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!

Kathleen A. Bishop, CLU®, CWS®

President, Cowan Financial Group

Certified Wealth Strategist

Chartered Life Underwriter

Kathleen joined Cowan Financial Group in 1989, as an Administrative Assistant to the Chairman and CEO.  In 2008, she was elected President and Chief Operating Officer of Cowan Financial Group.  Kathleen is also a Senior Advisor in the firm.

Kathleen enjoys working with her clients and believes that you need to take a holistic approach to each client’s specific needs.  “Every client does not have the same lifetime goals or visions that they want to accomplish.  I believe you need to analyze each client’s specific needs, listen to what they are saying, and design a program that will work for that individual client.  You cannot place every person’s financial goals into a single mold, or plan.”

Kathleen is licensed as a General Securities Principal, Municipal Securities Principal, General Securities Representative, and Investment Advisor Representative.  In addition, she is licensed to transact Life, Health, Variable Annuity, and Long Term Care classes of insurance.  Kathleen has been in the insurance and financial services industry for over 35 years. 

Kathleen is a member of The American Society of CLU & ChFC and PACE, and the investment Advisory Committee. She represents Cowan Financial Group in the St. Johns County Chamber of Commerce. 

Kathleen is a past Board Member of INK, Investing in Kids, in St. Johns County and a current volunteer for the organization.  She is also a past volunteer for the St. Augustine Beach Sea Turtle Patrol. 

Kathleen and her husband live in St. Augustine.  They are owners of Ace Firearms.  Kathleen interests include RVing, target shooting, nature activities, photography and crocheting.

Securities and Investment Advisory services offered through NEXT Financial Group, Inc..  Next Financial Group, Inc. is not an affiliate of Cowan Financial Group.

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. 

MLA FINANCIAL & INSURANCE INC.

President/Owner

Insurance Professional/Investment Adviser Representative/Fiduciary

Michael has been advising his clients for over 25 years managing, protecting, preserving and insuring their assets. He believes in careful investment planning and well thought out strategies working in a holistic approach, looking at all aspects of your financial life offering advice on a wide array of investment and insurance options to meet your goals.

Michael started his Insurance career in 1990 offering Medicare supplements and Long-term Care insurance. Furthering his education, he moved his focus toward financial planning.

In October of 2000 he started MLA Financial & Insurance Inc. with the goal of helping preserve his client’s assets. Expanding his education even further he is also an Investment Adviser Representative as well as a Certified Financial Fiduciary offering a full array of investment services.

Michael moved in 1983 from Peoria Illinois to Indian Shores, Florida. He and his Wife Debbie live in Spring Hill and enjoy the Florida life style, spending time with family and friends boating/snorkeling/fishing and traveling.

As an Investment Advisor Representative, I am a Fiduciary and I will work in your best interest.

After receiving a Bachelor’s degree in Entrepreneurship and Emerging Enterprises from Syracuse University, George started his career in financial services in New York City before relocating to South Florida in 2013. Currently, he is a Certified Wealth Strategist and Investment Advisor with 16 years’ experience specializing in Retirement Planning.

When not working, George enjoys helping others learn and improve themselves by volunteering for various non-profit organizations. He also enjoys playing tennis, traveling, fishing and scuba diving.