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OUR TEAM

Stephen C. Bach, CFP®

Financial Advisor

Stephen Bach is the founder of 7:12 Financial and has been a financial advisor for over 25 years. Steve graduated from Widener University in 2001 with a Bachelor of Science in Business Administration with a concentration in finance and...

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Lia Cavallo

Associate Advisor

Lia joined 7:12 Financial as an Associate Advisor in August 2024 after three years with Lincoln Investment in a Virtual Service Associate role. Prior to joining Lincoln, she was a financial advisor with Navy Federal Financial Group....

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Erika Ribbens

Associate Advisor

Erika joined 7:12 Financial in March 2025 after three years working in the financial services industry. She graduated from Grand Valley State University in Michigan where she majored in Mathematics and Elementary Education. Prior to...

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Emily Rothera

Service Assistant

Emily Rothera joined Stephen Bach as his Service Assistant in 2014. She has known Steve since 1999 and was a natural choice to join his team. Her primary role is to assist Steve with administrative support and to provide clients with...

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