Meet Our Planning Team

Kristen J. Sydney, JD*, CLU®, ChFC®, CFP®

Private Wealth Advisor


Ms. Sydney's wealth advisory experience spans four decades in the areas of estate, business continuity, investment, charitable giving and insurance. She has authored numerous articles on advanced estate planning and is a frequent lecturer at investment industry meetings and seminars throughout the nation. Her professional philosophy is to "Serve first, last and always"SM, making her clients security her priority. As your advocate, she focuses on what is most important to you and the actions you must take to have the greatest opportunity towards achieving your goals. She will become the "guardian of your objectives".

Ms. Sydney received her undergraduate degree from the University of Michigan, her Chartered Life Underwriter's and Chartered Financial Consultant's designations from The American College. She graduated from Capital University College of Law with a Juris Doctorate in 1986. She has also received her CERTIFIED FINANCIAL PLANNER™ certification from the College for Financial Planning. In 2002, she was inducted into the Sam A. Chickerella "Hall of Fame" sponsored by the Society of Financial Service Professionals in Columbus, Ohio**.

*Licensed, not practicing.
**The Society of Financial Service Professionals Columbus, Ohio Chapter established the prestigious Hall of Fame Award in 1979 to honor those outstanding individuals in our industry who have shown leadership and dedication to the insurance profession. For details, please visit

Terry L. Sanders, CLU®, ChFC®

Private Wealth Advisor


Mr. Sanders practice, which spans three decades, is client-centered and is built upon a philosophy of "Serve first, last, and always"SM. His focus is on helping clients build a financial plan uniquely tailored to their personal objectives for financial security and the preservation of the assets they have created. Specific areas of expertise include estate and business owner planning, investment and accumulation planning, and charitable planning and insurance.

Terry received his undergraduate degree from the University of Toledo in 1972. In 1985, he earned the CERTIFIED FINANCIAL PLANNER™ certification from the College for Financial Planning, and in 1991 he earned both the Chartered Life Underwriter and the Chartered Financial Consultant designations from the American College in Bryn Mawr, Pennsylvania.

Robert E. Appel, J.D.*, LL.M., M.B.A.

Second Vice President of National Design/Advanced Planning

  • Member of the American and Connecticut Bar Associations.

  • BS degree (Accounting and Finance) from Central Connecticut State University; J.D. degree from the University of Bridgeport School of Law; MBA (Finance) degree from the University of Connecticut; and LL.M. (Taxation) degree from Boston University School of Law.


Executive Director, Sagemark Consulting Private Wealth Services

  • Areas of expertise: Key concepts and strategies for the high net worth market.

  • St. Lawrence University. Main platform speaker at the annual conference of the International Association of Financial Planning, the Allied Jewish Federation’s Annual Estate Planning Forum, GAMA International's LAMP meeting, and numerous technical and internal Lincoln business management sessions.


Director of Financial Advisory Services

  • Areas of expertise: the development, training, and implementation of fee-based financial planning within the firm including the integration of the investment and comprehensive financial planning processes.

  • Master’s in Business Administration from The University of Houston, Bachelor’s degree in Industrial Management from Purdue University.


Chief Investment Strategist

  • Areas of expertise include fixed-income, equity allocations, alternative investments and affluent wealth management.

  • BA in Political Science from Lipscomb University in 1981 and graduated from Vanderbilt University School of Law. Holds a Series 7 registration.


Director of Planning

  • Primary area of expertise: Broad knowledge of complex estate planning, business succession planning and retirement planning concepts. Frequently hosts a variety of nationally disseminated educational sessions focused on current tax law and financial planning strategies.

  • Summa cum laude, Master's degree graduate from Southern Methodist University.

Donna L. Rowan, J.D.*, LL.M., CLU®, CHFC®

National Design/Advanced Planning Attorney

  • Expertise in the areas of personal and corporate income taxation, as well as estate, gift and trust taxation. Member of the Connecticut and American Bar Associations.

  • BA degree in English from State University of New York at Buffalo; J.D. from Western New England College School of Law; LL.M. (Taxation) from Boston University School of Law.