Julie Manning consults and advises clients on key risk factors they may face in retirement, helping them build a plan to get from point A to point B with certainty. As she answers questions and provides guidance to clients, she keeps her focus on addressing their personal needs and goals, always making decisions that are best for the client.

After more than 23 years in the financial services industry, Julie started Keystone Financial Planning with one focus: create a more personalized approach for clients. “I believe that the old model of lots of fees with little service doesn’t align with what should be happening in financial planning,” she said. “I wanted to discover new and improved ways to serve clients.”

 Julie’s approach is to deliver a client experience that is never rushed or intimidating and often educational. She has received Circle of Excellence recognition by Women in Financial Services (WIFS), a national organization that supports women in financial services. Julie partners with Woman’s Worth®, a unique program that helps women understand the relationship between health and wealth. She earned her Retirement Income Certified Professional® (RICP®) designation to provide even more value to her clients and is a Certified Financial Fiduciary (CFF)®.

 Julie and her husband, Greg, have four children, one grandson and 14 chickens. She fills up her free time with a variety of activities, including gardening, painting, working out, and playing with her grandson.

Ralph Gale has been helping people with their financial and protection needs since 1987. Ralph

began his career with Combined Insurance he soon realized that his clients didn’t fit into a

“cookie cutter” approach. Ralph moved to Prudential Insurance and began the investment side

of his practice. Following the recession of the 90’s his position was eliminated and he was

offered a Comptroller's position for a business in Florida overseeing the finance and insurance

division

Ralph migrated back to West Michigan and began building a team dedicated to providing

accurate investment and protection advice to seniors. While building a successful team was

gratifying his desire to stay hands on with his clients drove him to step down from that position

and formed “FIREProof Wealth Management LLC”. Insisting on the highest level of integrity and

accuracy, isn’t the Gold Standard, It’s the ONLY Standard!

Ralph’s approach is simple. Everybody’s situation is unique so a “cookie cutter” approach is an

insult to his clients. Your situation is yours and only you understand it and can communicate it

properly so it is up to us to help you tell us your perfect retirement then hope for the best and

plan for the rest.

Your investments are only a way to pay for your plan they are not your plan. We strive to make

your investments and protection fit perfectly into your puzzle.

Ralph spent time in discussions with many of the major brokerage firms and decided like he had

many years before that being independent would be the only way to insure his clients that the

advice they would be receiving wasn’t corporate policy or somebody in an office somewhere.

Ralph is local his advice is based on local conditions.

Ralph and Kay have been married for 22 years have two beautiful daughters ( just ask him).

Ralph and Kay attend Ada Bible where he has lead a Men’s small group study for 6 years.

Ralph knows that it’s either true or it’s false there is no gray. Therefore the answers you get to

your questions and concerns will always be true.

Christina Maria Lamb is a Financial Planner and IRS Enrolled Agent with Nelson Financial Planning (NFP) as well as a FINRA Registered Representative and Principal of Nelson Ivest Brokerage Services (NIBS), in Winter Park, Florida. 

Mrs. Lamb graduated from the University of Central Florida earning her Bachelor of Science degree in Business Administration as a finance major. While attending college, Mrs. Lamb worked a full-time accounting position with Aramark and joined the NFP team as a financial intern back in January of 2004.

Mrs. Lamb holds an Enrolled Agent designation from the Department of the Treasury Internal Revenue Service, a Series 6 Securities License, Investment Company Products/Variable Contracts Representative and Series 26 Securities Principal License, Investment Company and Variable Contracts Products Principal.  Mrs. Lamb specializes in integrating tax implications throughout an individual’s financial plan.

Mrs. Lamb’s volunteer work in the community includes involvement with local public schools in the Kissimmee/Saint Cloud area where she grew up, along with yearly participation with the American Cancer Society.

Mrs. Lamb has been married to Eric Lamb since 2008. They have one son Ethen, who currently is involved with the Boy Scouts of America and hockey.

My experience initially as a Contracting Officer Representative while active duty in the U S Army set me on the path I’m on currently.  I’d always been a helper to people, from a child to present, in some capacity or another.  In this area of business, since April 2012.  As this list lengthens on those I serve, I’m more impacted on how these lives are changed by the service and commitment brought to them.  Because of that, I will continue to stand for them and those they desire I serve

Colton Cockerell is a financial advisor for Sharer McKinley Group, LLC. His passion is working with people and assisting them in reaching their financial goals through fiduciary, prudent investment advisory services and strategies. Since joining the Sharer McKinley team, his role as an investment advisor is focused on the design and implementation of retirement plans for his trusted clients. He also works closely with younger families advising on the importance of saving for college through tax-advantaged investments.

Cockerell began his financial career working as Director of Operations with Sharer McKinley Group, LLC in 2013. While in this role, he was responsible for servicing and communicating with many diverse clientele. Because of this, he was able to learn, grow and develop the skills necessary to perform each task at a high level while understanding the importance of giving every client the time and attention necessary to achieve all of their pre and post retirement goals. 

Cockerell is a graduate of the University of Houston – Clear Lake with a degree in Finance. Outside of the office, he volunteers at Bay Area Church in the worship and youth ministries and enjoys golfing, hiking and being outdoors. 

Robert Crane founded The Crane to work exclusively with mature investors and help them protect their financial assets.

Bob’s 35 years career has been devoted in the insurance industry, specially assisting retirees and pre-retirees with estate planning, asset preservation and proper financial planning. Bob adheres to the highest standards and qualifications prescribed by the National Association of Insurance and Financial Advisors (NAIFA). In addition to attaining the prestigious CLU, ChFC and CASL designation also he is Certified Financial Fiduciaries.

Ocala, FL  34471

500 E Fort King, ste A

As a financial professional who specializes in helping people make the transition

from work to retirement, he understands that you have questions about when and

how you can retire. Rather than trying to be all things for all people, he focuses his

practice on those who are preparing to retire and/or are retired. He can answer

your questions and present mathematically proven strategies to help you prepare

for a more comfortable retirement. A retirement in which you have peace of mind

about your finances. A retirement where you can sleep well at night since you

know that you have a secure financial future. Gene has received specialized

training in Social Security benefits, Federal employees' benefits, & the Public

Employees' retirement benefits systems for the states of AL, LA, MS, and TX. He

helps his clients coordinate Social Security with their other sources of income by

creating a retirement & income plan which seeks to maximize their income while it

also seeks to minimize their taxes. He is passionate about increasing the financial

literacy of the people he meets, whether they become clients or not.

As an Investment Advisor, he is held to a Fiduciary Standard of care which means

he must do what is in the best interest of his clients. Even before he became an

Investment Advisor, he held himself to this same Fiduciary Standard. Since he

began his career in April 1987, the philosophy he has lived by, in both his personal

life and his professional life, is the belief that if he focuses on helping people get

what they want out of life, he will get what he wants. It all starts with helping others

get what they want!

When asked what his goal is when he works with someone, Gene replies, “To help

individuals, families, retirees, and business owners achieve the retirement they

have envisioned through the use of proven financial strategies focused on a few

key major areas. We show clients how to protect against loss and taxation, while at

the same time increasing and safeguarding their hard-earned monies and assets.

We bring institutional investment expertise to the individual investor. We provide a

full range of investment management and advisory services to high net worth

individuals and institutions and we bring those same investment plans and

products to our individual clients. Our investment philosophy is based on the belief

that the patient, steady, disciplined, and lower-cost path will serve you better than a

lifetime of risk, volatility, chasing fads, and second-guessing."

Value Statement

We work with clients, their family, and businesses with independent personalized financial solutions that strive to meet their unique financial goals throughout all phases of their financial lives. We are committed to being there when changes occur by being able to tailor any ideas, suggestions, or alternatives to fit the client’s needs.

Wealth Management Approach

Our approach to wealth management starts with you. Every plan we put together is designed differently around the needs of the client. My practice does not follow a generic “one size fits all” portfolio model. We will work together to develop strategies and recommend personalized solutions designed to help you during the phases of your overall financial lifetime; create & grow your assets, protect & preserve those assets, distribute assets & transfer your wealth in the most tax-advantaged ways possible.

n Understanding Your Financial Objective —We begin by asking questions and more importantly listening to understand more about your financial objectives

n Developing Strategies — Next, we evaluate the financial and personal information you provide so we can match your objectives with sound strategies.

n Implementing Solutions — Using these strategies, we develop independent customized solutions tailored to your goals and objectives.

n Providing Timely, Ongoing Service — After implementing your plan it is our duty to keep you informed on a regular basis. Also pro-actively monitor if any changes are needed based on market conditions or change in financial objectives.

Qualifications

I have been managing money professionally for over 22 years and my strong entrepreneurial drive motivated me to be one of the early founders of North Shore Wealth Management Group. I hold the title of Managing Partner of the Massapequa, NY office for our broker dealer NBC Securities.

n Series 7 FINRA General Securities Representative

n Series 65 Uniform Investment Advisor Law Examination

n Series 63 Uniform Securities Agent State Law Exam

n New York State Life/Accident & Health Insurance License

n CDFA Certified Divorce Financial Analyst

I am licensed to do business and work with clientele in 25 states – AR, AZ, CA, CO, CT, FL, GA, HI, ID, IL, KS, MA, MD, MI, MN, MO, NC, NJ, NV, NY, OR, TX, UT, VA and WA.

Edward Wells

Managing Partner

North Shore Wealth Management Group – NBC Securities

Mir Faisal was born in India.  When he was 12 years old, he and his family moved to Fairfax Virginia.  After graduating from Herndon High School, he attended the University of Tennessee, earning a Bachelor’s Degree in Business Marketing.  He has been in the financial services industry for 35 years, and established his own company, A & A Financial Solutions in 2002.  His focus is serving retirees with safe retirement planning.  Mir serves numerous clients throughout Georgia, where he resided for many years. In 2017 Mir and his wife Beth moved to Stuart, Florida.   Since that time Mir has been able to successfully help clients throughout Florida as well as Georgia.  Mir has 2 children, Aaron age 25 and Alyssa, age 20.  

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