With a multi-line financial service & insurance tools, our firm is equipped to help our community be successful in protecting their families and loved ones' interest. The key to being a successful representative is genuinely caring about each client's individual situation and circumstances, working closely with them to evaluate where they are financially today, in order to help them achieve their goals & objectives.

As president at Omniverse Financial & Insurance Services, I have a special interest in helping educators, their families, and our community to be educated building wealth, asset protection, and income replacement.

Specialties include but are not limited to:

• Retirement Planning
• Budgeting / Debt Management
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LA&H Insurance License
Property & Casualty
Series 6 & Series 63 Registrations
I am licensed to sell Insurance Products in MA and CT and Securities in MA.

Phil has been in the financial services industry for over 20 years, both as a CPA and as an Investment Advisor. Phil has dedicated his career to helping his clients create sound financial strategies that are designed to provide confidence and peace of mind in retirement. 

Phil's mission is to help seniors and soon-to-be-retirees take control of their financial future and make the best decisions possible for them and their loved ones. As Phil is often heard saying "if you don't have a plan, then whose plan are you following? The IRS's? The Social Security Administration?"

Phil's background and education as a CPA with a Masters in Taxation, his designation as a Personal Financial Specialist and Investment Advisor allow him to create comprehensive financial strategies that maximize your income, reduce your taxes, and grow your assets while reducing market volatility. 

Phil is also one of Ed Slott's Master Elite IRA Advisors, a designation that is exclusive to a group of 278 of the top financial advisors in the country who are trained by Ed Slott. 

Phil takes pride in providing his clients with the security & peace of mind that comes from knowing that you have a sound financial strategy that is designed to be defensive during times of market volatility and opportunistic during times of market growth. Phil and his financial strategies have been featured on FOX, PBS, WDIV, and the Wall Street Journal. Phil also publishes a weekly financial column that can be found here.

Bob Palmer CFF

I grew up on a small family farm in Northeast Mississippi.  From there I went to Starkville, Mississippi and graduated from Mississippi State University.  I spent many years working in middle management with a company right out of college.

My wife, Barbara and I have one son, a daughter-in-law and one grandson and two granddaughters.  We have volunteered with several schools and various ministries with our local church for the last 30 plus years.  I am a member of the Kiwanis Club.  I have served on several committees including serving as President twice. 

I have worked in the financial industry over 16 years. I hold a Series 7, 63, 66 long with life insurance licenses. I work with individuals, families and businesses to assist them in reaching their financial goals.  My office is located in Cookeville, Tennessee. 

Ash Toumayants is the founder of Strong

Tower Associates. For over a decade, he has

helped hard-working people across Central

Pennsylvania prepare for retirement. In

order to gain access to the most beneficial

financial tools and services for his clients,

Ash decided to start his own firm. Fueled by

a passion for helping people see through the

veil of confusion that shrouds the financial

world, his goal is to educate his clients so

they can make more sound choices

regarding their financial future.

Ash graduated from Penn State in 2004 and currently lives in State

College with his lovely wife, Noelle, and their four adorable kids.

Ed Barone, Wealth Manager, CFF at Evergreen Wealth Solutions. Ed is a seasoned wealth manager, with twenty years’ experience assisting affluent families and business owners with Liquidity Strategies, Investment Management, Business Succession, Legacy and Philanthropic Planning.  He previously held the position of Vice President, Senior Client Advisor for Wilmington Trust, where he led a team of wealth and fiduciary professionals who provided investment management, legacy planning, and business succession strategies. Prior to that role, he worked with ING Financial Partners as an Investment Advisor for ten years.  His professional and personal philosophy is shaped by the following quote by Bill Bullard, former Dean of Faculty at San Francisco University High School: “Opinion is really the lowest form of human knowledge. It requires no accountability, no understanding. The highest form of knowledge is Empathy, for it requires us to suspend our egos and live in another’s world.”

I became a licensed health and life insurance agent in 1995 with the desire to help people protect their life’s work and to ensure their insurance coverage fits their needs and lifestyle.  In 1998, I started a company focusing on a complete approach to helping individuals as well as business owner’s focus on multiple areas to be sure their lifestyle and future was protected.  I realized, if I worked for only one insurance company, I would have to offer only their products to my clients even if they were not the best value or the best fit to my clients. By owning my own agency and utilizing multiple companies, I can truly find the products and services that makes the most sense to each client. I have found that most people want their trusted advisor to do the research for them and then offer the strongest products and services available, not just one product they happen to have.  

Education is my Mantra.  Reverse the old adage, What people don’t know will hurt them!

Goals For My Clients 

  Helping my clients Protect their Life’s Work

  Educating my clients on the solutions that best fit their needs

  Cost effective options for basic planning documents - Will, Living Will and   P.O.A’s

Business Clients  We help lower costs through – Employee Benefits - Legal Consultation - Debt Collection Issues – Contract and Document Review – Classic 105 Tax Strategy – Key Employee Plans and Business Continuation Plans                                          

Professional Training and Recognition

  Licensed Health and Life Agent in 20 states

  Retirement Planning and Business Protection Strategies

  Certified Identity Theft Risk Management Specialist

  ACA Health Insurance Certified

  20 years of helping people with Medicare planning

 About Me…I am married with 5 children and 2 Doberman Pinschers, Duke and Delilah.  I love spending time with my family and friends.  I enjoy traveling and experiencing different cultures and ways of life.  I also like working hard for both my family and clients.  I belong to several community organizations including the Masonic Lodge, and am a member of Living Word Church in Vandalia. 

With over 24 years’ experience in the industry, Brandon has seen his clients through both bull and bear markets. With an expertise in retirement planning, he draws on this industry experience to develop and manage financial strategies for high net worth individuals.

Personal Life & Education

Brandon grew up in Northern Virginia where he is currently raising his three very active children. He graduated from James Madison University with degrees in Finance & Marketing. He enjoys staying fit, outdoor activities, watching movies and charitable endeavors related to underprivileged children.

Giving Back to the Community

As a CASA (Court Appointed Special Advocate), Brandon has been appointed by the court system to advocate for the best interests of abused and neglected children. www.casaforchildren.org

David Afraimi began his financial services career in 1999 as an insurance account executive in Northern California. His ability and desire for growth quickly moved him into a sales management position, providing him with the skills and knowledge he would need to expand the company and move into a new market.

After five years of consistent success, David moved his efforts and expanded the company to Denver, Colorado in 2005 where he is currently the principal of BAM Advisory Group.

David is a highly energetic financial professional with 22 years of industry experience. He is passionate about providing sound advice to clients and appreciates the opportunity and unique challenge of working with and forming long-lasting relationships with a variety of people. David’s expertise includes retirement income planning, Social Security maximization, estate planning and tax mitigation.

David is able to build portfolios with objectivity, having no proprietary business obligations for himself and BAM Advisory Group. Being an independent advisor allows him to strictly focus on the needs of the individual. David’s licensing and certifications include the Series 66, Life & Health, Long-Term Care, Registered Investment Advisor, Registered Financial Consultant®, Certified Tax Specialist™, Certified Financial Fiduciary® and National Social Security Advisor®.

Outside of helping family, friends, and community members plan for the future, Davis also enjoys all the beauty and adventure Colorado has to offer with his wife, Kristy, and sons, Jordan and Ty. When away from the office, David enjoys traveling and visiting his family in Reno, NV, as well as mountain biking, snowboarding, yoga, and working out. The Afraimi family also love their 2 French bulldogs, Manny and Dre.

Tim Fallon is a dedicated Financial Educator and Owner of Fallon & Associates, LLC in Madison, WI.  With a life-long focus on civic service, Tim prides himself on educating his students on the basic concepts of financial management.  His goal is to ensure that individuals understand the opportunities and potential rewards that are available when taking a proactive approach to personal finances.

Before forming Fallon & Associates, LLC, Tim Fallon was a proud member of the law enforcement community. Tim graduated with a degree in Criminal Justice from the University of Wisconsin-Platteville in 1990. During school, he joined the Army and served as a Military Policeman for five years.  After graduating, Tim worked as a civilian Police Officer for ten years.

Upon retiring from law enforcement, Tim received his Life, Accident, and Health license and became a financial planner.  In 2002, Tim formed Fallon and Associates, LLC.  The company now offers a full-service financial planning firm to include: retirement planning, asset protection, estate planning, and Medicare supplements.

About Gary Hurt

Gary Hurt, Investment Advisor Representative

Certified Financial Fiduciary

Wealth Watch Advisors

Gary Hurt is an Investment Advisor Representative with Wealth Watch Advisors, an SEC Registered Investment Advisory Firm, and the Owner / CEO of Hurt & Associates Financial Services LLC.

With over 19 years of experience in the Financial Services industry, Gary has been able to help many hundreds of couples, individuals and business owners in working towards and achieving their financial and retirement goals.

Gary is based in Twin Falls, Idaho, and serves his clients across the state and nation in the areas of Investment and Insurance Solutions, Retirement and Tax Planning, Wealth Preservation and Protection Strategies, and  401K / IRA Implementation/ Rollovers and Administration.