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Mike began his career in Financial Services in 1972 after graduating from Texas Tech with a BBA. He majored in finance and minored in mathematics. 

Mike has earned several professional designations during his career. These include Certified Public Accountant, Certified Fraud Examiner, Certified Financial Planner, and Personal Financial Specialist. He also holds several securities licenses including Series 7, 24, 63 and 65.

Mike and his wife, Nancy, have been married since 1972. Their family includes two daughters, two granddaughters and four grandsons.




Scott Dickerson is an independent financial planner who started delivering financial services in 1997 to individuals, business owners and key executives. He combines experience, integrity and objectivity to help find sound solutions to his clients’ financial needs and desires.


Scott's specialties include qualified plans and associated compliance issues, personal financial planning and retirement distribution strategies. He works with individuals and businesses to develop strategies in estate planning, insurance and investment analysis, distribution planning and risk management.


By listening to a client’s concerns and objectives, Scott helps outline their goals in order to develop a comprehensive plan that takes into consideration their unique needs, wants, time frames and risk tolerances.


Scott and his wife Cindy have two boys, Payton and Will. He is an active member of Hillside Christian Church and spends his free time golfing, hunting and enjoying his kids' sports.




Jeffrey Chado joined Navigation Financial Group in the summer of 2012 to focus primarily on financial planning and group retirement benefits. Previously he enjoyed a successful career as Managing Partner and Chief Operations Officer of a regional engineering and construction firm. He also has experience in the oil and gas industry and is active in real estate development and construction.


Jeffrey is a lifelong resident of the Amarillo area and a graduate of Tascosa High School. In addition to his undergraduate degrees, he has also obtained Master’s degrees in Finance and Economics, as well as his MBA from West Texas A&M University.


Jeffrey lives in Canyon, Texas, with his wife Sandy and their three kids, Sarah, Quinn and Erin. Outside of work, he enjoys family time, as well as gardening, hunting and fishing, in addition to most other outdoor activities.

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Independent financial planner, M. Steven Seymour, started delivering financial services to businesses, individuals, business owners, and key executives while he was with Morgan Stanley in 2016. Currently, and as an independent Representative of Navigation Financial Group, Steven combines his experience, integrity and objectivity to help find sound solutions to his client’s financial needs and desires.


Steven has always been very intrigued with the market and the economics that surrounds our everyday lives. He grew up in Calhan, Colorado and then enlisted into the United States Marine Corps upon graduating high School. It was in the Marine Corps that he had the opportunity to travel the world and serve his country. After his honorable discharge in 2004, he attended West Texas A&M and worked in the cattle feeding industry, prior to beginning his career in the financial services industry.


He believes that identifying financial solutions begins with a solid understanding of each client’s situation, goals, and objectives. His team follows a disciplined process that enables his team to work with you to craft a strategy that helps you meet your individual financial needs.

Steven balances work and time with his family. He is married to Leah and has one son Haygen. He is also an active member of Hillside Christian Church.

Chris Gilbert


Chris Gilbert joined Navigation Financial Group in the fall of 2020.


Prior to joining the team, Chris began delivering financial services and solutions in 2016 to businesses, executives, and individuals while he was with Edward Jones. As an Independent Representative of Navigation Financial Group, Chris combines his past business experience, financial industry experience, education, and integrity to partner with his clients to achieve their financial goals. Previously, Chris enjoyed a successful career in the medical device industry, both nationally and internationally.


Born and raised in Amarillo, Chris is a graduate of Amarillo High School. He later obtained B.S. in Business from Southern Nazarene University.

Chris has a passion for the Texas Panhandle and its residents. He enjoys giving back to Amarillo and the surrounding communities by supporting charities as an active member of the Coors Cowboy Club. He also currently serves on the board of the Coors Ranch Rodeo.

Chris and his wife, Missy, are parents to two grown young men, Blake and Bret. In his free time, Chris enjoys cooking for his community, family, and friends, as well as cooking competitively. He also enjoys hunting, gardening, and simply being outdoors.

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Cindy joined Navigation Financial Group in May of 2016 as Client Relationship Manager. 


Cindy is an Amarillo native who graduated from Tascosa High School.  She received her Bachelor of Arts degree in General Studies from West Texas A&M University. 


Cindy is excited to be a part of Navigation Financial Group. Her past experience includes a variety of different fields including: sales representative, business owner and educator.

Cindy and her husband, Scott, live in Amarillo with their two boys, Payton and Will.  In Cindy’s free time she enjoys spending time with her family, playing golf and watching her sons play basketball and baseball.  Cindy and her family attend Hillside Christian Church.

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Sandy joined Navigation Financial Group in September 2015 to assist with database management and marketing. 

She is a proud Panhandle native and graduate of Dalhart High School.  She received an Associate Degree in 1991 from Amarillo College. 


Sandy has a wealth of experience from years working in the medical field and with the State of Texas.  She is excited to be a part of our team.    


Sandy and her husband Jeff live in Canyon with their three children - Sarah, Quinn, and Erin.  In Sandy’s free time she enjoys spending time with family, gardening, and volunteering at CISD schools and church. 




Samantha Burd joined Navigation Financial Group in December of 2015.  


She is an Amarillo native who graduated from Amarillo High School and later received her Bachelor of Arts degree in 1998 from West Texas A&M University. 


Samantha has experience in many different fields.  She has worked as a case manager, educator, business owner, homemaker and now the financial world.

Samantha and her husband, Robbie, live in Amarillo with their two boys, Peyton and Braxton and a Boston Terrier named George.  When she is not at work Samantha loves spending time with her family.  She enjoys watching her boys play football, baseball, and all of their various activities.  Samantha and her family attend Hillside Christian Church.

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Patti joined Navigation Financial Group in February 2016. She has over 20 years of experience in the financial industry working for Mike Ruff, CFP since January 1998.


Patti earned her Series 7 securities license in July 2019 and is a Registered Office Assistant. She is proud to offer quality customer service and assistance to all their clients. Patti has lived in Pampa since the age of 7 and attended Pampa High School.

Patti and her husband, Steve, have two sons. Mark and wife Kaylee of Keller, TX, and Brenden and wife Adriana of Las Vegas, NV. Mark and Kaylee have blessed them with two beautiful granddaughters and a grandson. In their free time, they enjoy spending time with their grandchildren, traveling, camping, fishing and riding their UTV in the mountains. 




Susan joined Navigation Financial Group in June of 2020.

Susan grew up in the Texas Panhandle, attending Hartley and Bushland schools. In high school, she was very involved in rodeos and showing pigs.

Susan is planning on graduating with her bachelor's in Business Finance with a minor in Management in May of 2021. She then plans to continue her education and earn her MBA in Personal Financial Planning and her CFP certificate.

Susan has two fur babies, Kiki, a Yorkie, and JR, an Aussie. Outside of work, she is very involved in her sorority, Delta Zeta. Susan was the past 2019 Treasurer and 2020 President.

Chelsey Whitlow


Chelsey Whitlow joined Navigation Financial Group in the fall of 2020, along with advisor Chris Gilbert.

She is an Amarillo native who graduated from Tascosa High School. Chelsey later attended Lubbock Christian University, graduating with a Bachelor of Arts in Humanities and Business Communications in 2002.

Chelsey has a long history in the financial industry working as an Assets Specialist for a Trust Company for many years before working with Chris Gilbert as Edward Joines as his Branch Office Administrator. She also has experience in education and marketing/entertainment.

Chelsey lives in Amarillo with her fur-baby, Finnegan, a German Shepard/Bluetick Coonhound mix rescue. When Chelsey is not at work, she loves spending time with loved ones, exploring the great outdoors with her family and pups, cooking, and working on writing her first novel.