Finding a financial professional you can trust is key to achieving a successful retirement.
Certified Financial Fiduciaries® (CFF) are sworn to uphold the highest moral, ethical and fiduciary standards of service when providing advice to potential or existing clients. By choosing to work with a Certified Financial Fiduciary® you can be confident that your best interests will always come first!
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
Larry Lowder started his professional career in Washington, D.C. with the U.S. Department of Treasury’s U.S Savings Bond Division where he helped develop agency annual objectives and provided guidance in the implementation of those objectives. Later, he became the division's Mid-Atlantic Regional Director where he and his staff of twenty-five agents promoted the sale of U.S Savings Bonds in six states. This savings program was, and still is, offered to the public primarily through employer payroll savings plans and banking institutions. The Treasury uses this program to help raise a portion of the money needed to finance annual federal budget deficits (created by tax shortfalls) and the ever-growing national debt. These two U.S Treasury assignments provided Larry with two invaluable insights:
* Establishing a personal savings/retirement plan to which regular and systematic contributions are made is the first step in acheiving financial security and that protecting those savings and their accumulated earnings from market losses is vitally important.
* As history points out, continuous annual federal budget deficits will eventually result in higher tax rates. Once this occurs, cash flow, wealth accumulation, and life style may be diminished for a long period of time. So it is important to develop a plan to reduce the impact of potentially higher tax rates.
After leaving the U.S Treasury Department, Larry became a financial advisor working with two major financial service firms. One was in the insurance industry and the other in the securities industry, Cigna and Merrill Lynch. There, combined with his Treasury experiance, he expanded his knowledge and expertise in developing and implementing personal investment, tax, retirement, and legacy plans.
In 1995 Larry founded Lowder Financial Group, offering comprehensive financial planning services to business owners, professionals, executives, and retirees. As an independent advisor and as a Certified Financial Fiduciary®, Larry is committed to always putting a client's interest first, to making their goals the foundations of their financial/retirement plan, and to providing them the education and knowledge needed to make sound , informed decisions.
Larry has a BBA degree from Wake Forest University and a MBA from the Wharton Executive MBA Program.
He is a member of The National Association of Certified Financial Fiduciaries and the National Social Sercurity Advisors.
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 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.
For over 30 years Ray has provided Financial Planning Services to Executives, Business Owners, Educators, Seniors, and Pre-retirees. Ray has been educating in the financial services industry and providing value to clients as a Financial Advisor; helping them plan for their short-term needs and long-term goals. He is a well-organized individual, able to keep multiple priorities in mind while aiming for the best outcomes for his clients. With his expertise and strong attention to detail, he can recognize small financial inaccuracies, and the most common financial mistakes people often make. He communicates clearly and strategically with his clients about possible changes to their accounts. He is dedicated to the financial wellbeing of his clients listening to their interests and concerns. Through his active listening and analytical skills, he can customize services to suit the needs of clients. Ray takes special care to ensure that he understands the needs of every single client and is always there for his clients. His desire to work closely with his clients led him to become a CFF a prestigious designation that can immediately and clearly demonstrate their expert knowledge.CFF designees are bound by a code of conduct which holds them to the highest standards of professionalism in the financial services industry by putting their client’s best interest first. Today, he has a large clientele who seek his advice regularly regarding: Retirement, Savings, Investments, Tax-Free Retirement, Income Distribution, and Insurance. He is also a skilled tax advisor and keeps abreast of all changes with state and federal tax regulations; working hard to make sure his clients are confident about their choices and are able to make the most for their money.
Jim obtained his Series 7 brokerage license in 1983, and has since continued to guide clients to their Financial goals. Focusing on maximizing retirement income within the risk tolerance of each client requires a clear understanding of income options, portfolio construction, and carefully monitoring of fees and expenses. The attention to detail is the difference between having “a guy” and knowing your finances are secure.
Jim joined Commonwealth Financial Group, LLC. In 2017 for the total independence from brokerage firms/banks requirements to focus on their goals, as well as my clients. This allowed him to focus on why he first found Finance appealing ..…”To work directly with clients to help them generate a better return, reduce taxes on their investments, and ensure known risks are manage or minimized where possible”. Additionally, Jim holds the Series 63 & 65 licenses, his NYS Insurance license and has both an Accounting and Business degrees. These, and extensive professional contacts, enable him to quickly find the best answers to each client’s unique situations.
Jim and his wife Lin make their home in Victor, NY where they enjoy time with friends, boating, golfing, and a wide variety of outdoor activities, usually accompanied by their son, Tyler.
Securities Offered Through Cadaret, Grant & Co., Inc. * Member FINRA/SIPC
CadaretGrant and Commonwealth Financial Group, LLC are separate entities.
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