About My Practice

Victoria Taylor is a retired federal employee and owner of Premier Financial Group, a financial services firm in Southwest Florida. She retired from the Federal Government (with the National Security Agency and the U.S. Postal Service) and has been providing her clients trusted counsel and valuable financial solutions since 1992.

With her extensive expertise in retirement planning for the federal employee, Victoria can construct plans that meet the specific needs and objectives of these clients. She brings her unparalleled and distinct perspective of unique circumstances facing federal employees and annuitants.

Victoria and her staff provide lifetime income-planning solutions, long-term care options, and specifically devised life insurance legacy plans that will insure "peace of mind" and "I can sleep at night" assurance to those who seek her services.

Victoria is an active member of her community and past President of her local NARFE Chapter (National Active and Retired Federal Employees).

Federal employees should consult with a retirement specialist while still employed to insure they make the best selections while planning for their retirement. We provide complimentary financial analysis to federal employees and offer valuable federal retirement workshops to help employees make smart choices about their retirement benefits.

Offering Advice Since 1992

Areas of Specialty

·       CSRS & FERS Annuity Review
• CSRS & FERS Survivors Benefit Annuities and Options
• Disability and Long Term Care options
• FEHB for Federal Employees and Retirees
• FEGLI -- Options, Cost & Supplements
• Lifetime Income Benefit Strategies
• Personal Federal Employee Benefits Evaluations
• Retirement Options & Eligibility
• TSP:  Rollovers and In-Service Withdrawals

Licenses, Certifications and Affiliations

Insurance Licenses: Life including variable annuity and health
Security Licenses: Series 65
Designations:  Certified Financial Fiduciary, RFC, CSA, ChFEBC

Charges to Clients for Services

No fees to Federal Employees
Fee (initial, hourly, and/or retainer)
Fee based on percentage of assets managed
Commissions on insurance products purchased
Trail fees on mutual funds or insurance policies

My Association with the Office or Firm:  Owner

Charles J. Czajka III, CFF®,CEP®, RFC®,CSSCS® is a  Certified Financial Fiduciary ® Certified Estate Planner ® , a Registered Financial Consultant ®, and Certified Social Security Claiming Strategist, ® with over 35 years of experience.

During the past several years, Chuck has been conducting educational workshops and study groups for professionals, small business owners, various retirees and groups of active employees seeking information to help preserve and protect their savings and designing retirement income plans for retires to maximize their retirement income.

Chuck is the author of the book YOUR RETIREMENT CHECKLIST!

Chuck is also trained in a macroeconomic approach to making money decisions that are designed to help clients reach their maximum financial potential.  He is a national platform speaker and the recipient of numerous professional awards.  Chuck and his wife Tami are the owners of Macro Money Concepts located in Stuart Florida.

For the past four decades, they have been helping people and small businesses reduce taxes, increase income potential, provide maximum benefits to improve overall wealth through safe money strategies.

Daniel Stewart is Regional Vice President and an accomplished Financial Consultant at Stewart Wealth Advisors. Daniel has extensive knowledge in retirement planning, portfolio and asset management, and insurance. His prior experience working as a Financial Advisor for hundreds of clients at a bank and credit union has made him an expert in the holistic approach to financial advising. Daniel believes that the client must always be put first.

Daniel received his undergraduate education at Christopher Newport University in Newport News, VA. Daniel lives in Southwest Florida and he enjoys the benefits of being so close to some of the most beautiful beaches in the world. When not working, Daniel enjoys biking, tennis, and a good barbeque.

With over three decades of business experience and financial services knowledge, Len has guided numerous seniors as they navigate through the many options for retirement. He presents strategies for principal protection and income accumulation without market risk. As a result, not one of Len’s clients has lost money in a market downturn. His motto “Safety First in Retirement”!

Len firmly believes in treating clients as family: always with the upmost honesty and integrity.

Len is the co-author of “The Power of Leadership; Being the Leader Producing Results.”  He has collaborated with Mr Tom Hegna who host the PBS Special “Don’t Worry, Retire Happy” and “Pay Checks and Play Checks”. Also, Len is an author of over 20 published articles and has made several radio and TV appearances on personal empowerment and financial freedom. Len continues to be an approved member of the National Ethics Association, National Social Security Association, National Association of Professional Agents, Better Business Bureau and National Association of Financial Fiduciaries.

Len has been the host of, “Safe Money Radio” airing in Tampa, Sarasota, Ft. Myers, Naples, and West Palm Beach, Florid and now host a TV show called “Safety in Retirement TV on ABC and CBS in West Palm Beach Fl. His program is educational and discusses how to get out of the Wall Street Casino and away from the roller coaster that is the stock market. As an alternative, Len explains how fixed indexed annuities can provide security - never losing principal and participating in some of the upside through indexes offered by large, safe insurance companies.

Len was recently honored with an esteemed invitation to become an “Invited Author” and contributing author in Think Advisor.

Len has authored two recent articles: one on reducing risk in uncertain markets (Click HERE) and another about the advantage of annuities in bear markets (Click HERE) to read his articles and learn more. Hear Len discuss protecting retirement assets with the right investment strategy HERE.

Tami Czajka, CFF, is a financial advisor with Macro Money Concepts.  She has been in the financial services industry for over 25 years.  She started as an assistant Underwriter with an insurance brokerage agency.  She then moved over to the independent agency with her husband, Charles (Chuck)  who has been in the industry for over 40 years.  Together she and her husband (Chuck) own and operate Macro Money Concepts located in Stuart Florida.

Our passion is helping people and small businesses reduce taxes, increase income potential and provide maximum benefits to improve their overall wealth through safe money strategies.

Cary J. Cowan Sr. began his career in the insurance industry in 1970. After establishing his own firm in 1979, he expanded his practice to include financial and retirement planning, investments, and business planning.

Cary feels that a true financial professional listens to clients and prospects and understands what is really being said. "You have to be empathetic to your client's needs and not your own pocketbook." His philosophy believes in forming long term relationships and not just clientele.

Cary developed the Lifetime Financial Strategies ProgramSM. This is a six step process which he believes assists clients in realizing their lifetime vision. Cary utilizes this process with all of his clients, ensuring that both he and his clients understand the goals and visions that his clients want to achieve.  He authored  The Lifetime Financial Strategies, a 21st Century Financial Planning Process. It is a book based on the philosophy of relationships first, taking you through a case study of a couple needing help.

Cary is a member of the Financial Services Institute, the Financial Planning Association, the Society of Financial Service Professionals, the American Society of CLU and ChFC, PACE, and the National Association of Life Underwriters. He is also a qualifying, life, and Top of the Table member of the Million Dollar Round Table.

Matt Sherman provides Foundation Capital and Retirement Solutions primarily for a select

group of individuals who among other things are looking to elevate the performance of their

retirement assets and also aspire to a secure a lasting lifestyle through Safe Money Planning and

Solutions.

He has developed and refined this system over the last 25 years. He encourages his clients

to take advantage of a Free Retirement Analysis and also a Free Social Security Timing Report.

Both are available at no obligation.

Matt is the founder of the independent firms, Insurance My Way and Transition Into

Retirement and is committed to the independent style of business as it allows us to provide his

clients access to the very best products, ideas, resources and strategies.

Born and raised in West Palm Beach, Florida, Matt has always had a passion for helping

people and shares with his clients at all economic levels innovating ways to retire safely and with

peace of mind.

His passion is teaching classes on various subjects that benefit Seniors and speaking at

different organizations throughout South Florida.

Matt is an avid outdoorsman and enjoys boating, fishing, camping and golf. He lives in West

Palm Beach, Florida with his wife, Carol. They have two grown children and recently celebrated the

birth of their first grandchild.

Since 1988 Jorge has been providing his clients guidance and valuable financial solutions. He is the Founder and President of Link Financial Group, Inc. in South Florida. He is an active member of the National Ethics Association and has earned his qualification as a Certified Financial Fiduciary, CFF.

He offers an extensive menu of services to meet the needs of clients in varying stages of life. He provides a high level of expertise in retirement safe-money options for pre-retired and retired individuals. He works closely with all clients to help them understand all of the resources available, potentially avoid paying unnecessary taxes, help increase lifetime retirement income, and avoid simple mistakes that could cost their beneficiaries thousands of dollars. 

He also offers assistance with small business 401(k) planning, life insurance, long term care, college savings programs, retirement planning strategies, and overall wealth preservation strategies. Jorge resides in MIami, Fl with his wife and two children. He is also involved with charities such as St. Jude Children's Research Hospital and The Ronald McDonald House.

My name is Michael Niedbala. I am married to my wonderful wife, Anna, and have three great and successful children, Brandon, Kaley and Sara. I have lived and worked in the Tampa Bay Area since 1993. I have had extensive experience in the financial industry for all of my 37 year career. From Public Accounting, to being a Chief Financial Officer, and now, for the last 22 years a Certified Financial Fiduciary®, Certified Retirement Planner®, Certified Annuity Specialist®, Certified Senior Advisor® and Independent Financial Advisor.

I really enjoy being an independent Advisor because it provides me with the opportunity to always do what’s in the best interest of you, the client, through offering conflict-free advice. I pride myself on my ability to listen to clients’ needs and goals and develop a plan that gets them where they want to go. I feel a sense of accomplishment when I know that my clients sleep well at night because we’ve set them on the right course.

My company is Insurety Retirement & Insurance Planning. Our main philosophy is SAFE MONEY & INCOME.  It is one of conservatism, innovation, and safety for our clients. We, as a company, never, do something just to make money. We educate and help folks like yourself, to make informed decisions about your financial health and only offer advice or implement programs that benefit you and improve your position.

We always try to do the right thing, so that means that if you come to us and say we really want to do so and so, and after looking at the overall plan and seeing that it really doesn't fit, we’ll tell you we really don't think it fits. This philosophy has served me well the past 24+ years I've been in this business.

Brent M Weisenborn CFF is the founding partner, President, and CEO of Fiduciary Trust Private Wealth Counsel.

Brent has been in the investment management business for over 37 years and is a Certified Financial Fiduciary. His practice focuses on high net worth clients and Trust.

He managed $2 Billion in Trust Assets for nine years. In that capacity, he served as Chief Investment Officer, member of the Trust and Investment Policy Committee as well as Head of the Trust Department.

Brent served as Vice President of NASDAQ Group in New York and London as well as President and CEO of its subsidiary Agora-X LLC.

In 1987 Brent founded and was CEO of Security Investment Company of Kansas City, an institutional and high net worth Broker-Dealer and NASDAQ Market Maker.

In 1998 he was elected to the NASDR (now called FINRA) District NO. 4 Committee and served as Chairman from 1999-to 2000. He also was elected to the National Small Firm Advisory Board.

In response to the 2009 financial crisis, Brent was asked to testify before the US Congress and help draft legislation to promulgate new rules designed to bring more transparency to the markets.

Brent Weisenborn received a BBA in Finance and Economics from the Hankamer School of Business at Baylor University.

After Baylor Brent was with the Kansas City Chiefs.

Brent is an FAA multi-engine, instrument-rated Commercial Pilot.

Industry Positions

• Testified before US Congress for FINREG Bill
• Lobbied for Dodd-Frank, US Senate - co-wrote derivatives section
• Recommended to the President by US Senators Bond and Roberts for CFTC Commissioner

Past Memberships:

• Board Member - Bankers & Investors.
• Member - Chicago Board of Trade.
• Member - Kansas City Board of Trade.
• Board of Directors of The Kansas City Board of Trade from 1996 to 1998.
• Director of the Kansas City Securities Association.
• President of the Kansas City Traders Association.
• Member - Securities Industry Association’s Trading Committee.