Cherese L. Spand has thrived in the financial
services industry for over 16 years.
She attended Mercy College in Dobbs Ferry NY.
Her corporate experience along with her
secular experience has moved her to educate
her clients in the areas of Insurance, Tax free
Retirement Planning and Asset Protection.
Cherese’s unique skill set and determination
has set her apart in the Financial Services
arena. Her focus is educating women and

small business owners on the
importance of having a solid financial blueprint. That will prepare them to be Savvy, Healthy & Empowered. 
Cherese is a member of Rotary International.
She sits on the Executive Board for Monroe
County Women’s Commission, And the
Diversity Council for the LKN Chamber of
Commerce. She won Twilight Rotary
Distinguished Rotarian of the year for 2018-2019

Frank Riedel IV is the President and founder of Hurricane Financial Corp. Hurricane Financial, is a company dedicated to helping clients to achieve their financial goals without unnecessary fees or exposure. In his career, Frank has helped clients in many states from coast to coast. Frank has over 20 years of experience in related financial industry areas. Frank is a Certified Estate Planner (CEP) and Retirement Income Strategist. Frank is also recognized as Infinite Banking Concept (IBC) expert and Authorized Practitioner. Frank has been featured in Advisor today magazine and Vanguard magazine. Frank is sought after speaker and educator and an International Best-Selling Author. In 2019 Frank published a book entitled “What Keeps You Awake At Night?” The book has received great reviews as a source of information and education. In 2019 What Keeps You Awake At Night became an Amazon.com International Best Seller.

 Ephesians 2:10

For we are God’s handiwork, created in Christ Jesus to do good works, which God has prepared in advance for us to do.

Frank’s personal message:

It is never too early or too late to attain knowledge or readjust the course you’re on. Having a plan is one thing. Avoiding financial potholes is another. Retirement Income Planning provides a reliable roadmap to your destination. You do not need to risk future to achieve your goals!

Thomas Ginas - CFF, RICP, NSSA, RFC

Tom Ginas is the founder & President of Ginas Financial Inc. & has been in the financial services industry for over 20 years.

Upon earning the Certified Financial Fiduciary (CFF), Retirement Income Certified Professional (RICP) & National Social Security Advisors (NSSA) designations and combining them with an in-depth knowledge of Life, Health, Medicare Supplement Insurance Plans & Benefits, Tom has focused on educating his clients on their options and planning strategies, so they will feel confident in the decisions they make for a comprehensive, long-lasting & fulfilling retirement plan. We help protect your needs, wants & wishes.

Why. Problem. Solution. Promise. After 18 years working with Bank of America, Wells Fargo and two small banking entities, Polly Outhay made the decision to begin her journey in private financial service sector as an independent agent, dba Ali_Polly & Associates brokerage by First Financial Security, Inc national brokerage agency, Norcross, GA. Polly is passionate about helping ALL people achieve financial security. Over the past 5 years, she has worked with over 1000 clients to help them choose a good sound investment portfolio and create financial security and peace of mind for each household and businesses. Polly also provides financial education within the community. As a CFEI financial strategist, Polly’s main goal is to help clients make well-informed decisions. Through a Needs Analysis Exercise, Polly develops financial strategies tailored to each client’s unique needs. • What are their goals? • Are they on track? • How are they protected? • What’s keeping them up at night? Polly takes her time listening to your concerns, share all information about potential investments, including benefits, risks, and tax issues, and treat her client’s financial goals with the same care and interest that she devotes to her own.

As a

C ertif ied Financial FiduciaryFiduciary, Polly pledge s to carry code of conduct s in the

following area in her practice



Practice the Duty of Loyalty: A CFF designee will first and foremost agree to

always put the client’s best interest first



Practice the Duty of Good Faith: f undamental obligation to treat all clients fairly



Practice the Duty of Good Care: fundamental obligation to exercise the skill of an

expert and to only advise in those areas where expert skill l evel has been obtained



Educate First: provide comprehensive and unbiased education to clients ensuring

they have a firm grasp of the subject matter prior to offering specific suggestions or

advice

Patrick Harkin retired from the U. S. Postal Service with nearly 35 years of government service in many different positions including five as Postmaster, numerous OIC/Acting Postmaster positions and other assignments to USPS Headquarters, Region & Area Headquarters, finishing his career as Manager, Operations Programs Support for the Greensboro District.

Patrick served in the U. S. Air Force and the Iowa Air National Guard.

Patrick studied Accounting and Business Law at Drake University and Iowa State University.

Patrick was born and raised in Iowa and moved to North Carolina in 2000 as a promotion to Postmaster of Shelby North Carolina.

Upon retiring from the Postal Service Patrick realized there is a huge gap of knowledge and understanding for postal employees, federal employees and veterans about their benefits and no one true source to get definitive answers.

Patrick specializes is federal benefits for current employees, retired employees and their family members.

Patrick has taken training and is a Certified Financial Fiduciary® and Federal Retirement Consultantsm .

Garrett W. Moretz has many years of experience working with clients to plan financially with safe investment alternatives as well as investment management. He is an independent financial advisor who has been helping consumers with tax advantaged investment alternatives for over 22 years. Garrett has created a service that caters to people who are frustrated with low interest CD’s and are rightfully scared of the crazy and risky stock market but still want higher interest and rates of return. His services help consumers find alternatives to not only safely protect their nest eggs but that also provide many tax advantages and growth. Garrett also specializes in long-term financial planning for pre-retired and retirees, including but not limited to, investment planning and estate planning. Garrett has earned the distinguished Certified Financial Fiduciary® (CFF) designation. He has also earned the Global Financial Steward (GFS) designation. Garrett’s business, Moretz Wealth Management, LLC, is based in Mooresville, North Carolina but he services consumers throughout the United States. He is a dedicated family man with a wife, Julie, and three sons, Kessell, Caleb and Noah. Garrett has lived in the town of Mooresville, NC for 22 years after moving from Huntersville, NC. He is originally from Alexander County in the foothills of North Carolina. Garrett attended both the University of South Carolina and Montreat College in Charlotte, NC where he studied business administration and supervision. He has been affiliated with American Express Financial Advisors of Minneapolis, MN, Synergy Investment Group of Kannapolis, NC, Allegiant Financial of Miami, FL and First Heartland Capital of Lake St. Louis, MO. He is currently affiliated with LifeMark Securities Corp. of Rochester, NY Moretz Wealth Management, LLC 347 N. Main Street, Suite 201

I help Federal employees navigate their benefits. 

The reality is that navigating the benefits system is not easy! Electing the wrong choice can cost you and your loved ones potentially thousands of dollars.

Federal benefits are some of the best in the workplace, but not all of them. Get the answers you deserve without all the hassle of endless unanswered emails and telephone calls.

Bob began his career in Financial Services in 1979, after spending over 7 years as a

College Financial Aid Administrator. With a bird’s eye view of the financial

circumstances of a cross-section of the population, it was an easy transition in engaging

prospects in discussing their financial needs. Being a graduate of UNC Chapel Hill, with

a Bachelor’s Degree in Math Education, and teaching math for 5 years with the

Charlotte-Mecklenburg Schools and (part-time) at Central Piedmont Community

College, the “educator” basics have endured in making the general public aware of the

instruments, strategies, and individual applications available. Bob has conducted agent

training within the insurance industry for decades. His Graduate Degree in Guidance &

Counseling (UNC-Charlotte) provides a unique background in fostering his genuine

financial counseling approach, opposed to “selling” financial services.

Bob has more than 4 decades in assisting thousands of clients. He lives in Charlotte,

with his wife Beth. He has 2 children—one an attorney, and the other who also

provides financial services—and three grandchildren. Bob stays abreast of changes in

the financial services industry, and maintains an affiliation with the top carriers, allowing

him to find the best values available for his loyal clientele. That’s why they stick with

him—honesty, objectivity, maintaining personal contact, and providing first-class service

for the best interests of his valued clients!

Email: bob.long@benchmarkigroup.com

Address: 7300 Carmel Executive Park Drive, Suite 330, Charlotte, NC 28226

Phone: (Office) (704) 527-3993 (Cell) (704) 641-2510

Fax: (704) 527-7371

My team and I help individuals make the transition from their work life to their retirement life.  As you get closer to retirement, you will have to make some of the most important financial decisions of your life. Most of these do not get a do-over.
 
Our goal is to help you get the most out of your retirement assets. This includes finding reliable sources of income, long term care benefits, and determining how much of your assets should be in the stock market.  There is a lot to do to make sure you have a happy and healthy retirement.

It all starts with having a plan. 

We will help you discover how much income you will need.

We will help you identify the risks you will face during retirement so you can plan for them.

Over the last 16 years, Tim has had the pleasure of working with thousands of clients. They all speak highly of his integrity, humility, skilled knowledge, and laid back demeanor that resonated to each of them upon meeting with him and throughout the transaction process. His tremendous love and passion is very apparent as he helps to provide all his clients with the necessary financial and insurance planning tools to insure against any unexpected future life event. This
proactive approach makes sure that existing and future generations will inherit a sense of financial stability.

Tim and his wife Judy have been blessed with 33 years of marriage and reside in the Raleigh, NC metro area. They have two amazing children, one son and one daughter, along with four rambunctious grandchildren. Prior to Tim’s financial advisory and insurance career, he and Judy owned multiple highly successful businesses in real estate, retail, and a wholesale distribution company. His life balance is built around his faith, family, friends and the lifelong relationships he
has forged with his clients over the years. When he is not meeting with clients, Tim enjoys spending time relaxing with his family, attending church functions, golfing, lifting weights at the gym, or playing in softball leagues.

At the initial discovery meeting, he seeks to gain an in-depth understanding about each client’s financial needs, current insurance coverages, and personal retirement goals. After the initial fact gathering meeting, he will then perform an extensive analysis of the information obtained in order to provide you with the best solutions/options to help you achieve your desired outcome throughout your retirement years. He utilizes his expert knowledge and numerous licensed
certifications to help provide the families and businesses he serves with innovative financial strategies and sound solutions. His well defined plans will result in financial clarity, security, and peace of mind for you, the client.

He and his team of experts welcome the opportunity to earn the trust of anyone looking for assistance with qualified plan rollovers (IRA,401K,403b, and TSP), long term care protection/planning, asset protection with no market risks, retirement income planning, life insurance/family legacy planning, tax free income strategies, Medicare supplemental insurance, social security maximization, etc. Once you personally schedule a meeting with Tim, you too will have a much better idea of how he can help you address any of the issues you have concerns
about and the best solutions to give you the peace of mind you innately deserve.