ABOUT: Don Murphy and DFM Financial

Don Murphy started his career in financial service over 30 years ago in Washington D.C.  He is the owner of Capital Asset Structuring (CAS) a successful Florida-based company founded in 1998 and DFM Financial a Florida registered life insurance and annuity business owned and operated under Capital Asset Structuring.   

Don has a wide levelof financial experience ranging from advanced life insurance and estate planning to traditional broker assignments in securities, private investments, precious metals and financial arbitrage.   He has also held various mortgage broker positions, served as a charitable advisor for two Tennessee-based foundations, designed and delivered advanced training programs for numerous financial advisors and has taught the rigorous Florida insurance agent training and licensing course.

Don has been a national conference presenter on various financial subjects including gifting strategies, trusts and retirement funding.  He has also delivered hundreds of retirement planning and financial workshops and client seminars in various locations throughout the United States including New York, Minnesota, Alabama, Tennessee, Maryland, Virginia, Colorado, Georgia and Florida.  

Don is a Certified Financial Fiduciary (CFF) and a member of the National Ethics Association and the National Association of Insurance and Financial Advisors.  Don is a resident of St. Augustine, Florida, where he resides with his wife Vicki who, until recently, coordinated the International Baccalaureate Program at Pedro Menendez High School in St John’s County, Florida. 

Bill Fjeran, CFF (Certified Financial Fiduciary) has 50 years’ experience in the Financial Services arena. He has been a consultant to several insurance companies and has trained hundreds of salespeople in Tax Qualified Plans and Employee Benefits. He has lectured widely on Tax Sheltered Annuities (403b) at colleges, universities, hospitals, and various teacher organizations though-out the southeast.

Bill has concentrated his practice on the effects of taxation – before and after retirement, legislative risk, Social Security and Medicare Tax Traps and solutions for those current and future problems.

Living in Greenville, SC for over 28 years Bill and his wife Dana of 38 years, enjoy spending time hiking, biking, and jogging in and near the Blue Ridge Mountains.

Peter Zipp III, MBA and a Certified Financial Fiduciary® began his career in insurance in the late 80’s selling life insurance in PA.  He finished college and moved to AZ in 1994, worked as a controller for years in the construction industry.  Peter continued his education in AZ, obtaining a master’s from Grand Canyon University.  Since 911, he has been self-employed.  Peter loves working with the public and his community, so he opened an Allstate agency in Goodyear, AZ.  His passion is to education individuals and families about insurance and financial products.  So much that in 2017 his agency was recognized for customer service, # 10 in the country.  He credited this to being real, communication and his staff. 

"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.

Larry Lowder started his professional career in Washington, D.C. with the U.S. Department of Treasury’s U.S Savings Bond Division where he helped develop agency annual objectives and provided guidance in the implementation of those objectives. Later, he became the division's Mid-Atlantic Regional Director where he and his staff of twenty-five agents promoted the sale of U.S Savings Bonds in six states. This savings program was, and still is, offered to the public primarily through employer payroll savings plans and banking institutions. The Treasury uses this program to help raise a portion of the money needed to finance annual federal budget deficits (created by tax shortfalls) and the ever-growing national debt. These two U.S Treasury assignments provided Larry with two invaluable insights:

  * Establishing a personal savings/retirement plan to which regular and systematic contributions are made is the first step in acheiving financial security and that protecting those savings and their accumulated earnings from market losses is vitally important. 

  * As history points out, continuous annual federal budget deficits will eventually result in higher tax rates. Once this occurs, cash flow, wealth accumulation, and life style may be diminished for a long period of time. So it is important to develop a plan to reduce the impact of potentially higher tax rates. 

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, Cigna and Merrill Lynch. There, combined with his Treasury experiance, he expanded his knowledge and expertise in developing and implementing personal investment, tax, retirement, and legacy plans.  

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/retirement 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 National Social Sercurity Advisors.

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"