Charles A. Lutzow
President

Charles Lutzow, ChFC, CFS founded CAL Financial Group Inc. and CAL Financial Inc. CAL Financial Group specializes in Mergers & Acquisitions and is known for its professionalism and integrity. CAL Financial Group, Inc is registered as a Business Broker with the State of Illinois. CAL Financial Inc. is an Insurance firm which specializes in working with Individuals, Families and Business Owners.

Mr. Lutzow received his Bachelor of Arts degree from Loyola University of Chicago. He is licensed in all forms of insurance. He has earned the following prestigious designations:

• Chartered Financial Consultant (ChFC) from the American College for extensive financial planning training.
• Certified Funds Specialist (CFS) from the Institute of Business & Finance. This is the oldest designation in the mutual fund industry.

Twice Mr. Lutzow was elected to serve as Alderman in the City of Prospect Heights and was also elected to the position of Township Trustee in Algonquin Township. He also serves as an advisor to elected officials across the US.

Office: 815-459-8631
Fax: 815-823-1325
E-Mail: clutzow@calgrpinc.com
Location: Crystal Lake, Illinois

Bruce Claflin
Vice President

Bruce  Claflin  is a Senior Partner in the CAL Financial Group. Bruce works to attract and develop top talent to the Small Business transfer market for CAL Financial Group. With 25 years of financial planning experience,  Bruce  focuses  on  Financial  Planners  and Wealth Advisors  with the critical eye for detail that is required to act as a business intermediary.  Bruce  actively  coaches  professionals in the areas of estate planning and advanced strategies for the small business owner. Prior to joining CAL Financial Group, Bruce helped launch, grow, and subsequently sell three regional financial services companies and represented two other global financial firms.

Bruce is also President of Coldwater Consulting, a Minnesota based LLC serving clients in the upper Midwest and Great Lakes area. Coldwater Consulting specializes in distribution building, sales development and productivity enhancement. In conjunction with CAL Financial Group, Coldwater Consulting provides support in the areas of business acquisition and divestiture, and business valuation.

Bruce is a series 24 Registered Principal.

Office: 612-296-6556
Fax: 651-487-3192
E-Mail: bclaflin@calgrpinc.com
Location: Minneapolis, Minnesota

Tom Gosche
Business Broker

Tom works with small businesses to create their consistent Branding Messages and then develops their Marketing Strategy to include traditional, online and networking tools.

His Marketing and Branding Strategy Training Session™ is a system of creating and implementing effective business building strategies.

His process is a personalized consultation OR as a speaker to many entrepreneurs and sales professionals. When you see Tom in action, you learn quickly that he possesses the knowledge, skill and expertise while being caring and humorous.

Since 1998 he has been a Director of BNI Marketing where he works with over 1,800 professionals learn the art of word-of-mouth marketing.

In 2002, Tom created The B.R.A.N.D. SystemTM Teaching business professionals to “B.R.A.N.D. themselves before others brand them.”

In 2007 he became a Contributing author of Masters of Sales, New York Times Best-selling book.

Tom Gosche
Office/Cell: 630-675-8971
Fax: 916-675-8974
E-Mail: tgosche@calgrpinc.com
Location: Schaumburg, Illinois

Mark A. O’Donnell
Business Broker

Mark is a Registered Business Broker with the State of Illinois and graduate of the University of Wisconsin-Whitewater. Over his 25 year career, Mark has developed an extraordinary business insight having owned several companies while also working with many Fortune 500 organizations. With his experience, Mark brings a wealth of business and financial knowledge to work with both buyers and sellers in a transfer of business ownership. Additionally, Mark is a well known professional in the Rockford/Northern Illinois and Southern Wisconsin area and served(s) as a Director for a number of Charitable, Professional and Social Boards. Honest, candid, discreet, ethical, diplomatic, imaginative and personable are some of his character strengths and has served him well in his professional relationships.

Office: 815-222-9588
E-Mail: modonnell@calgrpinc.com
Location: Rockford, Illinois

Jeff Scheithe
Business Broker

Jeff has specialized in Comprehensive Financial Planning, developing strategies and sound investment discipline in areas of Retirement, College, Investment and Asset planning. With over 29 years of experience, he helps individuals and businesses with “Planning today for tomorrow”.

Jeff’s credentials include the designations of CERTIFIED FINANCIAL PLANNER, CERTIFIED FUND SPECIALIST and CERTIFIED RETIREMENT FINANCIAL ADVISOR, which all require strict adherence to professional guidelines and ongoing continued education. CFP is a program that holds the planner responsible to provide competent and ethical financial planning. CFS is a program that provides the tools for implementing an effective asset allocation in the area of mutual funds. CRFA is a program of study in the financial, medical, and social aspects of retirement. He is a registered representative & investment advisor representative with Brewer Financial Services and holds Series 7, 22, 63 and 65 licenses. He is licensed in Life, Health, Long-Term Care and Variable Insurance.

His commitment to ongoing education is evident in his designations from the College for Financial Planning and his membership in the Institute of Certified Fund Specialists. Jeff has given to his community through teaching adult education classes at area colleges and presenting seminars and workshops in the financial realm. Jeff is committed to providing individuals with solutions for their financial future. He believes in building his business by building relationships from generation to generation.

Born and raised in the Chicagoland area, Jeff is a graduate of the University of Illinois at Chicago with a BS in Finance and a BS in Economics.

Office: 630-393-0044
Fax: 630-393-0045
E-Mail: jscheithe@calgrpinc.com
Location: Warrenville, Illinois

Pete Whitfield, MBA
Business Broker

Peter has 15+ years of consulting and industry experience. A diverse focus included the design and execution of corporate strategies, product marketing plans and business development programs to capitalize on industry evolutions as well as emerging market trends and technological advances. He has delivered strong revenue, profit, and market share for two fortune 500 companies by executing successful campaigns that expanded their product awareness and brand image in the Pharmaceutical and Insurance industry. 

Peter earned his MBA at Florida A&M University and graduated with a B.S. degree in Marketing from Florida A&M University, along with a Minor concentration in Finance.  He has also received Award recognitions from Rookie of the Year to Million Dollar Round Table Member in Financial Services.  Peter brings 8 years of financial services experience, and a diverse understanding of both Large Corporations and Small Business initiatives to assist private equity Buyers and Sellers in the Business Brokerage arena.

Office: 630-384-9089
Cell: 847-757-6557
Fax: 888-405-5897
E-Mail: pwhitfield@calgrpinc.com
Location: Lisle, Illinois

Bill Graham
Business Broker

Bill Graham has a PhD in organizational development and has provided human resource services to companies for almost 30 years. He now specializes in establishing insurance and defined benefit plans for business owners and their key employees.  He also provides investment products such as fixed and variable annuities and guaranteed 401(k) plans.  To serve his clients, Bill is licensed with a series 6 and 63 in Illinois and Indiana.

Bill is also a Partner at Turnbridge Financial Group, filling the role of Vice President of Risk Management.  Turnbridge Financial Group offers a wide range of financial products and wealth management strategies to individuals and business owners.  They are dedicated to developing lasting relationships with all our clients, helping assess their financial goals and participate in the management of their finances. 

Office: 630-384-9089
Cell: 847-971-8395
Fax: 888-405-5897
E-Mail: bgraham@calgrpinc.com
Location: Lisle, Illinois

Peter Tracz
Business Broker

Pete is a 17 year veteran of the investment management and insurance business. He is a Registered Principal with Questar Capital and has sat on their advisory board for the past 2 1/2 years.  As a small business owner himself, he understands the time, effort and commitment needed to make a business successful and will put that same level of hard work in to his relationship with you as a buyer looking to expand or seller looking to receive the highest value for your business. His practice is centrally located in Oak Brook, Illinois. 

Pete is a life-long Chicagoland native, graduate of DeLaSalle Institute and Northern Illinois University where he was a proud member of the Sigma Chi Fraternal organization.  Pete currently lives with his wife and twins in the western suburbs of Chicago.  

Office: 630-684-2275
Cell:  708-533-1143
Fax:  866-742-6245
E-Mail: ptracz@calgrpinc.com
Location: Oak Brook

Tony Ma
Business Broker

Office: 847.672.6166
Cell: 847.627.0231
Fax: 312.212.5920
E-Mail: tonym@calgrpinc.com
Location: Gurnee, Illinois

Chuck Murphy
Business Broker

Office: 224-433-6041
Cell: 815-715-4600
Fax: 224-220-5087
E-Mail: cmurphy@calgrpinc.com
Location: Vernon Hills, Illinois

Jay Kleinow
Business Broker

Office: 708-957-5197
Cell: 708-860-9768
E-Mail: jkleinow@calgrpinc.com 
Location: Homewood, Illinois

Tim Lorang
Business Broker

Office: 402.504.6444
Cell: 402.578.8338
Fax: 402.504.4466
e-mail: tlorang@calgrpinc.com

Barry Millson
Business Broker

Office: (859) 341-3000
Cell: (859) 760-2601
Fax: (859) 372 - 7573
e-mail: bmillson@calgrpinc.com
Location: Florence, KY

John Lanzetta
Business Broker

Office: 215-529-7815
E-Mail: jlanzetta@calgrpinc.com
Location: Quakertown, PA

Dr. Dali Valdez
Business Broker

Office 708-574-5286
Mobile 708-420-0440
Fax 708-433-1823
e-mail: dvaldez@calgrpinc.com
Location:  Cicero, IL