"IF THERE’S SEVERAL WORDS THAT DESCRIBES SELF-MADE BUSINESS MAVEN VICKI GUNVALSON – IT’S ENERGY, COMMITMENT, INTEGRITY."

Vicki Gunvalson started her career in the Insurance and Financial Services industry in the suburbs of Chicago Illinois in 1991 and quickly became the top agent within the first year of her career. With pure sheer determination and passion for business, she was able to build Coto Insurance & Financial Services, Inc., to one of the most successful Insurance Agencies in the United States.

Vicki learned the importance of insurance after her father was diagnosed with Alzheimer’s disease at a young age of 59 without having any Long Term Care Insurance in force. After seeing the financial toll this took on the family, she decided to focus on helping others in planning for the unplanned.

Vicki surrounds herself with positive, high energy individuals that she loves and trusts and treats all her clients like she treated her father – with passion, devotion and commitment.

With the type of retirement planning Vicki does, she is able to show her clients how to obtain a lifetime guaranteed income stream in retirement which they can never outlive, all while their principle is protected.

Vicki holds various professional designations including:

• Member of the Million Dollar Round Table

• The American Association of Long Term Care Insurance

• A+ Rating from the Better Business Bureau

• Orange County’s 5 Star Wealth Manager and the National Ethics Bureau.

John T. (Jack) Peregrim

Jack has over 4 decades of extensive and successful business experience. Some of his accomplishments were: managing large business operations within global corporations; founding and managing his own international business consulting organization; being on a number of boards and having executive appointments as officers in a number of large associations; and many executive and director level positions within companies and corporations.

In the past few years Jack has been struck with the inefficient personal retirement planning options and resources that many individuals have the potential to employ. He has dedicated himself to supporting individuals in their retirement planning as he has with his past corporate clients. To do that he has extensive training in Social Security, Medicare, and retirement income/resource planning. He is committing to the education and planning for others to ensure they understand the many options they might consider at all stages of their life but particularly as they approach retirement where many decisions need to be made and each with complex considerations. His commitment is to ensure that his clients make the best individual decisions for themselves and their families and that starts with their education about options that fit their specific situations. Then developing an optimal strategy customized to each person or couple.  His role can best be described as a retirement transition coach, advisor, and advocate.

Michael D. Hodgson is a lifelong Central Ohio resident and Investment Professional specializing in retirement distribution planning. He has guided individuals and business owners from all walks of life not only to plan successfully for retirement, but to strategically implement that plan. From educators to business owners, from engineers to doctors, Michael has helped individuals reach their goals and aspirations for their financial future.

Michael Hodgson is the President of Safe Harbor Investments, Inc. and owner of Coastline Capital Management.  He implements the The Bucket Plan® System to create a unique retirement distribution plan for people who are close to or in retirement.  Through this Independent Income System, Michael's clients are able to turn off the daily noise of Wall Street and focus on what's most important to them.  

He is married with three children and enjoys golfing, reading, and volunteering.

We are independent financial professionals with the freedom to provide diverse guidance and insight to our clients. Looking to help safeguard the interests of our clients, in both up and down markets, one thing is absolutely clear--each person's situation is different. Accordingly, our approach will be to pursue an in-depth understanding of your situation as well as the personal values you hold. Over the years, this simple yet intimate approach has helped us guide our clients toward their goals.

Through our top commitment to the highest standards of trust, technology, and client services, our objective is to guide our clients through a myriad of complex financial issues to pursue desired wealth on a tax-efficient basis.

Early in his professional career, Larry spent ten years with the U.S Department of Treasury where he helped develop and implementprograms to offset annual tax short falls. There he learned that continuous annual federal budget deficits and an increasing national debt will eventually result in higher taxes. Once this occurs, cash flow, wealth accumulation, and lifestyle may be diminished for a cery long time. So, it is vitally important to develop a financial plan that will reduce the impact of potentially higher tax rates on future retirement income. 

After leaving the U.S Treasury Department, Larry became a financial advisor working with two major financial service firms. One was in the insurance industry and the other in the securities industry. With the financial planning training those firms procvided him, plus his Treasury experience, Larry was uniquely positioned to helps clients determine their financial needs as well as develop and implement a plan to meet those needs.

In 1995 Larry founded Lowder Financial Group, offering comprehensive financial planning services to business owners, professionals, executives, and retirees. As an independent advisor and as a Certified Financial Fiduciary®, Larry is committed to always putting a client's interest first, to making their goals the foundations of their financial plan, and to providing them the education and knowledge needed to make sound , informed decisions. 

Larry has a BBA degree from Wake Forest University and a MBA from the Wharton Executive MBA Program. 

He is a member of The National Association of Certified Financial Fiduciaries and the non-profit American Network of Financial Education.

                                                                    Larry L. Lowder

                                                   Certified Financial Fiduciary/ANOFE Member

                                         Suite One, 175 Strafford Avenue, Wayne, PA 19087

                                                                     (610)420-9092

                                                      LowderFinancialGroup@gmail.com

                                                                     WWW.ANOFE.org

Debra O'Connell joined Bergen Financial Group in 2016. She brings to the group over 20 years of customer service experience, as a valued addition to our team.  As a financial advisor helping clients plan for retirement, Debra enjoys working with her clients one-on-one to fully understand their goals and then working with them to create solutions specifically tailored to meet those goals.  She is supported by a team of administration and investment advisor representatives whose teamwork and professionalism ensure that each client is presented with thoroughly answered to the client's satisfaction.

Debra is active in her time off and enjoys traveling.  She likes to hike, scuba-dive, golf and spend time with family. She comes from a large Midwest family and enjoys their winter visits to see her in Arizona.

Hilliard & Herman Associates LLC

4495-304 Roosevelt Blvd Suite 215

Jacksonville FL, 32210

Office: (904) 373-1070

Cell: (904) 537-0837

http://www.hhassociates-llc.com/

Hilliard H. Wiggins III RFC is a Registered Financial Consultant a member of IARFC (International Association Registered Financial Consultants) with over 15 years of experience within the financial industry. After graduating with a B.S Biology/Chemistry from Tuskegee University he pursued graduate work in Biochemistry at UC Berkeley. Upon entering the financial sector, he immediately used his Methodical/Analytical approach toward science to finance. Growing up in the south and having older parents his natural market was Seniors. With that being said "Service" is a way of life. He currently is the managing partner of Hilliard & Herman Associates LLC a private insurance firm that specializes with Seniors and Small Businesses. The organizations he is affiliated with consists: NAPA (National Association of Professional Agents), NAIFA (National Association of Insurance and Financial Advisors) Alpha Chi Honor Society and Omega Psi Phi Fraternity. The firm focal point is Funeral- Legacy- Retirement Planning and will work diligently to achieve all goals. The firm have developed Strategic Educational Partnerships within the community to better prepare advisors to meet the needs of clients. Please attend one of our workshops within the community. We are welcome the opportunity to know your family and endeavors. 

.                         "Today's decision is tomorrow peace of Mind"

Matthew is a Certified Financial Fiduciary® who works with business owners, families, and individuals who seek a holistic approach to wealth management. Focusing on service first, his clients need an experienced financial advisor who educates and coordinates the difficult financial decisions come with owning a business and having substantial assets. With this knowledge, he quarterbacks appropriate investment explicitly suited to the client wants and needs.

To better serve his corporate customers and business owners, he obtained a CPFA-Certified Plan Fiduciary Adviser designation. This advanced designation helps him, and his clients understand the fiduciary relationship and responsibilities of the business owner to their employees. Matthew has a passion for thoroughly educating the employers and employees with the knowledge needed to make prudent investment decisions for their future.

Matthew believes in providing solutions driven advice to his individual and family-based clients by using The Bucket Plan® approach to their household. This positions their assets to grow and protect the family now and into the future.

Matthew Resides in the beautiful St. Francisville, LA with his wife Leslie, and two children, Lucy and Caroline. As a former chef, he spends a lot of time cooking for friends and family while enjoying the fruits of Napa Valley.

Todd is an esteemed colleague of the Heartland Institute of Financial Education and is a CFE (Certified Financial Educator); Todd has instructed financial wellness classes for almost two decades, helping people build more secure financial futures. 

Todd also has a separate financial planning practice where he advises and consults with clients and small businesses on how to create, preserve, and transfer wealth.  Through comprehensive financial planning, Todd prefers to develop a personal relationship with clients that enable them to envision and prioritize their short and long-term financial goals. 
Through his programs and college classes Todd has shown thousands of people how to protect and preserve their assets, increase their retirement income, and reduce their taxes.

Todd’s office and home are located in Glendale Arizona. He has been blessed with two wonderful children: Liam and Megan. Todd’s business and personal life reflect his core belief that success comes from the five “F’s” – Faith, Family, Finances, Fitness, and Fun.  

Diana Foster Edwards is the President and Founder of Edwards Insurance and Financial Solutions LLC, an Independent Brokerage and Insurance Firm in Northern Chesterfield, Virginia since 2010.

Diana holds a Bachelors of Business Administration Degree from Saint Paul’s College and began her career in the Real Estate Industry in 1981.  She is currently an Associate Broker with Long and Foster Real Estate Brokerage and although she has enjoyed a long and successful career in real estate, she in recent years embarked on an additional career in the Insurance and Financial Services industry where Diana found her niche in this market where she assists Seniors with their Medicare Retirement and Real Estate options.

Diana and her husband were caregivers for her widowed mother for 20 years It was during that time that Diana become sensitive to the needs of an aging parent and developed skills of managing her business and taking care of her health care needs. She learned the importance of spending time, being patient, and having compassion for her mother’s growing needs, during the time in which our role of mother and daughter had clearly changed.  Little did Diana know that this experience was preparing her for the launch of her second career helping seniors like her mom who need patience and kindness and compassion to help them with making critical choices for their Medicare and Retirement needs.

Seniors love working with Diana because they say that she makes them feel comfortable and she takes the time to explain and educated them in planning and help with making difficult decisions for this stage of their lives

Diana is passionate about educating and empowering her clients in their Senior planning options.  She teaches Medicare Basics in the Adult Education Curriculum in Chesterfield County, Va. She is devoted to continuing education in her fields and brings expertise and years of valuable experience to the table for her clients.

She holds licenses in Life, Health, Annuities, Property and Casualty ,Real Estate  Long Term Care and is currently licensed in the states of Virginia, North Carolina, Maryland, Alabama, Florida and New York.  She holds the Certified Senior Advisor Designation (CSA), Senior Real Estate Specialist Designation (SRES) and most recently the elite Certified Financial Fiduciary Designation (CFF).  She is pursuing additional designations in Social Security, Taxes in Retirement and Long Term Care Professional (LTCP)

Diana pursues yearly certification training with multiple insurance carriers.  She is a Level 2 “Authorized to Sell” AARP agent and she partners with the ONLY  Medicare health insurance carrier who is branded with the AARP brand of distinction  Her mission is NOT to be a transactional professional, instead, Diana heart’s desire is to serve her clients with excellence and build a long and lasting relationship with them so that she may continually serve them and help them to leave an strong and endearing legacy to their loved ones.

Diana has embraced to a holistic business model as she helps those approaching retirement with strategies that will turn their Retirement Savings into Retirement Income and all without losing any of their principal.

On a personal note, Diana enjoys spending time with family and friends.  She loves every opportunity to have friends over and lavish them with good food and educating them on the wonderful health benefits of essential oils.  Friends are often treated to therapeutic foot massages and encouraged to relax and enjoy these special moments.

Diana is married to college sweetheart and husband of 43 years, Zachariah Wesley Edwards.  She and Zachariah are business partners and are an exceptional team of trained and experienced professionals who have dedicated their lives to TEACH others that they may REACH others to help them live their BEST lives by making their BEST choices.   How can she help you today?

Alternate phone #- 804-674-1795