Joe Overfield’s Bio

Joe is a Certified Financial Fiduciary® with over 10 years in the insurance and financial services industry. He holds a BA from The Ohio State University in Communications and is a Bank On Yourself Authorized Advisor.  In 2015 he started his own firm, Intelliplan Financial. His practice is dedicated to foundational retirement planning and teaches clients new strategies outside of the traditional retirement income planning box that stabilize and protect their financial futures. Joe strives to help manage any market volatility with the strategies provided so clients can feel confident and reach their retirement income goals.

Joe has helped his clients grow and preserve their wealth by helping them take control and reach their retirement income goals without taking unnecessary risks.

Joe is one of only 200 life insurance agents in the country who have successfully completed the rigorous training and continuing education requirements to become a Bank On Yourself Authorized Advisor. He was also inducted into the National Academy of Best-Selling Authors, as a co-author with Bank On Yourself CEO, Pamela Yellen, of the number-one Amazon best-seller, The Secret to Lifetime Financial Security.

Joe lives in the Columbus, Ohio area with his wife and two children, and has been practicing the principles of foundational planning since 2004.

My goal in starting my own firm has always been to help clients achieve their life goals.  I understand all too well that your precious capital is an important component to achieving your goals in life.  I started my firm because it allows me to focus solely on taking care of clients.  There are no other agenda items based on the firm I work for.  I work for my clients. You can learn more about me at www.romeroinvestment.com  

Kevin M. Krieg

wealth Advisor

 904-824-8147

 904-8246066

 KKRIEG@NEXTFINCANCIAL.COM

Kevin brings over 13 years of experience as a licensed and trusted advisor to his clients. Kevin has a very robust understanding of the financial markets, and the vehicles to help achieve a vision while overcoming the obstacle in the way.  His process driven belief is how he establishes long-term relationships to help his clients see their true vision.  His areas of expertise include retirement planning, distribution planning, estate planning, and tax efficiency planning.  He strongly believes that the distribution phase and the years leading up to it take a particular focus and expertise to accomplish the vision set out. He is very passionate about the families and businesses he serves and goals they rely on him to accomplish.  Kevin has two boys Hudson and Harrison that are age 6 and 4, and enjoys spending his time with them.

For more than two decades, Al Martinez has been an advisor and general agent in the

financial services industry, helping clients to make sound financial decisions in the areas of

insurance and retirement planning.

As the host of the Retirement & Income Radio show, Al’s focus is on providing safe money

retirement strategies and solutions, exploring ways to protect retirement money, increase

income, and protect against potential market losses and economic volatility, including health

circumstances, taxes, and those unforeseen situations that can be devastating to principal

assets in retirement.

Al’s background includes a career with the U.S. Forest Service as a member of a national callout

team to manage fires all across the nation. His expertise was protecting firefighters

through developing and implementing fire safety training and oversight. This same concept of

protection is extended into Al’s career as an expert in helping people retire with safety and

security, providing financial solutions to protect their hard-earned and precious retirement

assets.

Al is the proud father of three daughters and enjoys rafting, hiking, biking, and fishing in the

great state of Colorado.

Make sure your money is working as hard for you as you did to accumulate it! Give Al a call

and let him provide you with a purpose-driven view of your retirement goals.

America’s Financial Solutions Group, LLC

1.888.418.3358

Cell: 303.478.3358

http://afsg.retirevillage.com

www.americasfsg.com

Terrell Gamble was born and raised in Wisconsin. Terrell is an experienced financial professional. He specializes in providing comprehensive advice for individual’s financial needs. He graduated from the University of Wisconsin- La Crosse with a bachelor in economics in 2012. He went on to work in the insurance industry right after graduation. Terrell finally joined with his mother Lynn Gamble to create the company in January of 2015.

Terrell got into the industry because it is an ever changing industry. New laws and plan designs are always changing and he provides that adaptability to his clients. He also builds personal relationships to help understand everyone’s financial needs in order to protect them in their most dire situations. In accordance with his philosophy, Terrell believes insurance can be used at any time in life. For example, Terrell used a life insurance policy to help cover expenses in the last years of college.

When Terrell isn’t helping people reach their goals, he loves spending time on the golf course. If you catch him golfing at the local course please feel free to say hello, and beat him in a hole or two.

Tim Romero is the owner of Romero Retirement Strategies. Romero Retirement Strategies is family owned and operated with offices in Port Arthur Texas. Tim is Certified Financial Fiduciary and a Investment Advisors Representative. Capitalizing on many years of sales experience Tim came to work with his father in 2006 and took over day to day operations upon his passing in 2010.

As an independent agency, Romero Retirement Strategies does not work for or represent any one particular carrier or provider, but instead has the freedom to choose what companies, products and services to represent. Com-bining Insurance with investing allows them to work for their client’s best interests. Utilizing Safe Money Retire-ment Strategies, RRS specializes in the needs of folks who are already retired, or will be retiring in the next five to ten years. But because it is never too early to start thinking about retiring they also help all generations preserve financial resources with Life Insurance and Health Insurance. When it comes to investing Tim specializes in risk management and offers simple solutions to complex investing problems.

Tim is a top producer with Insurance Agency Marketing Services, one of the leading insurance marketing groups in the country. Tim has consistently ranked in the top ten out of over 1000 producers with IAMS and has been recognized for exceptional sales performance.

Tim has been married for over 30 years to his wife Vickie and they have two children and one grandson. He is ac-tive in his church community serving as President of the Parish finance committee, a lector and teaching religious education. Tim is currently serves on the National Board of Directors for Sertoma, is an Associate Lodge Adviser in the Order of the Arrow, Three Rivers Council BSA, a recipient of the BSA Silver Beaver Award, a Past District Governor of the East Texas/Louisiana district Sertoma International, a Past President of the Port Arthur Sertoma Club and Past Grand Knight in the Knights of Columbus.

Investment Advisory Services Offered Through IAMS Wealth Management

A SEC Registered Advisor

Early in his professional career Larry spent ten years with the U.S Department of Treasury where he helped develop and implement programs 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 tax rates. Once this occurs, cash flow, ealth accumulation, and lifestyle may be diminished for a very 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 for two major financial service firms. One was the insurance industry, and the other in the securities industry. With the financial planning training those firms provided him, plus his Treasury experience, Larry was uniquely positioned to help 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, as well as being a Certified Financial Fiduciary, Larry is committed to always putting a client's interest first, to making their goals the foundation of their financial plan, and to providing them the education, knowledge, and guidance needed to make sound, informed decisions. 

Larry has a BBA Degree from Wake Forest University and an MBA from the Whaton Executive MBA Program. 

                                                                Larry L. Lowder 

                                                Certified Financial Fiduciary/ANOFE Member

                                       220 Stafford Street, Unit 105, South Burlington, VT 05403

                                                                 (610) 420-9092

                                                     LowderFinancialGroup@gmail.com

                                                                  WWW.ANOFE.org

Christopher F Villwock is the co-owner of TLC Wealth and TLC Insurance Group Inc.  He has been in the business for over 20 years and holds securities, life and health licenses.  Chris has always had an aptitude for investments and wealth management.  At the age of 24, he recognized the necessity for personalized and professional retirement planning focused on the senior population.  Chris has found purpose in making a difference in his client’s lives.

Chris’s leadership has enabled TLC Wealth Inc and TLC Insurance Group Inc to establish footprints across the United States.  The companies have over 1,000 agents collectively and numerous regional branch offices.  TLC’s headquarters can be found in Howland, Ohio.

Chris is happily married and lives in Howland, Ohio.  He grew up in nearby Champion, Ohio and later attended Duquesne University where he played baseball. His passions have always been centered in athletics.  He presently enjoys mentoring his 3 daughters in their athletic development, and cheers for the Ohio State Buckeyes and Cleveland Browns.

Garret Fields is a Certified Financial Fiduciary and is committed to maintaining the highest level of ethical standards in the financial industry. At Nelson Financial Planning he works as a financial planner specializing in helping people understand their cash flow in order to save for retirement. Mr. Fields holds a Series 7 license with FINRA and is also a Registered Representative with Nelson Ivest Brokerage Service.

Prior to joining the firm in 2017, Mr. Fields received his B.S. in Finance from the College of Business at the University of Central Florida.

Mr. Fields is active in the community and is a graduate of the Leadership Winter Park program. This program helps bring awareness and solutions to current issues in our community. He is also a member of the Orlando Young Professionals, which focuses on leadership development.

In his spare time, Mr. Fields loves spending time traveling with his family and friends and has a passion for aviation. He is a member of Aircraft Owners and Pilots Association and earned his private pilot license at the age of 18.  He has been an avid aviator ever since!