Officers and Board

Our Organization's Leadership

AAAFA is the premier organization for African American financial advisors seeking to establish a meaningful network with peers, sponsors and allied professionals.

James Brewer, MBA, CRPC®, AIF®, CFP®, CDFA™


Envision Wealth Planning, Envision 401k Advisors

James Brewer is President of Envision Wealth Planning and Envision 401k Advisors. Envision Wealth Planning helps individuals and families build their financial life vision. His Envisioneering™ Financial Planning Process aligns client values, such as promoting sustainability, gender and racial equality with their personalized, financial plan. Envision 401k Advisors offers companies an outsourced Chief Retirement officer to help manage the risks of their retirement plan and the costs of employees that can’t retire. The Six Step Fiduciary Risk Management Process approach focuses on selecting providers and plan features that actively nudge employees toward their own adequate retirement savings.

James recognizes that demographic groups like professional women and affluent African Americans often have not had access to the financial information they need. To promote greater financial clarity and financial literacy James decided to produce his own wealth and 401(k) plan content, and be active on LinkedIn, Twitter and Facebook. Brightscope recognized him as one of The Top 100 Social Media Financial Advisors in the US. He is frequently interviewed on the syndicated television program, Business First with Angela Miles. He has been featured or cited in the Wall Street Journal, Forbes, US News and Think Advisor. He teaches financial professionals aspiring to be CERTIFIED FINANCIAL PLANNER™ professionals as an Adjunct Professor of Financial Planning for the College for Financial Planning. He is involved with various pro bono activities in Chicago as a member of the Financial Planning Association.

Mr. Brewer holds an MBA from the Massachusetts Institute of Technology (MIT). His professional designations include Chartered Retirement Planning CounselorSM (CRPC®), Accredited Investment Fiduciary® (AIF®) and Professional Plan Consultant™ (PPC™).

Lazetta Rainey Braxton, MBA, CFP®


Founder & CEO – Financial Fountains

Lazetta Rainey Braxton, a Certified Financial Planner® practitioner, is Founder and CEO of Financial Fountains, a fee-only financial planning firm and registered investment adviser. Ms. Braxton assists individuals, families, and institutions with achieving financial well-being and contributing to the common good through financial planning, investment management, financial consulting, and educational seminars.

As an advocate of financial planning in diverse communities, Mrs. Braxton serves on the CNBC Digital Financial Advisor Council, the CFP Board Women’s Initiative Advisory Panel, the Financial Planning Association (FPA) National Diversity Committee, the Foundation for Financial Planning Grants Committee and the FPA of Maryland Community Outreach Committee (former Chair). Mrs. Braxton has been featured by national magazines, Financial Planning, Morningstar, and Essence, and quoted in publications such as Kiplinger’s, Black Enterprise, Investment News, and Diversity Women. Ms. Braxton’s articles and blogs have been published by CNBC, Nightly Business Report, USA Today, the Journal of Financial Planning, and The African American Lectionary. She also speaks regularly on financial planning topics on TV and for local audiences.

Ms. Braxton holds a B.S. in Finance and International Business from the University of Virginia and an M.B.A. from Wake Forest University. She received her Certificate of Achievement in Personal Financial Planning from Metropolitan Community College of Omaha, Nebraska.

Gerald Loftin, J.D., AIF®, CFP®

Vice President

Principal, Proficient Wealth Counselors, LLC

Gerald Loftin is the Principal of Proficient Wealth Counselors, LLC, a registered investment adviser. Mr. Loftin is a Certified Financial Planner ™ practitioner, and recipient of the Accredited Investment Fiduciary ™ credentials. In his role at Proficient Wealth Counselors, LLC, Gerald provides sophisticated financial planning and wealth management advice to select clients by creating personalized strategies for the accumulation, protection, distribution, and transfer of liquid and illiquid assets.

Mr. Loftin is active in his local Financial Planning Association of Massachusetts Chapter as serves as a member of its pro-bono committee. He participates in the Dana Farber Cancer Institute Financial Mentor program, and the Lawrence Community Works Neighborhood Financial Enrichment program. He also creates and presents ongoing financial education and Boston and various towns in Massachusetts.

He holds a Juris Doctorate degree from Massachusetts School of Law, and obtained his BS in Finance from Northeastern University. When he is not working he enjoys spending time with family and friends and has a passion for multiple outdoor activities.

Nicolas Troy Abrams, CFP®


President & CEO – AJW Financial Partners LLC

Nicolas Troy Abrams, Certified Financial Planner ™ Professional, is founder and CEO of AJW Financial Partners, LLC. His wealth management and financial planning firm has offices in Columbia, Maryland and Washington, DC. With more than 15 years of experience in the financial services industry, Nicolas advises clients on investment, retirement, and insurance strategies.

He is a regular guest on Morgan State University’s WEAA (Baltimore 88.9 FM) Wealthy Radio with host Deborah Owens. He is the former host of Radio One’s WOLB (Baltimore 1010 AM) The 1st Friday Radio Show, which focused on economic empowerment and wealth creation. Nicolas has been a guest on National Public Radio’s Market Place. Local and national conferences, including the Maryland Black Caucus Foundation Legislative Weekend, have also featured Nicolas as a speaker on money and financial issues.

Nicolas is a 2015 graduate of the Leadership Howard County Program. Recently, Nicolas served as Chairperson of the St. Mary’s College of Maryland Baltimore City Scholarship Initiative that raised over $500,000 to provide scholarships for students in Baltimore City looking to attend the College. In 2010 Nicolas was one of the founders of the He Matters Conference, a youth conference for young men ages 7-17 that promotes life skills. He is a past member of the Board of Directors of the Financial Planning Association of Maryland, the National Association of Insurance and Financial Advisors, Baltimore chapter, and the Baltimore City Chamber of Commerce.

Nicolas is a graduate of St. Mary’s College of Maryland where he earned his B.A. in Economics with a concentration in Business. He also earned a certificate in Financial Planning from the University of Baltimore in 2002. When he is not working, Nicolas enjoys spending time with his beautiful wife Leah and their son’s Nicolas II and Aiden.