Ken has spent over 30 years in the financial services business. My passion is working with retirees that have spent their lives working hard and sacrificing to save for their retirement! Now that they are there, do not know how to handle their retirement funds! My business, Common Sense Retirement Solutions (CSRS), focuses on funds available, along with social security planning to future cast their goals and objectives in the most holistic manner. 

Additionally, being a Federal Retirement Consultant (FRC) as a well as a FFEBA representative, work with federal employees from all areas helping them navigate through their benefits from their federal pension plan to TSP to FEGLI to social security timing. 

Rick Dennis started Conservative Retirement Solutions, LLC in 2004, after he saw the negative impact the “Dot-Com” stock market crash of 2000-2002 had on the retirement savings plans of his fellow Baby Boomers. His goal in starting the company was to offer a safer financial alternative to people who were saving for their retirement, and this remains his main priority today.

Conservative Retirement Solutions, LLC is located in Houston, Texas, and caters exclusively to clients who want "safe, secure and guaranteed" retirements. Our clients a) don't want to risk losing any of their retirement money by placing it in the stock market, and b) don’t want to risk the possibility of “outliving their money.”

We help our clients achieve these results of “no stock market losses” and “guaranteed lifetime income” by only using “safe money” financial products that are “contractually guaranteed” to never lose money during market declines and are issued by “legal reserve” life insurance companies.

Below is a partial list of guaranteed retirement solutions available for our clients:

• Retirement account growth without the risk of loss

• Contractually guaranteed lifetime income

• Tax-free money for Long Term Care expenses

Irma Hampton is a Dynamic Financial Professional. She has an extensive background in financial planning, wealth management, alternative investments, strategic planning, market analysis, and client relations.

With over 30 years of experience across financial services, Irma is currently a hybrid Registered Investment Advisor (RIA), working with Wealthcare Capital Management LLC (WCM) and their goals-driven financial planning software with LPL Financial as her broker-dealer. As a Financial Advisor, she is responsible for working with client's accountants and attorneys,  providing exemplary service in all of the areas that need attention, including retirement planning and legacy planning. She also enjoys working with people who are financial delegators. She holds the designations as CRPC, ADPA, and proudly, a Certified Financial Fiduciary, where she is committed to always do what is in the client’s best interest. In addition, Irma is also Series 7 licensed (and 63,65) as well as licensed to offer life insurance , disability, and long term care insurance.

Along with her professional career, Irma serves as a Yoga Teacher for The Seven Spiritual Laws of Yoga by Deepak Chopra.

Outcome-Focused: So often the process is the planning focus when what really matters is the outcome. We don’t just help folks find the best investments, we help them become better investors.

Financial Road Map ® for Living Life on Purpose: All successful planning is Goal-Focused and Plan-Driven while failed planning is Market-Focused and Current Events-Driven.

Client Value Promise: CARE Program “Client Achieving Retirement Excellence” Pledges to…

·        Align your financial choices with your most important goals and most deeply held values.

·        Get your entire financial house in perfect order and keep it that way forever.

·        Have a 10 level of confidence that no matter what happens in the markets, the economy, or the world you will achieve your goals.

Since 1997 Ken has been providing high-quality financial planning services because he is invested in helping others achieve their goals and really enjoys sharing his passion and experience to help people strategize how to make their dreams a reality.

Ken helps simplify complex material so clients understand the concepts and strategies being utilized.

Out of the office, Ken enjoys practicing hot yoga, gardening, traveling the world, and a wide range of recreational activities. He also finds time to build furniture. Ken and his wife Desiree and their daughter Margot live in University Place, Washington with their two American Cocker Spaniels Bruno and Bosley.

Ken Behm is a representative registered with and offer only securities and advisory services through PlanMember Securities Corporation, a registered broker/dealer, investment advisor and member FINRA/SIPC. PlanMember is not responsible or liable for ancillary products or services offered by this representative.

The Picture You’re Painting:  It’s about what YOU want

Seek first to understand, then to be understood is a great quote from author Stephen Covey.  However, many in the financial world have it backwards.  Too often advisors seek first to be understood (sell their product).  This “sale” becomes the focus and the goal.  As a result, they often fail to take the time to understand who you are, your retirement goals, dreams and concerns about current or future economic conditions.  As a result, then may not allow you the time to “Paint Your Picture”.  Some seem to forget that retirement is one of the biggest transitional times in your life and therefore the development of a solid plan should not be rushed into.  It should take time to develop over several meetings.

Bryan Rich has been serving clients for over 30 years.  He strives to teach a balanced approach to retirement while highlighting both the positives and negatives of options available.  He began his financial services career in 1992 upo graduating with honors with a Business Finance degree  from Liberty University.  After working for over a decade for a national financial planning company he decided to pursue his own career.  As part of that decision, in 2005, he assisted experienced insurance and investment professionals from Roanoke, VA. and established Secure Financial Group, Inc. Later opening an office in Cary, NC. Since its founding Mr. Rich became the face of Secure Financial after speaking to thousands of “50 and Uppers” throughout Virginia and North Carolina in presentations and educational workshops.  Now, as President of SFG since 2008, he has continued to develop strategic relationships with attorneys, CPA’s and other experienced professionals in order to provide a holistic approach to financial and estate planning.  These NETWORK Partners share in SFG’s desire to fully inform and educate each and every prospective client.

Bryan is proudly an independent advisor when it comes to meeting the insurance and lifetime income needs of his clients.  In 2007 Bryan passed his Series 65 Exam and is currently an Investment Advisor Representative for Brookstone Capital Management www.brookstonecm.com.  When dealing with the risk portion of your portfolio, along with BCM Bryan provides fiduciary advice.  This helps promote a balanced approach to retirement…it is not one-size fits all.  Risk options provide more upside potential, while protected options offer peace of mind. Your best interest is always the primary objective...matching your goals with the math.  

PEOPLE FIRST, MONEY SECOND is not just a motto; it is the way SFG chooses to do business by taking the time to get to know you and the “Picture You’re Painting” for this stage of life before we ever start talking about the “products”.  The “products” are important, but they are simply the tools.  How do we know what tools to use until we know what you want to build?

Let’s dream a little first.  Then, once your goals for retirement are understood we help you implement the ABC PLANNING PROCESS.  This process is designed for the Conservative & Moderate Investor who doesn’t want to simply leave retirement to “I HOPE IT WORKS” -- or “IT SHOULD WORK” – well, as long as the stock market does what I want it to do.  Risk investments certainly have their place and are a major part of the ABC PLANNING PROCESS.  But, first we must ensure our Liquidity and Income needs, then chase risk for greater return potential.  So, the key question is not, “What kind of returns might I get?”  Nor is the question, “Can I afford to retire now?”  No, the key question should be:  “Am I in a position to retire and most importantly…STAY RETIRED?”  All with a level of risk that if the market has a major decline you can step back and say, “I’m still okay”. 

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor.  BCM and Secure Financial Group are independent of each other.   Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents

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.

Hi I am Darryl. As your financial well-being strategist, My goal is to remove the complexity of financial planning by provide coaching and mentorship, accountability, and a “let’s get it done” mindset which I gained through years of self-less service as military, government civilian and private industry servant helping the “good guys” find the “bad guys”

My true passion however has always been in helping others pursue financial, personal, and professional success. This passion is fueled by the recognition that any success I have achieved in life has been through the support and mentorship of family, friends, and close associates. Although I am “just a common, hardworking ordinary guy” who like most has experienced life’s “ups” and “downs,” I attribute the successes I have had to the advice and guidance of those who have poured into me financially, personally, and professionally. It is this level of commitment I will pour into to you.

I have been in the financial services business for 10+ years, working primarily with families and business owners. I use a unique approach that helps people find money they’re currently transferring away unknowingly and unnecessarily. 

Below are a few of the areas I enjoy coaching and advising individuals and small businesses with by offering creative and customizable 360-degree solutions tailored to fit their needs:

·        Retirement planning

·        Wealth Management

·        College planning

·        Accounting/Bookkeeping

·        Tax planning and consultation

·        Income tax resolution with IRS and State

·        Personal/Business insurance consultation and product selection

By developing a relationship with you and gaining a clear understanding of your financial objective, I help alleviate your concerns and help you make decisions that may ensure a profitable future for you, your business, and your family.

Here are but a few of the questions I can assist you in answering as a member of your advisory team:

·        What is the best entity structure for my business from an income tax liability perspective?

·        How can I consistently manage my business and personal taxable income as conditions change over time?

·        How much precisely is my business worth?

·        How does my business valuation affect my personal financial status?

·        Can I offer employee benefits? Should I offer employee benefits?

·        What is the best benefits strategy for my business to help attract and retain quality employees?

·        How do I safeguard my business in the event of disrupted operations or the loss of a key/valued employee?

·        What is my business succession plan–what’s the most effective strategy for either selling my business or handing it over to a family member?

·        What does retirement look like and how do I plan to save for retirement?

·        How can I reorganize my financial strategy to achieve specific financial goals, such as retirement, my children’s college planning, etc.?

Don’t wait until tax season to make my team and I a part of your coaching network or advisory team. Now is a great time to set up an appointment for us to assist you with your complimentary year-end income tax, insurance, retirement planning and/or wealth building strategy review. 

Other/Fun Facts:

·        I am a Certified Financial Fiduciary and hold 6/63, health, life, and P&C licenses

·        I am a veteran (retired) of the United State Air Force (USAF)

·        I am a John Maxwell Certified Coach, Teacher and Speaker, offering workshops, seminars, keynote speaking, and financial/personal coaching

·        I am a Washington DC service core of retired executives (SCORE) mentor

·        I am a Dallas Cowboys fan | Its been a long time, but I still would love to see another championship

·        I have beautiful 5 children (4 daughters/1 son) and 4 grandchildren (2 granddaughters/2 grandsons)

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.

Brian is the author of 'the Ultimate Retirement Planning Guide: Retire Like You're on Apollo 13.' (Available on Amazon) This book guides you through the actions that are needed for a successful retirement mission. Using the Apollo 13 mission as an illustrative device to understand Retirement Planning, Social Security, Taxes, Investments, Financial Advisors, and how a Certified Financial Fiduciary can help you plan a successful retirement mission. With over 27 years of experience in the financial industry, he carries a certificate in financial planning from Boston University and is a registered social security analyst. 

Brian has previously worked with institutions such as AIG, Edward Jones, BrokersXpress, ISC Group, SCF Investment Advisors, and Crown Capital Securities, LP. Brian is currently the Managing Principal and Chief Compliance Officer of Toro Investment Advisors, LLC, a Registered Investment Advisor firm. He was privileged to ring the closing bell at the NASDAQ in 2013. Additionally, Brian has been the recipient of many financial industry awards. Brian earned the professional designation of Registered Social Security Analyst (RSSA) and Certified Financial Fiduciary (CF2). Brian has also been involved in philanthropy and civic activities with the Hale Center Emergency Medical Services (EMS) and in prison ministry. Brian fundraised and successfully applied for grants on behalf of the Hale Center EMS, raising more than $210,000. He sat on its board of directors and received recognition for his efforts. He was a finalist for the 'Invest in Others' community service award for his work with Hale Center EMS.