Plan Specialist” based on her successful completion of an internal AXA Advisors training program and written assessment to best assist businesses with their Employer Sponsored Retirement programs, as well as the title of “Retirement Planning Specialist” by AXA Advisors, based upon the successful receipt of a Certificate in Retirement Planning from The Wharton School, University of Pennsylvania for completing the AXA Advisors “At Retirement®” program. Additionally, Michelle has completed an advanced learning curriculum focused on asset allocation and wealth management at the Faculty Club, Harvard University. Michelle was a previous District Manager at AXA of the Referral Alliance Group which works with Accountants and CPA’s to assist their clients with financial services and was one of 30 women selected to participate in the AXA Women’s Council to further women in financial planning and management. Michelle has also co-hosted a local financial news radio show. Michelle has earned a Bachelor of Science Degree in Accounting from New York University, graduating in the top 1% of her class and a Masters of Business Administration degree in Finance from Hofstra University graduating in the top five of her class.

During Michelle’s tenure with AXA Advisors, she has received numerous awards, including being named to the company’s prestigious Hall of Fame and being included in the Circle of Excellence, named a Summit and Centurion Leader, and earning the National Growth award and Hallmark Honors as well as eligibility to the Million Dollar Round Table. Michelle is also an active member of the Financial Planning Association.

Michelle travels extensively to various States along the East Coast to meet with clients and balances her work-life as the proud mother of two daughters.

The Retirement Planning Specialist title is awarded by AXA Advisors, based upon the Financial Professional's (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. In a collaboration between the Wharton School and AXA Advisors' affiliate, AXA Equitable Life Insurance Company (NY, NY), coursework for the certificate was developed exclusively for AXA Advisors FPs, and the title may be used only by FPs who have completed the required coursework and maintain the title through ongoing continuing education requirements. To verify that an FP has earned and holds the title in good standing, contact AXA Equitable atretirement@axa-equitable.com. Complaints about an AXA Advisors FP should be directed to customer.relations@axa-equitable.com.            

CFP® and CERTIFIED FINANCIAL PLANNER professional are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements Qualified Plan Specialist title awarded by AXA Advisors, based upon successful completion of an internal training program and written assessment. Retirement Planning Specialist title awarded by AXA Advisors, based upon receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. Community Financial Group is not a registered investment advisor and is not owned or operated by AXA Advisors or AXA Network.  Michelle Mast is a registered representative who offers securities through AXA Advisors, LLC (NY, NY 212-314-4600)


David C. Stables, IV

David C. Stables IV, CFP® is a CERTIFIED FINANCIAL PLANNER™ professional with AXA Advisors, LLC and Community Financial Group in in our Richmond and Emporia offices.

David has been with AXA Advisors, LLC since 2009.  To better serve his clients, David joined Community Financial Group in 2014, where he is able to work jointly with other top financial professionals within AXA Advisors, LLC. David works directly with his clients in helping them work toward achieving their financial goals.  His areas of concentration are retirement planning and risk management (life insurance and long-term care insurance).  David is dedicated to helping his clients understand their options with:

 

 

 

  • Employer Retirement Plans403(b)/401(k)/457
  • IRAs - Traditional/Roth
  • Life Insurance – Term/Universal/Variable/Whole Life
  • Long Term Care PlanningTraditional/ Life Insurance with LTC/ Asset & Annuity Based LTC
  • Annutites - Fixed/ Variable/ Immediate/ Deferred
  • Investments - Brokerage/Stocks/ Bonds/ Mutual Funds

                                                                                  

Along with offering products from “AXA”*, the world’s #1 insurance brand for the past 7 years (ranked by Interbrand (2016)), David also offers the products and services of hundreds of investment and insurance companies to meet the needs of his clients. 

David has been distinguished in the financial services industry by attaining the CERTIFIED FINANCIAL PLANNER™ certification.  The certification comes with extensive training in financial planning, estate planning, insurance, investments, employee benefits and retirement planning, as well as in CFP Board’s Standards of Professional Conduct, which are rigorously enforced. 


David graduated from Longwood University, where he earned his degree in Business Administration, with a concentration in Finance.  David grew up in Reedville, VA, in the Northern Neck.  He currently lives in Richmond with his wife Meghan and their identical twin boys, Connor and Brooks.  

David is a member of the Family Teams Committee for the March of Dimes.  The March of Dimes funds lifesaving research and programs to improve the health of babies by preventing birth defects, premature birth, and infant mortality.

 

 

*“AXA” is the brand name of AXA Equitable Financial Services, LLC and its family of companies, including AXA Equitable Life Insurance Company (NY, NY) and AXA Advisors, LLC.

David C. Stables IV, CFP® is a registered representative who offers securities through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC and an agent who offers annuity and insurance products through AXA Network, LLC. Investment advisory products and services offered through AXA Advisors, LLC, an investment advisor registered with the SEC.  AXA Advisors and AXA Network are affiliated companies and do not provide tax or legal advice. Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed.  Your receipt of this e-mail does not necessarily indicate that the sender is able to transact business in your state.   Community Financial Group is not a registered investment advisor and is not owned or operated by AXA Advisors or AXA Network.  CFP® and CERTIFIED FINANCIALPLANNER(TM) are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP® Board's initial and ongoing certification requirements.


Mary Dunston

Mary is the Employee Benefits Administrator to Michelle Mast, CFP®, CLU, MBA with Community Financial Group.

Mary joined Community Financial Group in October of 2013 as Employee Benefits Administrator with an emphasis in the health insurance arena. She assists Michelle with client quotes, preparation of benefit materials, processing of client applications and follow up with the many health insurance providers for clients.  Her experience comes from 12 years of serving as Payroll/Human Resource/Benefit liaison for a Richmond trucking firm.  While there, she was successful in establishing the company’s benefit package including health, dental, vision, life, STD/LTD and a 401k plan.

Prior to this, Mary worked for over 15 years in sales specializing in lighting, plumbing and home décor.  She provided onsite designs and quotes to both homeowners and contractors.  As Construction Coordinator for Econo Lodges of America, Inc., Mary was responsible for planning the layout of office space for their new headquarters in Charlotte, NC.

Growing up in the heart of Virginia, Mary completed one year at Longwood College in her hometown of Farmville before transferring to Virginia Tech.  She graduated with a BS in Clothing, Textiles and Related Art with an option in interior design.  Married to David Dunston, they now make their home in Glen Allen.  Mary has one daughter and one grand-daughter who affectionately calls her Gammy.  When she is not working or keeping up with her girls, Mary has a passion for assisting senior ladies with special circumstances in helping them maintain their household bookkeeping thus allowing them to keep control of their personal affairs with dignity.

Mary is an active church member and has been a leader in prayer walking for churches, schools, civil servants and local government in the Henrico community.  It is her belief that working with Michelle was a prayer answered.

 

Mary Dunston provides administrative support services only. Community Financial Group is not owned or operated by AXA Advisors, LLC.


 

California Insurance License #: 0H30647 (Fines)

Arkansas Insurance License #: 7644804 (Fines)/8793447 (Hayes)

The Retirement Planning Specialist title is awarded by AXA Advisors, based upon the Financial Professional's (FP) receipt of a Certificate in Retirement Planning from the Wharton School, University of Pennsylvania. In a collaboration between the Wharton School and AXA Advisors' affiliate, AXA Equitable Life Insurance Company (NY, NY), coursework for the certificate was developed exclusively for AXA Advisors FPs, and the title may be used only by FPs who have completed the required coursework and maintain the title through ongoing continuing education requirements. To verify that an FP has earned and holds the title in good standing, contact AXA Equitable atretirement@axa-equitable.com. Complaints about an AXA Advisors FP should be directed to customer.relations@axa-equitable.com.

The RICP® (Retirement Income Certified Professional®) designation is sought by financial services sales professionals whose focus includes clients planning for their retirement income. The designation's required curriculum is administered by The American College in Bryn Mawr, PA, which is accredited by The Middle States Commission on Higher Education, Philadelphia, PA 19104. The mark RICP® is the property of The American College and may be used only by individuals who have successfully completed the initial and ongoing certification requirements for this designation. Complaints about a designee can be made by e-mail at Registrar@TheAmericanCollege.edu. or by calling 888-263-7265. To verify a designee, visit http://www.designationcheck.com.

Securities offered through AXA Advisors, LLC (212-314-4600), member FINRA/SIPC. Investment advisory products and services offered through AXA Advisors, LLC, an investment advisor registered with the SEC. Annuity and insurance products offered through AXA Network, LLC and its insurance agency subsidiaries. AXA Network, LLC does business in California as AXA Network Insurance Agency of California, LLC and, in Utah, AXA Network Insurance Agency of Utah, LLC. AXA Advisors and its affiliates do not provide tax or legal advice. Individuals may transact business and/or respond to inquiries only in state(s) in which they are properly registered and/or licensed. The information in this web site is not investment or securities advice and does not constitute an offer.

Community Financial Group is not owned or operated by AXA Advisors or AXA Network.

AXA Equitable Holdings, Inc. is a publicly traded corporation, and it and its subsidiaries are currently using trademarks including the "AXA" name, AXA logo and associated trademarks of AXA SA under license.

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