Whatever the size of your retirement nest egg, Josh wants to help you enjoy your lifestyle in retirement. “Your retirement may last as long as 30 years,” he says. “You simply cannot afford to run the risk of ruining your lifestyle during your leisure years. We’ve helped individuals and couples at all economic levels pursue their long-term goals and enjoy retirement — and we can help you too.” One of Josh’s strengths is listening for what really matters to each client and then making recommendations that actually solve problems. Josh especially wants to help people feel confident about their financial situation. His advice for a successful retirement? “Find something you’re passionate about,” Josh says. “Do things you enjoy with the people you love. Take care of your health. Get outside. Love on your grandchildren. You can’t take any money with you when you’re gone. And you only have one retirement, so don’t spend it worried or in a negative state.” Josh loves being a father, noting that he and his wife, Beverley, have three young boys: Grayland, Luke and JT, plus a Chihuahua named Miss Honey. In his free time, Josh coaches youth football and baseball. His hobbies include running, working out, hunting and fishing. He also enjoys comedy, watching movies and eating at good restaurants.

Michael Payne is a Senior Advisor at Solutions Group Wealth Management, LLC. Solutions Group Wealth is an Independent Financial Advisory Firm in Heathrow, Florida. Michael believes that Financial Planning offers a guide for achieving your goals and acts as a roadmap to navigate from point A to Z. Independent and objective advice is the root to solving many of life's challenges. Michael has nearly three decades of experience in the financial services industry. He has a wide breadth of knowledge and provides planning advice in the areas of wealth management, estate planning, income planning, asset protection, and Insurance that help business owners as well as individuals invest wisely and plan for the future. Michael received his Bachelors of Science from The University of Central Florida in 1993. When Mike is not working, he spends his time with his newly wed wife Ksenia and teenage step-daughter. He is originally from Syosset, NY and his interests are swimming, astronomy, history and archelogy. He also loves Kayaking with his family on the many rivers of Florida.

Chris Brown is a dedicated financial planner and wealth advisor based in Franklin, TN. With a passion for helping individuals and families achieve their financial goals, he specializes in retirement planning, business exit strategies, portfolio management and risk management. Chris has been quoted in national financial publications such as Investment News on multiple occasions.   Outside of his professional life, Chris is a devoted husband and father, living in Franklin with his wife and four children. As a committed member of Gateway Franklin Church, he values his faith. For six years, he proudly served as the President of the Board for the American Cancer Society, demonstrating his leadership and commitment to giving back. Chris also served on the youth sports board for East Williamson County. He currently serves on the board for the Page High School Quarterback Club.   A hands-on dad, Chris coached his children in a variety of sports, including football, baseball, lacrosse, basketball and softball. He loves spending quality time with his family and enjoys outdoor activities such as fishing, hiking, hunting, and anything that gets him outdoors.   With a strong desire to make a positive impact in both his clients’ financial futures and his community, Chris strives to create lasting relationships and offer expert guidance to help others achieve financial independence and security. Chris is often quoted as saying, “My clients are my friends. I am committed to helping each of them.”

Securities offered through Kingswood Capital Partners LLC. Advisory services offered through Kingswood Wealth Advisors LLC. Kingswood and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction

Andrew Chymych has been serving the Phoenix metro community and surrounding areas as a financial consultant since 1999. Andrew proudly served in the U.S. Air Force after graduating high school in 1981. He entered the financial services industry in 1992. His professional background and no-pressure approach has allowed him the opportunity to work with hundreds of clients in the areas of personal money management including debt elimination and estate planning. The demand for Andrew’s expertise in financial planning has led him to conduct hundreds of workshops, as well as being a featured speaker in cities throughout the United States and world. His licenses include Life, Health, and Long-term Care. Andrew specializes in, but is not limited to: Annuities, Life Insurance, Long-term Care Insurance, Medicare, and Retirement Planning. Andrew’s passion is developing strategies for his clients to help them achieve their financial goals and, most importantly, establish total financial peace of mind. He has had the honor of working successfully with clients for many years with a particular focus on the preservation of wealth strategies. For thirty years people have been listening to Andrew’s advice on debt elimination, protecting their lifestyle, and ensuring that their money lasts. Andrew is dedicated to establishing long-term relationships with all his clients based upon trust, credibility, and confidence.

Paul Hazard and his wife Amy have been married for 17 years and have three beautiful daughters. They currently reside in Kearney, NE. Paul previously worked in law enforcement as a Nebraska state trooper for 14 years. Their children quickly became a priority which led Paul and Amy to start their own business helping others with health and finances. This gave them the flexibility to be home and raise their daughters together. Over the years, Paul developed a passion in helping others achieve their financial goals, which ultimately led him to taking a position as a Financial Consultant with DuVall Financial Group. Paul takes pride in educating and making sure others are taken care when it comes to financial and life needs.

In 1988 Gary obtained his initial brokerage licenses series 6/63, and entered the Investment Advisory Industry. In July of 2000, Gary founded Hurt & Associates Financial Services LLC. His Practice specializes in working with Pre / Post Retirees and Successful Small Business Owners, with developing Written Income Retirement Plans, Medicare Planning, Social Security and Pension Maximization, Wealth Preservation and Comprehensive Retirement Planning Strategies. Gary is an Investment Advisor Representative with Wealth Watch Advisors, an SEC Registered Investment Advisory Firm, and the Owner / CEO of Hurt & Associates Financial Services LLC. He holds a Series 65, and Life and Health Licenses. Gary is also a Certified Financial Fiduciary. With over 30 years of experience in the Financial Services industry, Gary has been able to help many hundreds of couples, individuals and business owners in working towards and achieving their financial and retirement goals. Along with his personal practice Gary enjoys his role as a Community Educator, teaching various classes on key financial planning strategies. He thoroughly enjoys helping others and always puts his clients needs first. Gary is the father of three adult children, and grandfather of 7 grandchildren. Gary makes his home in Twin Falls, Idaho and enjoys all that the great northwest has to offer.

Richard Warfield is an active owner and founding member of Warfield & Company CPAs a tax compliance and tax consulting firm founded in 2006. He graduated from Kent State in 1983 with a Bachelor’s Degree in Business Administration. Rich specializes in working with small businesses and high-net-worth individuals. In August 2023, he obtained his Series 65 license and is now actively advising clients in the financial advisory field. Rich currently operates a tax consulting and compliance business, serving over 300 clients.

Ryan is a trusted advisor who helps clients achieve financial security through careful planning and strategic decision-making. As a financial planner, he specializes in guiding individuals and families toward financial independence, with a particular focus on Social Security optimization and retirement planning. Ryan is dedicated to simplifying complex financial concepts, ensuring that clients understand their options and make well-informed choices. By providing comprehensive retirement strategies, including tax-efficient withdrawal strategies, investment management, and Social Security planning, he helps clients build a secure financial future. Ryan takes a holistic approach to financial planning, considering every aspect of clients& lives—from current financial circumstances to long-term goals. Through personalized, one-on-one consultations, he works closely with clients to develop tailored retirement plans that address their unique needs and ensure they can confidently navigate retirement with peace of mind. Passionate about empowering clients to make the most of their retirement years, Ryan has earned a reputation for providing clear, actionable guidance and exceptional service. Whether you're approaching retirement or looking to optimize your Social Security benefits, Ryan is committed to helping you make the most of your financial future. Ryan has been married to his wife Hallie since 2015. They reside in Houston, and they have been blessed with two children – Miles and Hayes. On weekends they are often found watching their children’s activities, playing Pickleball and spending time with family and friends.