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Certified Financial Planner™ Certificate Program


Meet Your Instructors


Ryan Newton, CFP®


Ryan Newton is a native of Georgia and relocated to Amelia Island when he was a young child. He is a graduate of Fernandina Beach High School. He earned his B.B.A. in finance and computer information systems from Mercer University where he graduated Magna Cum Laude. Newton earned his master’s degree with an emphasis in sports management from the University of Georgia.


Newton has worked in the Greater Jacksonville area since 2003 and is now a financial planner with Gold Tree Financial, Inc. He became a CERTIFIED FINANCIAL PLANNER™ professional in 2007. Before joining Gold Tree Financial, Ryan formed his own Registered Investment Advisor firm in Jacksonville. He provided fee based financial planning along with investment advisory and management services. Newton holds his Series 7 and 66 securities licenses, as well as his life, health and variable annuity insurance license in the state of Florida. He is also licensed for insurance and securities in several other states. Newton is in the process of earning the Accredited Estate Planner® designation. He teaches the CERTIFIED FINANCIAL PLANNER™ curriculum, Casebook Workshops and the Comprehensive Live Review class around the country for Kenneth Zahn Inc.


In his spare time, he enjoys watching a variety of sports, reading, surfing in Costa Rica and playing golf.




Ashish Bajaj, CFP® 


Ashish has been a financial planner with Gold Tree Financial, Inc. since 2013. He earned his CFP® designation in 2016 after completing the Zahn program at the University of North Florida.


Prior to becoming a financial planner, Ashish was a management consultant and medical association executive. He held several positions at the American Medical Association, including Director of International Medical Graduate and Senior Physician Services, where he was responsible for leading two of the AMA’s largest physician groups. He also spent several years working as a strategy consultant at Booz Allen Hamilton, specializing in organizational design, change management and strategic communications.


Ashish received his Bachelors in Biology from the University of Chicago and his MBA from Emory University. He has been active in a number of charitable and civic organizations in Jacksonville including the League of Women Voters, the Jacksonville Dance Theatre, the Performers Academy, and JCCI.  In his spare time, Ashish enjoys traveling and spending time with his family.


Ulrike Bittenbinder, CFP®, CPWA®


Sapphire Wealth Consulting, Inc.

Uli founded Sapphire Wealth Consulting, Inc. in 2016 after earning her CFP® designation. She completed the Zahn program at the University of North Florida. Uli is a Certified Financial Planner™ practitioner as well as a Certified Private Wealth Advisor® professional. She holds an MBA degree with a Finance concentration from the University of North Florida.


Uli began her career in the financial industry in 2003 working for Legacy Trust Family Wealth Offices. During her time at Legacy she held multiple titles including Director of Wealth Management. In addition to managing 300 million dollars in assets for high net-worth clients, she was also responsible for Legacy’s corporate financial functions.


Uli is an active volunteer member in the Jacksonville community. Over the years she volunteered with the Ronald McDonald House and the The Donna Foundation. She is currently a member of the FPA North Florida and the Investment Management Consultants Association.