Edward is the President & Managing Partner & founder of DEW Financial Management Group, Inc.

Edward has a Bachelor of Science degree in Mathematics from North Carolina A & T State University in Greensboro, North Carolina. Edward holds the Series 7, 9, 10, 63 & 65 registrations with IFP, in addition to Insurance Life & Annuity licenses. Edward has over a decade of experience in the financial services industry with Citi, Smith Barney, and Morgan Stanley. Before coming to the financial services industry Edward had a successful career as a software engineer.

Edward is a member of the National Association of Securities Professional, the Insured Retirement Institute, and the Financial Services Institute. He is the Past Chairman of the South Carolina State University Foundation Board, Northern Virginia Black Chamber of Commerce, and Fairfax City Chamber of Commerce and is Past President of the Association of African American Advisors.

He enjoys reading mystery and suspense books and movies, and being active with community organizations. He also enjoys golf, tennis and other team sports. He and his wife Deborah enjoy their grandchildren and they currently reside in Fairfax, Virginia.

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.

Tim Wood, Founder/Broker of SafeMoneyRetirement.com, has a passion to help educate the public about ways to protect their hard-earned retirement from market volatility and losses. He has advised successful professionals, business owners, and high net-worth individuals for over 20 years, and has always had the ability to meet with someone and make them feel comfortable. Tim's goal is to provide a safe, secure and stress-free retirement for his clients. NONE of Tim's client's have ever lost a dollar due to a market downturn because he ONLY deals in fixed products that offer complete protection from losses. This means his clients can sleep well every night, and so can he. He also offers Medicare, Group Health and Life insurance planning.

As a Certified Financial Fiduciary®, Tim ALWAYS puts his client's needs first in every situation, ensuring they have the best possible plan in place. This begins with every client by going through a thorough Fact-Finder appointment where the client's current situation is examined in detail to determine the best possible course of action to arrive at their specific desired outcome. Then the clients are thoroughly educated about the products and companies that fit their specific situation before proceeding.

Tim is also a chapter president with American Financial Education Alliance (AFEA) where he teaches financial education to the public. You can register for one of his classes at 

Tim is originally from Orlando, FL. After attending Valencia College in Orlando, he worked for the Walt Disney Company at the Magic Kingdom as an audio technician for shows and events for 6 years. When Tim left Disney he worked for the Cox Radio Group in Orlando for several years before founding CyberStorm Technologies, Inc. Tim moved his family to the mountains of Tennessee in 2007 and continued to be very successful in his radio and consulting careers, founding The Plan Advisor in 2017 in order to offer ALL of the Safe-Money Retirement products available in the market to his clients as an independent advisor. Being fully independent, he works solely in the best interests of his clients, not the insurance companies.

Tim and his beautiful wife Melissa live in Johnson City, TN and have been married for over 25 years. They have one daughter currently attending college.

As the weekly host of Safe Money Retirement Radio (www.SafeMoneyRetirementRadio.com) on-air show and podcast, Tim focuses on providing retirement strategies and solutions that explore ways to protect retirement money, increase income, and protect against potential market losses and economic volatility. He also brings into focus potential health circumstances, taxes, and those unforeseen situations that can be devastating to principal assets in retirement.

Tim enjoys fishing, hiking and golf and is an avid college football and basketball fan. Tim and his wife enjoy traveling together and "get away" as often as possible.

"As an independent broker/advisor and a Certified Financial Fiduciary®, I am able to provide for my family and make decisions in the best interests of my clients, not some insurance company. From the initial fact finder appointment to finding the best option to transferring funds, I keep things transparent and pressure-free." - Tim

Tim Wood, Founder/Broker of SafeMoneyRetirement.com, has a passion to help educate the public about ways to protect their hard-earned retirement from market volatility and losses. He has advised successful professionals, business owners, and high net-worth individuals for over 20 years, and has always had the ability to meet with someone and make them feel comfortable. Tim's goal is to provide a safe, secure and stress-free retirement for his clients. NONE of Tim's client's have ever lost a dollar due to a market downturn because he ONLY deals in fixed products that offer complete protection from losses. This means his clients can sleep well every night, and so can he. He also offers Medicare, Group Health and Life insurance planning.

As a Certified Financial Fiduciary®, Tim ALWAYS puts his client's needs first in every situation, ensuring they have the best possible plan in place. This begins with every client by going through a thorough Fact-Finder appointment where the client's current situation is examined in detail to determine the best possible course of action to arrive at their specific desired outcome. Then the clients are thoroughly educated about the products and companies that fit their specific situation before proceeding.

Tim is also a chapter president with American Financial Education Alliance (AFEA) where he teaches financial education to the public. You can register for one of his classes at 

Tim is originally from Orlando, FL. After attending Valencia College in Orlando, he worked for the Walt Disney Company at the Magic Kingdom as an audio technician for shows and events for 6 years. When Tim left Disney he worked for the Cox Radio Group in Orlando for several years before founding CyberStorm Technologies, Inc. Tim moved his family to the mountains of Tennessee in 2007 and continued to be very successful in his radio and consulting careers, founding The Plan Advisor in 2017 in order to offer ALL of the Safe-Money Retirement products available in the market to his clients as an independent advisor. Being fully independent, he works solely in the best interests of his clients, not the insurance companies.

Tim and his beautiful wife Melissa live in Johnson City, TN and have been married for over 25 years. They have one daughter currently attending college.

As the weekly host of Safe Money Retirement Radio (www.SafeMoneyRetirementRadio.com) on-air show and podcast, Tim focuses on providing retirement strategies and solutions that explore ways to protect retirement money, increase income, and protect against potential market losses and economic volatility. He also brings into focus potential health circumstances, taxes, and those unforeseen situations that can be devastating to principal assets in retirement.

Tim enjoys fishing, hiking and golf and is an avid college football and basketball fan. Tim and his wife enjoy traveling together and "get away" as often as possible.

"As an independent broker/advisor and a Certified Financial Fiduciary®, I am able to provide for my family and make decisions in the best interests of my clients, not some insurance company. From the initial fact finder appointment to finding the best option to transferring funds, I keep things transparent and pressure-free." - Tim

Tim Wood, Founder/Broker of SafeMoneyRetirement.com, has a passion to help educate the public about ways to protect their hard-earned retirement from market volatility and losses. He has advised successful professionals, business owners, and high net-worth individuals for over 20 years, and has always had the ability to meet with someone and make them feel comfortable. Tim's goal is to provide a safe, secure and stress-free retirement for his clients. NONE of Tim's client's have ever lost a dollar due to a market downturn because he ONLY deals in fixed products that offer complete protection from losses. This means his clients can sleep well every night, and so can he. He also offers Medicare, Group Health and Life insurance planning.

As a Certified Financial Fiduciary®, Tim ALWAYS puts his client's needs first in every situation, ensuring they have the best possible plan in place. This begins with every client by going through a thorough Fact-Finder appointment where the client's current situation is examined in detail to determine the best possible course of action to arrive at their specific desired outcome. Then the clients are thoroughly educated about the products and companies that fit their specific situation before proceeding.

Tim is also a chapter president with American Financial Education Alliance (AFEA) where he teaches financial education to the public. You can register for one of his classes at 

Tim is originally from Orlando, FL. After attending Valencia College in Orlando, he worked for the Walt Disney Company at the Magic Kingdom as an audio technician for shows and events for 6 years. When Tim left Disney he worked for the Cox Radio Group in Orlando for several years before founding CyberStorm Technologies, Inc. Tim moved his family to the mountains of Tennessee in 2007 and continued to be very successful in his radio and consulting careers, founding The Plan Advisor in 2017 in order to offer ALL of the Safe-Money Retirement products available in the market to his clients as an independent advisor. Being fully independent, he works solely in the best interests of his clients, not the insurance companies.

Tim and his beautiful wife Melissa live in Johnson City, TN and have been married for over 25 years. They have one daughter currently attending college.

As the weekly host of Safe Money Retirement Radio (www.SafeMoneyRetirementRadio.com) on-air show and podcast, Tim focuses on providing retirement strategies and solutions that explore ways to protect retirement money, increase income, and protect against potential market losses and economic volatility. He also brings into focus potential health circumstances, taxes, and those unforeseen situations that can be devastating to principal assets in retirement.

Tim enjoys fishing, hiking and golf and is an avid college football and basketball fan. Tim and his wife enjoy traveling together and "get away" as often as possible.

"As an independent broker/advisor and a Certified Financial Fiduciary®, I am able to provide for my family and make decisions in the best interests of my clients, not some insurance company. From the initial fact finder appointment to finding the best option to transferring funds, I keep things transparent and pressure-free." - Tim

Dave was initially educated with a focus on concert piano and trombone at DePaul University.  His advanced degree was attained in Economics from Elmhurst University.

His career began in the technology field where he worked his way up to CIO of a $2.5 billion electronics firm.  During this time technology took a twist and began focusing on the internet presence and year 2000 issues ahead.  Dave became a partner in a technology consulting firm that was eventually sold to a public company.  Receiving public equity in the company Dave became interested in the markets.

Shortly, thereafter, Dave began his advisory career.  Dave’s firm experience includes AG Edwards (now Wells Fargo Advisors), Chase Investment Services, US Bancorp, Wells Fargo Advisors, and now Lincoln Financial.

During his tenure at Chase Investment Services Dave achieved his supervisory license (series 24) and began managing northern Illinois.  Only one thing was missing from this opportunity, and that was working with people and helping to plan for their financial success.

Dave moved back into the advisory/planner role where he could affect people’s lives and help them achieve their goals.  This vast experience allows Dave to draw from his experience as a business owner, securities supervision and compliance, and experience with multiple platforms to bring a heartfelt and sincere approach to doing his best work for each client.

My team and I help individuals make the transition from their work life to their retirement life.  As you get closer to retirement, you will have to make some of the most important financial decisions of your life. Most of these do not get a do-over.
 
Our goal is to help you get the most out of your retirement assets. This includes finding reliable sources of income, long term care benefits, and determining how much of your assets should be in the stock market.  There is a lot to do to make sure you have a happy and healthy retirement.

It all starts with having a plan. 

We will help you discover how much income you will need.

We will help you identify the risks you will face during retirement so you can plan for them.

Brian earned a bachelor’s degree from John Carroll University in 1989 after graduating from Holy Name High School.  He spent 10 years with a multi-million dollar sales organization as a regional manager before pursuing his current career in the financial world.  Brian began his career as a retirement planner with First National Equity in 1999.  He incorporated in 2000 and opened North Coast Financial Consultants in October 2006.

     Brian is happily married to his wife, Linda of 27 years, and resides in Richfield with their three children.  He enjoyed coaching and attending his children’s basketball, baseball, and volleyball events and also served as Athletic Director and Pastoral Designee at Assumption Academy.  His oldest son works with Brian part- time while pursuing his college degree.  Brian’s daughter will be a senior in the Business School at Ohio University and his youngest son will be a senior at Walsh Jesuit High School.

     Brian works closely with Financial Independence Group, who provides him with comprehensive product illustrations and current, up-to-date information on the many investment options he offers.  He treats every client with respect and integrity and provides them with an independent financial analysis.

Ben Kunes | Retirement & Income Planning Advisor

As host of the Retirement & Income Radio Show and President of Safe Money Retirement Group LLC, Ben enjoys assisting his clients of all walks of life, with securing their financial future as they prepare for, and enter retirement. 

Calling on his over 32 years as a licensed professional, Ben specializes in strategies that assist his clients in achieving safety, security, growth without stock market risk and lifetime income.

Ben and his wife of 27 years, Fanny, reside in St. Louis, Missouri.  Ben and Fanny are blessed with four children, eight beautiful grandchildren, and two dogs.  In their free time they enjoy St. Louis Cardinals baseball, St. Louis Blues hockey, and vacationing in Florida.

Ben looks forward to meeting with you to share ideas about protecting your retirement money and securing a guaranteed retirement income.