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!
Kristin Kalley, CPA, CFF Nelson Financial Planning 423 Country Club Drive, Winter Park, FL 32789 407-629-6477
Kristin Kalley is a Financial Planner and a Tax Accountant with Nelson Financial Planning, Inc. (NFP) and a FINRA Registered Representative with Nelson Ivest Brokerage Services, Inc. (NIBS).
Kristin holds a Series 7 Securities License with FINRA as a General Securities Representative and a Certified Public Accountant (CPA) license with the Florida Board of Accountancy. Kristin is a member of the American Institute of Certified Public Accountants (AICPA) and Florida Institute of CPAs (FICPA).
Prior to joining NFP, Kristin worked as a public accountant at RSM US LLP. Kristin primarily prepared tax returns for pass-through entities and high net worth individuals, with a focus on the real estate industry.
Kristin earned her Master's in Accounting, concentration in Taxation, from the University of Florida. Kristin graduated Magna Cum Laude from the University of Central Florida earning a Bachelor of Science in Accounting and Finance with a minor in Political Science.
With a myriad of changes occurring in our industry, a core attribute is adaptability. This is one of the key strengths of P.R.A.I.S. and of its' Principle Owner, Dana Gibson.
P.R.A.I.S is one of the premier Independent Retirement Planning Organizations/General Agencies in the nation. Dana has adapted to the changing needs of clients by enhancing services with full-service consulting based on a holistic, all facets approach to retirement planning & income. With his guidance and commitment to the industry, he’s driven innovation and best-in-class service on multiple fronts for nearly 1,000 clients across the United States. Dana's thought leadership is sought by many, and he frequently serves as a keynote speaker for insurance organizations, regulatory bodies and news media.
Dana is also a founding member of The Masters Institute as well as chapter president of the Society For Financial Awareness (SOFA).
Joe is a Certified Financial Fiduciary® with over 10 years in the insurance and financial services industry. He holds a BA from The Ohio State University in Communications and is a Bank On Yourself Authorized Advisor.In 2015 he started his own firm, Intelliplan Financial. His practice is dedicated to foundational retirement planning and teaches clients new strategies outside of the traditional retirement income planning box that stabilize and protect their financial futures. Joe strives to help manage any market volatility with the strategies provided so clients can feel confident and reach their retirement income goals.
Joe has helped his clients grow and preserve their wealth by helping them take control and reach their retirement income goals without taking unnecessary risks.
Joe is one of only 200 life insurance agents in the country who have successfully completed the rigorous training and continuing education requirements to become a Bank On Yourself Authorized Advisor. He was also inducted into the National Academy of Best-Selling Authors, as a co-author with Bank On Yourself CEO, Pamela Yellen, of the number-one Amazon best-seller, The Secret to Lifetime Financial Security.
Joe lives in the Columbus, Ohio area with his wife and two children, and has been practicing the principles of foundational planning since 2004.
My goal in starting my own firm has always been to help clients achieve their life goals. I understand all too well that your precious capital is an important component to achieving your goals in life. I started my firm because it allows me to focus solely on taking care of clients. There are no other agenda items based on the firm I work for. I work for my clients. You can learn more about me at www.romeroinvestment.com
Kevin brings over 13 years of experience as a licensed and trusted advisor to his clients. Kevin has a very robust understanding of the financial markets, and the vehicles to help achieve a vision while overcoming the obstacle in the way. His process driven belief is how he establishes long-term relationships to help his clients see their true vision. His areas of expertise include retirement planning, distribution planning, estate planning, and tax efficiency planning. He strongly believes that the distribution phase and the years leading up to it take a particular focus and expertise to accomplish the vision set out. He is very passionate about the families and businesses he serves and goals they rely on him to accomplish. Kevin has two boys Hudson and Harrison that are age 6 and 4, and enjoys spending his time with them.
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.
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