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!
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.
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
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 understoodis 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 29 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 prior to graduating with honors just 2 ½ years after high school from Liberty University with a Bachelors degree in Business: Finance. 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 the Roanoke Valley in establishing Secure Financial Group, Inc. of Roanoke, VA. Since its founding Mr. Rich became the face of Secure Financial after speaking to hundreds of “50 and Uppers” throughout the Roanoke area 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…it is a balanced approach.
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 and advisor my goal is to remove the complexity of financial planning by providing coaching, 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, close associates, industry professionals.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.
Other/Fun Facts:
·I am a Certified Financial Fiduciary holding 6/63, health, life, and P&C licenses
·I have over 13 years’ experience in personal financial services industry – includes insurance, financial planning and income tax preparation and planning
·I am a veteran (retired) of the United State Air Force (USAF)
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.
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