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!

Dan joined Compass Financial team in 2012 and is primarily working with clients throughout the Southeast. His background is in retail sales and understands the importance of exceeding customer expectations. He fully embraces the motto of Compass Financial as he helps clients develop a "Clear Financial Direction" for their future. In his free time, Dan enjoys spending time with his family and serving the community. He is also an active member of Corvette Cruisers of Atlanta, Georgia.

In a distinguished career spanning more than thirty years, Ray Torres has emerged as an unparalleled luminary in the elaborate world of Retirement and Financial Planning Services. Renowned for his unyielding commitment to elevating the financial well-being of a diverse clientele, Ray's trajectory is marked by his unwavering dedication. 

Ray serves a diverse clientele comprising of Federal Employees, Executives, Educators, Business owners, pre-retirees, and Seniors, driven by a deep-seated desire to guide and assist them in navigating the complexities of retirement planning. His pursuit of the Certified Financial Fiduciary® designation underlines his avid dedication to providing honest assistance and upholding fiduciary responsibility, recognizing that retirement decisions demand a nuanced understanding. His evolution and expertise in the field reflect a deep recognition that retirement decisions cannot be simplified or learned through typical means, such as a quick internet search, but very much require a deeper understanding with personalized insight from financial experts. 

Rays approach and well-organized methods of educating his clients represent a unique fusion of personable and traditional encounters. In this increasingly virtual world, he recognizes and values the trust established through in-person meetings, allowing him to learn about his clients and thier financial goals, fostering a stress-free, honest environment for creating the ideal retirement plan. As a skilled expert in his field, ray instills confidence in his clients, assuring them that he is always looking out for their best interest. 

Acknowledging the unique needs of each client, Ray shines in customizing services. Whether clients are seeking guidance with financial planning, income distribution through the complexities of retirement plans, or implementing tax saving solutions, Ray meticulously tailors his expertise to each unique circumstance. He analyzes each financial situation and background carefully, being mindfully aware and considering many factors i.e., age, IRS timelines, financial concerns and individual preferences, setting him apart from others in the financial advisory field. 

As a holder of multiple licenses, including those essential for federal employee benefits, Ray's expertise extends far beyond the ordinary. As a Certified Financial Fiduciary®, he has successfully assisted with the retirement of all levels of federal employees. His client portfolio attests to his astute understanding of the distinctions of federal employees benefits as well as the financial considerations within the federal sector. 

Ray's accessibility and dedication are reinforced and supported by a large group of experts, including certified public accountants and Estate Planning Attorneys. Their collective proficiency in Social Security and tax matters, ensures retirees steer financial decisions flawlessly. His team guarantees the special needs are met for their clients, as they are all dedicated to their financial well-being, equally. His fulfillment in his role transcends mere professionalism; it is both a science and an art. He approaches every client situation as a unique challenge or puzzle, meticulously analyzing all factors to craft an individual and successful plan based on their financial needs. He is not just an advisor, but a custodian of financial wisdom and a beacon for those transitioning into the next stage in life of financial planning. Beyond being an advisor, Ray provides valuable guidance in areas such as Retirement, Social Security, savings, investments, taxes, insurance, and income distribution. 

The gratitude expressed by his clients is a testament to his unparalleled level of expertise, dedication, and overall success in the field. When it comes to financial advice, Ray Torres does not simply offer guidance; he orchestrates a symphony of financial success for those privileged to be under his stewardship.