David Afraimi began his financial services career in 1999 as an insurance account executive in Northern California. His ability and desire for growth quickly moved him into a sales management position, providing him with the skills and knowledge he would need to expand the company and move into a new market.

After five years of consistent success, David moved his efforts and expanded the company to Denver, Colorado in 2005 where he is currently the principal of BAM Advisory Group.

David is a highly energetic financial professional with 22 years of industry experience. He is passionate about providing sound advice to clients and appreciates the opportunity and unique challenge of working with and forming long-lasting relationships with a variety of people. David’s expertise includes retirement income planning, Social Security maximization, estate planning and tax mitigation.

David is able to build portfolios with objectivity, having no proprietary business obligations for himself and BAM Advisory Group. Being an independent advisor allows him to strictly focus on the needs of the individual. David’s licensing and certifications include the Series 66, Life & Health, Long-Term Care, Registered Investment Advisor, Registered Financial Consultant®, Certified Tax Specialist™, Certified Financial Fiduciary® and National Social Security Advisor®.

Outside of helping family, friends, and community members plan for the future, Davis also enjoys all the beauty and adventure Colorado has to offer with his wife, Kristy, and sons, Jordan and Ty. When away from the office, David enjoys traveling and visiting his family in Reno, NV, as well as mountain biking, snowboarding, yoga, and working out. The Afraimi family also love their 2 French bulldogs, Manny and Dre.

Tim Fallon is a dedicated Financial Educator and Owner of Fallon & Associates, LLC in Madison, WI.  With a life-long focus on civic service, Tim prides himself on educating his students on the basic concepts of financial management.  His goal is to ensure that individuals understand the opportunities and potential rewards that are available when taking a proactive approach to personal finances.

Before forming Fallon & Associates, LLC, Tim Fallon was a proud member of the law enforcement community. Tim graduated with a degree in Criminal Justice from the University of Wisconsin-Platteville in 1990. During school, he joined the Army and served as a Military Policeman for five years.  After graduating, Tim worked as a civilian Police Officer for ten years.

Upon retiring from law enforcement, Tim received his Life, Accident, and Health license and became a financial planner.  In 2002, Tim formed Fallon and Associates, LLC.  The company now offers a full-service financial planning firm to include: retirement planning, asset protection, estate planning, and Medicare supplements.

About Gary Hurt

Gary Hurt, Investment Advisor Representative

Certified Financial Fiduciary

Wealth Watch Advisors

Gary Hurt 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.

With over 19 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.

Gary is based in Twin Falls, Idaho, and serves his clients across the state and nation in the areas of Investment and Insurance Solutions, Retirement and Tax Planning, Wealth Preservation and Protection Strategies, and  401K / IRA Implementation/ Rollovers and Administration.

Planning for your financial success is complicated in

today's world. A broad knowledge of everything from

complex investment products to elaborate tax law is

required. As the scope of financial services grows, so

does the need for professionals to provide these

services. That's why we approach your financial

planning needs with a team of specialists. It's the key

to our success, and yours. We look at your whole

financial picture from a cross disciplinary perspective.

This allows us to find coordination gaps or

opportunities with your overall financial plan.

Certified Financial Fiduciary® (CFF) upholding the

highest moral, ethical and fiduciary standards of

service

Twenty-six years combined experience: Financial

planning and advising, consulting, and fiscal

management

FINRA Series 7 & 66 Registrations

Life, Health, Disability, & Long-Term Care Licenses

Member of Community of Christ Church

Volunteer for numerous charitable organizations

Eagle Scout: Boy Scouts of America, Heart of

America Council

2018 & 2019 Five Star Wealth Manager Award

Recipient*

S P E C I A L I Z A T I O N S

FAMILY PROTECTION

WEALTH ACCUMULATION

BUSINESS RETIREMENT PLANS

INDIVIDUAL RETIREMENT PLANS

BUSINESS CONTINUATION

M O R E A B O U T B R E N T

Brent and his wife, Michele, have been married for

27 years. They have a son, Cole, and a daughter,

Rian, with whom they support and participate in

numerous sports and music activities together. The

Caswell family lives in Independence, MO.

Planning for your financial success is complicated in

today's world. A broad knowledge of everything from

complex investment products to elaborate tax law is

required. As the scope of financial services grows, so

does the need for professionals to provide these

services. That's why we approach your financial

planning needs with a team of specialists. It's the key

to our success, and yours. We look at your whole

financial picture from a cross disciplinary perspective.

This allows us to find coordination gaps or

opportunities with your overall financial plan.

Certified Financial Fiduciary® (CFF) upholding the

highest moral, ethical and fiduciary standards of

service

Twenty-six years combined experience: Financial

planning and advising, consulting, and fiscal

management

FINRA Series 7 & 66 Registrations

Life, Health, Disability, & Long-Term Care Licenses

Member of Community of Christ Church

Volunteer for numerous charitable organizations

Eagle Scout: Boy Scouts of America, Heart of

America Council

2018 & 2019 Five Star Wealth Manager Award

Recipient*

S P E C I A L I Z A T I O N S

FAMILY PROTECTION

WEALTH ACCUMULATION

BUSINESS RETIREMENT PLANS

INDIVIDUAL RETIREMENT PLANS

BUSINESS CONTINUATION

M O R E A B O U T B R E N T

Brent and his wife, Michele, have been married for

27 years. They have a son, Cole, and a daughter,

Rian, with whom they support and participate in

numerous sports and music activities together. The

Caswell family lives in Independence, MO.

Michele Lenderman has over 25 years of financial experience and specializes as an Independent Retirement Income Specialist. Michele’s personalized approach focuses on taking the time to get to know her clients and creating long-term relationships. Through a comprehensive step-by-step process, she demonstrates to her clients how they can obtain a lifetime, guaranteed income stream in retirement – which they can never outlive – all while protecting their principal.

As a Certified Financial Fiduciary and Registered Member of the National Ethics Association, Michele dedicates herself to providing the highest standard of service by always putting her client’s best interest first. By providing unbiased information and easy-to-understand explanations, her clients become excited and confident in taking a more active role in their retirement planning and decision-making process. “Take control and stay in control of your future wealth and protect your loved ones that may survive you".

As an “Independent” Financial Professional, Michele does not work exclusively with one company rather utilizes resources from multiple top-rated companies to provide the best solutions for her client’s specific needs. She provides independent guidance and recommends optional products which contribute to overall more independent solutions to her clients.

-        Retirement Income Planning

-        Federal Employee Benefits

-        Asset Protection

-        Estate/Legacy Planning

-        Charitable Gifting

-        Long-Term Care Planning

-        Maximizing Taxes in Retirement

Michele (personally and financially) supports Children's Mercy Hospital in Kansas City, Missouri where she helped develop and continues to support the “Same Day Bear Program” where children are told they may take a “Friend” into surgery with them. Michele enjoys gardening, cooking, traveling, and spending time with her family & friends. She is a proud mother of two daughters. Her eldest is a Business Owner residing in Australia and her youngest is a Consumer Loan Processor in Kansas City.

Mitchell Rubin is CERTIFIED FINANCIAL PLANNER™ professional and ACCREDITED ESTATE PLANNER™, founder of ProWealthOne, an independent financial planning firm, with offices in New York, Houston and Palm Beach.

Mitchell has been an industry leader since 1997. He is quoted and consulted often by nationally -recognized media outlets such as Business Week, Smart and Best Life. He has written numerous published articles, had guest appearances on top financial radio programs, and taught Retirement Planning and Employee Benefits at Florida Gulf Coast University.

Mitchell’s quality time away from his practice is spent with his family here in Katy where he resides, as well as his two grown sons. He is an active member of the Katy Area Chamber of Commerce and the Katy Area Economic Development Council. Leisure time is consumed by his love of sailing, skiing, running and playing tennis.

As the host of the Safe Money Radio Show, author of numerous published articles, host of several financial education workshops and a nationwide presenter of Safe Money Concepts, Eric has enjoyed helping people all across the nation protect their retirement money.   

”Over the years, I have helped people of all ages protect millions of dollars in retirement assets and not one of those people has ever lost a penny from market downturns.  There is something truly wonderful about being able to help people have peace of mind about their financial future.”

Eric is a Certified Financial Fiduciary ®, the only designation that focuses solely on training financial professionals to be true fiduciaries. The CFF® designation ensures that fiduciaries adhere to and uphold the highest moral, ethical and fiduciary guidelines and practices for investments that are determined by state regulators.  Eric has stayed on the forefront of all education and standards for financial advisors.  That has propelled Eric to the top of the list in his area for retirement income planning. 

A multi-state licensed financial professional with over 30 years of experience, Eric specializes in planning for and protecting your retirement.  He is a featured author and contributor to FOX Business, annuity.com and several others.

Eric is a native Floridian. He and his wife Laura of nearly 20 years, are family oriented and are the proud uncle and aunt to 15 nieces and nephews. They enjoy activities such as fishing, boating, hiking, biking and reading.  Eric’s an avid fisherman and participates in regional fishing tournaments and events whenever possible.

Eric M. Hutter

Cell phone: 561-762-7560

Eric@ospreyretirement.com

www.OspreyrRetirement.com

Quote: “Leadership is not power, it is a responsibility”

As the youngest member of the firm, my efforts are focused on helping shape the vision for the future of our firm.  My day to day responsibilities include; building and maintaining our Tactical Portfolio’s, reviewing client accounts to make sure they are in line with each client’s specific set of goals. I am also head of research and development at our firm focused towards implementing new technologies to help improve efficiency and our clients’ experience. 

My greatest passion is helping others become the best possible version of themselves.  I have spent a large portion of my life coaching athletes and I bring that same enthusiasm and strategic guidance to support our firm’s advisor team as well as my clients through personal and professional journeys.  

In my personal life, family is most important to me. I recently married the love of my life, Marina, and we are excited about starting a family. We are expecting our first child in June 2019. I am a sports fanatic and have been characterized as a voracious reader (I read on average, around 30 books a year)

Scott Dickinson, CFF, is a proud 4^th generation Insurance Agency Owner and President of his family’s Insurance Agency, Republic Underwriters, Inc. Troy, Michigan, The Agency was founded in 1930. Scott is a Licensed Insurance Counselor, has a Certified Financial Fiduciary Designation, and is licensed in Property & Casualty, and Life and Health. Scott also is the Vice President of The Professional Law Enforcement Association Foundation, a 501 c(3) non-profit located in Troy, Michigan, the Foundation was founded in 2014.

Scott resides in St. Clair Shores, Michigan, and is the proud parent of Ryan and Andrew. When he is not in the office, Scott enjoys golf and sports.