Our Team

G. Michael Cheatham, CLU, ChFC

Managing Director

"Anticipate rather than react. It's the most important concept in our firm because it drives so many aspects of our work. If you go back about 25 years, it's the reason why we established ourselves as independent advisors - representing clients in a diverse marketplace instead of representing a financial services company with limited products."

Mike's engineering degree shaped his analytical approach to help achieve client goals. Meanwhile, his thirty-five years experience bringing specialized resources and knowledge to the clients' side of the table has honed the DavisWalker collaborative process. He has expanded DavisWalker capabilities strategically over the years to match our clients' perceived needs and fill gaps in their planning resources.

He is a member of the Association for Advanced Life Underwriting and the Society of Financial Service Professionals serving as President of the Richmond Chapter in 1991-92. He is also a member of the Richmond Estate Planning Council, the Society's Estate Planning and Business Compensation Sections, and a charter member of PACE (Professional Achievement in Continuing Education). Mike holds a Bachelor of Science degree from Virginia Tech in Industrial Engineering and Operations Research.

phone: 804.560.8082 x306
email: m.cheatham@daviswalker.com

 

John A. Gargula

Director of Case Design and Management

“It’s a great feeling to watch a plan come together. It begins with insight into the unique needs and goals of each client; we cover every detail of the plan, explore all alternatives, and track every step of implementation to see that the solutions match the goals.”

John’s background in financial services is broad and deep. It spans wealth management and wealth transfer, employee and key employee benefits, and life insurance funding and performance analysis. In addition, he has years of management and operational responsibility, from contract negotiation and business plan development to full P&L responsibility. He holds a Bachelor of Science degree in Business Administration/Finance from Villanova University.

John guides DavisWalker clients through comprehensive case design for wealth preservation and transfer techniques, estate-tax planning and executive benefit programs. He also directs the analysis and selection of insurance financing alternatives through the planning process.

phone: 804.560.8082 x301
email:  j.gargula@daviswalker.com

 

Our Strategic Partners

David W. Holaday, ChFC, CAP

Founder and Managing Director
Wealth Design Consultants, LLC

“While many affluent families carefully prepare an inheritance for heirs, they often miss opportunities to prepare their heirs for inheritance. This explains why 90% of affluent families lose their wealth by the third generation. My role is to work collaboratively with families and their advisors to decide how to use their assets for their most important personal, family, and charitable goals.”

David Holaday has over 25 years’ experience as a financial consultant and is the founder and managing member of Wealth Design Consultants, LLC, providing consulting on wealth transfer, estate tax, and philanthropic strategies to professional advisors across the nation. His expertise includes wealth transfer strategies, insurance and estate tax planning, business succession planning, and planned gift design for affluent families, private businesses, family foundations, and major donors.

In addition to his B.S. in Chemical Engineering from University of Virginia, Dave earned designations for Chartered Advisor in Philanthropy® (CAP) and Chartered Financial Consultant (ChFC) from The American College.  He is past president of Planned Giving Group of Indiana and a board member of International Association for Advisors in Philanthropy.  In addition he is a member of Kingdom Advisors, Partnership for Philanthropic Planning, The Heritage Institute, Advisors in Philanthropy, and Central Indiana Community Foundation.

phone:  317.571.3616
email:  dholaday@wdcplan.com

 

Office Location

DavisWalker, Ltd.

9100 Arboretum Parkway
Suite 260
North Chesterfield, VA 23236-3493
ph: 804.560.8082

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News Updates

Financial and Economic Brief - August 4, 2020

• A Q2 Economic Evaluation - Now that the American Economy has gone through at least one quarter of Covid-19, we have an opportunity to glance back at the equity markets to see how they performed.

• International Monetary Fund’s Latest Update - Countries around the world share the same apprehensions about financial health of economies as well as physical health of the people.

• Top 10 Technology Trends of 2020 - The rapid growth of technology is paving the way for career growth in 10 different but connected areas.

Financial and Economic Brief - July 3, 2020

• The Trend in Wage Growth and Spending - The country’s unemployment rate has leveled off and Americans have shown remarkable resilience in the face of high unemployment numbers.

• Mortgage Rates are the Lowest in Years - For individuals and families who are looking to buy a new home, interest rates are low and expected to potentially go lower.

• Where are Oil Prices Headed? - Decades ago no American would have believed that the price of a barrel of oil would drive a wedge between OPEC oil producing nations.

Financial and Economic Brief - June 2, 2020

• Payroll Protection Program Gets Necessary Adjustments - Businesses that have secured a Payroll Protection Program loan from Uncle Sam may be looking at legislation to ease the requirements for loan forgiveness.

• What’s Ahead for Treatment or Cure of Coronavirus? - Americans are eager for one of the many drug companies to develop a vaccine for the Coronavirus.

• The Fed’s Latest Cash Infusion - The future of the US Economy has been bolstered by the efforts of the Federal Reserve Bank to smooth-out the disruptions caused by the Coronavirus.

Financial and Economic Brief - May 6, 2020

• Here are Important Social Security Changes for 2020 - For today’s retired Americans, it frequently represents a healthy amount of their monthly income.

• Did the SECURE Act Kill the Stretch IRA? - Individuals who have successfully used IRA’s as an estate tax planning tool may be trying to find new ways to leave assets to named beneficiaries in a way that minimizes the long-term effects of the estate tax.

• Warren Buffett has Sold Berkshire Hathaway’s Position in Airline Stocks - The Oracle of Omaha doesn’t always get it right (but so far his track record has been mighty impressive!)

Financial and Economic Brief - May 5, 2020

• The Real Estate Front - The Coronavirus pandemic has dramatically affected the housing market.

• Understanding the Impact of Inflation - When governments, for whatever reasons, inject huge sums of currency into an economy, repercussions will be felt at some point in the future.

• The UK is Recognizing the Benefits of Trading with the US - With the world currently reeling from the economic slowdown essentially caused by Covid-19, our friends in the UK are seeking to step up trade talks.

Financial and Economic Brief - March 3, 2020

• Potential Rate Cuts Coming - In response to the coronavirus scare, there’s a chance that the Fed could take policy back to where it was during the financial crisis of 2008.

• Britain’s Mandate for Trade Talks - Britain unveiled its mandate for trade talks with the U.S., with Prime Minister Boris Johnson vowing to drive a hard bargain in negotiations.

• Stock Market Plummets - U.S. stocks fell as fears escalated over the fast-spreading coronavirus, with Wall Street capping its worst week since the global financial crisis of 2008.