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Internal Values of our Team

We enthusiastically have embraced this journey. Together, through the power of individuality we have created an environment for open communication, personal growth and collaboration.  We take ownership in all that we do and will pursue financially successful outcomes for our clients.  We actually enjoy working together!  We show our best when we are alone - but we are better together. 


Check the background of investment professionals listed on this site on FINRA's 


Rich Ceffalio

Founder - Managing Director

Family Wealth Advisor:
As the Founder of Providence Private Wealth it’s Rich’s duty to lead and encourage through example. In fact he’s been providing financial "Providence" for families for over 24 years and is often referred to a as our Chief People Officer.  His passion is helping individuals, families, businesses and foundations gain clarity on why they have a plan.  It's this passion that gives Rich the ability  to connect deeply with all of our clients and to shepherd them through our planning process.  In addition, Rich feels a deep joy in helping individuals work out of desire vs necessity.


Rich grew up in Chicago, Illinois.  After attending Norte Dame High School in Niles, he furthered his education at DePaul University, class of 1994, where he acquired a major in Finance and a minor in Economics.  Rich has many notable accomplishments both professionally and personally. He’s the Founder and Managing Director of Investments at Providence Private Wealth..  


Rich and his family reside in Arlington Heights, Illinois.  He enjoys spending time with his family in Lake Geneva, finds pleasure in golfing, terrain endurance training, collecting art and sports cars, boating, reading and traveling. 

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Emil Wehrle, AAMS

First Vice President


Planning is not a single event – it is a process. As your life circumstances change, so must the

investment strategies.

Background and experience
Emil is a thirty-year veteran of the financial services industry. Having experienced many major shifts in the markets enables him to help our clients craft a plan and an investment policy appropriate to the client’s most

cherished financial goals.

Away from the office
Emil was born and raised on the northwest side of Chicago. Committed to helping his community prosper, he is active with several cultural and community organizations. He and his wife Kathy live in Mount Prospect where they enjoy entertaining, cooking and gardening together. They are immensely proud of their two daughters, Heidi who is recently married and works as a Pediatric Speech-Language Pathologist and Andrea who is beginning her career as a Physician’s Assistant.


Marilyn Gudauskas

Director of Client Experience

Marilyn’s 40 years of financial services experience has been centered on office management and administration.  For 22 years she was the Vice President of Operations at the Chicago branch of Morgan Stanley responsible for the management and support of the business of 89 financial advisors. Marilyn’s creativity coupled with her desire to assist results in the highest level of service possible.  She likes to sprinkle kindness wherever she goes and looks forward to developing relationships with our entire client family. Marilyn lives a grateful and joyful life with her husband Steve in Lake Villa with their two dogs.  She enjoys yoga, walking, gardening, cooking and water color painting.  


Terrence “Terry” J. Crowley

Managing Director


By focusing on each investor's specific needs, Terry develops strategies that help clients pursue their financial goals. Having worked as a Financial Advisor to both individual and institutional investors since 1984, he has gained a diverse experience across the financial services industry, which he uses to help clients craft tailored plans and strategies. 


Background and experience 

For over 35 years, Terry has helped clients address their financial concerns and develop strategies by focusing on each individual's specific needs. With extensive experience throughout major shifts in the markets, Terry has dedicated his career to delivering the personalized investment planning services his clients deserve.


Terry began his career as a Financial Advisor with Merrill Lynch in Oakbrook, where he developed his fundamental investment knowledge. In 2002, he then joined AG Edwards – a predecessor firm of Wells Fargo Advisors – to take a team approach in providing personalized financial advice for individuals and families. In his role at Wells Fargo Advisors, Terry provided clients with top-tier comprehensive investment planning in his role as Vice President of Investments. 


Away from the office 

Terry spends his free time with his wife, Karen, and their four sons, Sean, Brendon, Kyle, Michael and three grandchildren Faye, Ellis and Colin. Terry thoroughly enjoys golf and is a member of Blackstone Country Club. In addition, Terry and Karen have a second home in Cabo San Lucas and enjoy their vacation time together there, and thoroughly enjoy the warm weather.


Kyle T. Crowley
First Vice President


As a Financial Advisor, Kyle is dedicated to helping individuals and businesses develop financial and investment strategies that line up with their needs, goals and risk tolerance. He goes to great lengths to provide every client with targeted, comprehensive financial advice and portfolio management - delivered with the highest level of personal service and professional integrity. 


Background and experience 

Kyle serves as a valuable asset to the team by providing clients with personalized retirement planning, estate planning and other financial services. By working closely with clients, he can help choose retirement income strategies and structure estate planning around your needs, while also maintaining flexibility.


Kyle is a graduate of the University of Iowa and has a master’s degree from Northwestern University. Prior to joining Providence Private Wealth, he worked with Schlumberger in Kuwait City, Kuwait. After returning home from the Middle East, Kyle worked for Lend Lease – a high-rise real-estate developer in Chicago. He then served as a Financial Advisor with Wells Fargo Advisors. 


Away from the office 

Kyle spends his free time with his wife Michele, and their children Faye and Ellis. Kyle and his family enjoy maintaining a healthy and active lifestyle working out and playing softball, golf, hockey and basketball together. Michele is an English Language Learner Specialist in the Downers Grove, IL elementary school district. Kyle and Michele are very family-orientated and enjoy all the activities associated with raising their two beautiful children.


Frank Nemeth

Vice President


My goal is to make the complex terminology and concepts of investing easy to understand for all levels of investors, from absolute beginners to experienced veterans.


Background and experience 

I have been in business for 30 years and have seen all types of crazy things come and go. That’s why I believe in core strategies that have been a cornerstone of investing for decades. I have given hundreds of seminars and found that I enjoy teaching and explaining the complex workings of investing and the investment world.


Away from the office 

My wife Sandra and I enjoy home improvement projects, gardening, and bicycling for Saturday morning coffee. I play bass guitar in a local “dad” band, home-roast my coffee, and occasionally brew not-so-great beer. Sandra and I have two daughters, Jennifer, a product manager for a Chicago dental instruments company, and Valerie, a doctor in Ohio. We were also recently blessed with our first grandson, Jace Michael.

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