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

An independent & non captive Certified  Financial Fiduciary 

Erik has lived in New York, Florida, California, and Colorado. Erik

graduated from Colorado State University in 1992 where he re-

ceived a B.S. degree in Business Administration with a double con-

centration in Finance/Real Estate, and Marketing. Having experi-

enced life in four regions of the United States, Erik says, “My cli-

ents live from coast to coast.” No matter where one resides in 

America, the same principles, and financial rules apply. 

Erik has been serving his clients diligently for over 25years.

Erik passionately contributes to the financial health of his

communities and companies by providing pro bono financial liter-

acy classes through nonprofit organization's he partners with.

He also provides 401(k) compliance audits for employers, that 

helps them reduce their liability exposure and fiduciary responsibility.

Proactive tax reduction is Erik's new focus with his clients in light of the coming tax time bomb's.

Brian has been a Financial Advisor for over 20 years, coordinating wealth preservation and planning for individuals. Brian utilizes his experience to assist clients in pursuing their goals through net worth analysis and retirement planning, as well as income and estate preservation strategies.

Brian earned a B.A. degree in Journalism with further studies in Business Management and Marketing from Colorado State University. He is a former member and past president of the Foothills Gateway Foundation Board and a current member of the Foothills Rotary Club.

Brian and his wife, Monique, have two children, Hunter and Kellan. They enjoy spending time together as a family, golfing and skiing.

Alan started in the industry in 1997, and enjoys helping high-net-worth individuals and families solve complex income, estate, and financial planning challenges. A native of St. Louis, Missouri, Alan received a degree in economics and finance from Denison University.

He and his family currently reside in Denver, Colorado, where he enjoys skiing, golf, tennis, hunting, fishing, hiking and travel.

Lawrence Castillo is President/Owner of L and C Retirement Income Planners and host of Safe Money & Income Radio in Albuquerque, New Mexico. Lawrence has worked in the insurance industry for over 39 years and proved himself as a reliable source of information in all facets of planning for a secure retirement. Serving as a member of the Life Insurance Underwriters, Lawrence excelled in estate planning and retirement income planning. He has taken his knowledge as a Moderator of 10 years and is currently a Retirement & Income Specialist.

Located in Albuquerque, New Mexico, Lawrence has lent his abilities to business owners, pre-retirees, and seniors and helped guide them away from common pitfalls in planning for retirement. He has a passion for helping individuals plan, manage, and protect their assets, and looks forward to each opportunity that allows him to share his knowledge.

Aaron M. Kennedy, a Certified Financial Fiduciary, Certified Funds Specialist and Certified Plan

Fiduciary Advisor, founded New Aspect Financial Services, LLC in 2015. As an Investment Advisor

Representative Aaron holds himself to the highest standard and acts as a fiduciary for his clients to

help them successfully navigate through all of their financial planning needs and goals.

Considered a “financial coach,” Aaron’s advice-based relationship approach to financial planning,

ensues trust and affirms his commitment to helping his clients achieve their objectives. Aaron

works closely with business owners in the areas of business and succession planning, employee

benefits, and risk management. For individuals and their families, Aaron’s expertise in retirement

planning and funding, educational goals and estate planning, protection and transfer is a

tremendous asset to his clients.

With over two decades of business experience, Aaron started his career in the financial services

industry in 1998 with the Mutual of New York Insurance Company. In 1999 he was named the

Top Producer in applications. In 2001, Aaron became an equity partner with Stark Miller

Financial Benefits Group where he helped build the organization to become one of the top

agencies at the Broker Dealer. In 2011, Aaron was named President and CEO of Stark Miller

Financial Benefits Group. In 2015, Aaron’s dedication to adding value and creating a superior

experience for his clients lead him to step away from Stark Miller Financial Benefits Group and

form, New Aspect Financial Services, LLC.

New Aspect Financial Services, LLC is a company dedicated to a suite of financial services and

experts. As Senior Partner, Aaron believes in a collaborative planning approach for his clients

and works closely with the partners and members of the firm. Additionally, Aaron works with

Woodbury Financial Services to act as his Independent Broker Dealer to bring added value to his

clients.

Aaron and his beautiful wife, Melanie, have two active sons, Nickolas and Pochie Kennedy.

Together, the family lives in the gorgeous state of Colorado where Aaron works closely with

clients near and far to provide first-rate service. Away from

business, Aaron enjoys golf, camping in the Rockies, time on the water and working with

community based programs in support of foster children and organ donation.

Todd has been passionate about educating and helping others throughout his life. He has been nationally recognized for carving new paths in teaching pre-engineering, computer science, design, and math across the country. During that time, Todd served as an adjunct professor in Digital Circuit Design at Duke, Iowa State University, the University of Minnesota, and other prestigious programs. He has also been a serial entrepreneur, writing books, developing learning platforms, creating community development programs, and providing ways to support the small business community in his hometown of Colorado Springs.

These ventures helped him realize his ideal life includes healthy and vibrant relationships, philanthropy, investment in the local community, technical challenges, problem-solving, and education. His background and passions, paired with a lifelong obsession with investing, have made a natural transition into being a skilled investment advisor. He prides himself in keeping client interests first and takes his designation as a Certified Financial Fiduciary seriously. He enjoys using his educational and entrepreneurial background to expand his clients’ financial knowledge and helping them make sound financial decisions. Todd understands and appreciates the complexity inherent in the entrepreneur lifestyle and strives to simplify the financial aspect of their lives. He creates impactful relationships and helps others solve their complex financial challenges by making complicated concepts understandable.

At Harvey Investment Management, Todd enjoys working with a select group of small business owners and high-net-worth families in a role as a personal wealth consultant. He works as a fiduciary in a virtual family office model in partnership with law and tax professionals to help his clients navigate the complexities of investment consulting (portfolio management and asset allocation, risk allocation), wealth enhancement (tax mitigation and cash flow ), wealth transfer (estate transfer), wealth protection, major liquidity events and charitable giving.

Todd enjoys golfing, pickleball, bouldering, traveling, and trying new foods with friends and family. He strongly supports his community by serving on the Peak Education Board, developing local mental health initiatives, and being an active member of the local church community.

Securities offered through HighTower Securities, LLC. Member FINRA/SIPC, HighTower Advisors, LLC is a SEC registered investment Adviser

Douglas is a certified Financial Fiduciary, National Social Security Advisor certificate holder, founder and owner of Stone Eagle Financial. He serves as the President and founding member of a small business consortium that serves the RiNo district of Denver. Douglas built his practice on the belief that all people deserve financial well-being and freedom in retirement. He believes in taking an educational approach when working with clients to inform them and to ensure he understands their needs.

Douglas works with a non profit organization called American Financial Education Alliance where he teaches comprehensive retirement planning classes in the Denver area. This is how he gives back to the community he loves.

Douglas’ passion for helping others achieve financial security was developed at a young age as he worked in his family-owned businesses. The restaurants began hosting financial workshops and it was during these workshops that he realized he had not received the financial education he needed to prepare for his own long-term financial health. Since that time he has worked tirelessly to improve the financial future for all clients he serves.

Douglas and his daughter Cassidy were both born in Colorado. In his spare time you will find him cycling, skiing, and spending time in nature whenever he has the chance.

Josh Karasow is President and CEO of Glory Financial. Since 2001, he’s been helping retirees and those nearing retirement develop plans that provide safety from market losses, tax reduction strategies, guaranteed lifetime income, social security maximization, fee avoidance… just to name a few. He’s a member of the Ed Slott Advisory Group, a Certified Financial Fiduciary and holds a National Social Security Advisor certificate. 

He and his wife Nicole have four amazing kids, Alex, Bella, Jackson and Zach. And when they’re not attending their kids’ sporting events, the Karasow family enjoys spending time together outdoors, playing games, watching movies and attending their local church.