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Our Strategic Partners: The Secure Future Team

These dedicated financial advisors are ready to serve you.

Mark A. Morris, CFF Photo
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Mark A. Morris, CFF

Founder, CEO, Financial Advisor

Mark A. Morris, CFF

Founder, CEO, Financial Advisor

Phone: 937-853-7529
Email: mark@securefutureadvisor.com

Mark founded Secure Future Advisors and Secure Future Tax Advisors to help small business owners, successful professionals, pre-retirees and retirees build a secure future. Mark views himself as a an “ADL Coach” for his clients. He develops a unique plan to preparing every client for their three phases of life: accumulation, distribution and legacy.

Mark graduated from The Ohio State University and worked at Northwestern Mutual for several years before deciding to become an independent financial planner. He is actively involved with the Million Dollar Round Table (MDRT) where he has been a qualifying member for 23 consecutive years (1996-2018) with 7 Top of the Table (TOT) qualifications (top 1%) and 7 Court of the Table (COT) qualifications (top 6%).  In addition, he is a board member at a Child’s Hope International, a ministry focused on orphans and starving children.  For the past ten years, Mark has been a participant in the Strategic Coach Program “for entrepreneurs”.  Mark enjoys the insights from Warren Buffet and incorporates those in both his personal and professional life.  

Mark is from Dayton, Ohio and currently resides on a small family farm of 10 acres in Waynesville, Ohio. He and his wife, Kelly, have been married for 26 years, and have 9 children, 3 of which are siblings adopted from Ethiopia. Together, the family raises miniature donkeys, along with chickens, turkeys, ducks, bees, horses and dogs. 

Check the background of this investment professional on FINRA's BrokerCheck.

Jeff Garnica, CKA®, CFF, CLTC® Photo
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Jeff Garnica, CKA®, CFF, CLTC®

Insurance Planning Specialist

Jeff Garnica, CKA®, CFF, CLTC®


Phone: 937-646-7998
Email: jeff@securefuturenetwork.com

My Passion: My intention is to bring light, confidence, and clarity to the financial affairs of our clients.  I strongly believe that business owners and individuals will fare better with the assistance of a competent and caring financial professional.  I chose this profession to help people and serve others.  My process is founded on the principles of honesty, integrity, and relationships. 

Our process starts with a candid conversation to answer any questions, identify needs, and prioritize goals to improve our current client’s financial situation.  During this process, we look to work in conjunction with any other advisors such as CPAs or Attorneys. 

I have been in the financial services industry since 2002. I am passionate about seeing my clients steward their money well. By doing so, it allows them the ability to be generous towards the people and purposes that they believe in.  

My Expertise: Our services include: (1) Retirement Income planning (2) Tax Diversification (3) Business succession planning (4) Life & Disability insurance (5) Portfolio construction and investments (6) Comprehensive healthcare planning during retirement (7) Executive benefits (8) Christian Financial Strategies (9) Sustainable and Responsible Investing & (10) Charitable Giving. 

My Role: Much of my professional experience includes 15 years in healthcare, long term care, and financial planning.  As a seasoned veteran in the financial planning business, our clients receive reliable advice, a fully customized financial plan, and ongoing education and ongoing service.

My Personal Interest: I was born and raised in Kettering, OH and currently reside in Blue Ash, OH.  I attended the University of North Carolina on a football scholarship and was a Captain my senior year. I had a short stint in the NFL and one season playing Arena Football.  I am actively involved in my church, and I enjoy cooking, fishing, exercise as well as spending time at Lake Cumberland with family and friends.

It is my hope to continue growing my business, serving others, and building relationships that last a lifetime. 

Owen R. Cummins Photo
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Owen R. Cummins

Director of Financial Planning

Owen Cummins


Phone: 937-949-9301 or 937-853-7527
Email: owen@securefutureadvisor.com 

My Passion

The advisory team at Secure Future Advisors helps our clients bridge the financial gap between their current situations and their desired outcomes. This process involves building relationships, having candid conversations, and implementing financial plans. I am truly passionate about the back office work that goes into drafting and implementing these plans, organizing and analyzing data, and providing client service. 

My Expertise

I graduated from Cedarville University with honors in December of 2021. I studied Economics, and took elective classes in Finance and Law. I have passed my FINRA Series 65 & Series 7 exams in order to further my understanding of the finance industry. However, much of what I will learn in the near future will come from working alongside and serving our advisory team.

My Role

As our Director of Financial Planning, my role is to assist our advisor group in all facets of the client relationships and financial planning workflow. I provide client relationship support through gathering and analyzing client data,  preparing preliminary financial plans and other client deliverables, as well as handling client service requests. In doing so, I assist in continuing to provide our clients with the best service possible. 

My Personal Interest

I was born and raised in Miamisburg, Ohio and still currently reside there. I recently graduated from Cedarville University where I majored in Economics and minored in Bible. In my spare time, I enjoy reading non-fiction books, particularly those on political science and history. I also enjoy spending time outdoors doing things like hiking or water sports. Lastly, I enjoy watching my favorite NFL team, the Cleveland Browns.