Jon Heischman, RHU, LUTCF, CSA, CLTC, CFF 

Jon has over thirty-five years of experience as a financial professional specializing in retirement planning. He is a partner in Heischman Financial Services along with this son, Jon Jr. Together they work with clients to protect and grow their assets offering advice, strategies and all areas of investments as independent advisors. 

Jon holds a Bachelors Degree from Franklin University as well as the following designations. Registered Health Underwriter (RHU), Life Underwriter Training Council Fellow (LUTCF), Certified Senior Advisor (CSA) and Certified in Long Term Care (CLTC). He is a member of the Better Business Bureau, National Association of Insurance and Financial Advisors, and Financial Service Professionals. For the past seven years, he has been the host of a radio show that airs every Sunday morning on a local radio station in Columbus, Ohio. 

In addition to many hobbies and activities, Jon and his wife, Bonnie value family time with their son, daughter and two granddaughters. 

In 1983 he began his business and insurance career in Miami, Florida.

Michael is responsible for the CHA Trust for Workers’ Compensation, the CHA unemployment program, CHA Career Services and business relations for member hospitals and health systems. He also serves as the president of CHA Financial Advisors, an insurance agency and broker dealer that provides insurance products and financial services to members.

36 year member of National Association of Insurance and Financial Advisors (NAIFA)

Qualifying and Lifetime Member of the Million Dollar Round Table (MDRT)

Chartered Mutual Fund Counselor (CMFC)

Life Underwriter Training Council Fellow (LUTCF)

Al Procaccino is a Certified Financial Fiduciary®, Certified Financial Planner™, Certified Fund Specialist®, Five Star Wealth Manager and also a former 5 Star rated Morningstar Institutional Money Manager. Al has been active in the financial services industry since 1980, helping both individuals and corporations throughout the USA to plan, invest and manage their wealth. He is also a long-standing member of the National Society of Accountants and National Ethics Association. Mr. Procaccino is the President and Chief Compliance Officer of Castle Financial, a Registered Investment Advisory Firm filed with the SEC and he also holds FINRA licenses 5,7,63,65 and 24 (General Securities Principal).

Mr. Procaccino has conducted financial, retirement and estate planning seminars for the employees of Procter & Gamble, IBM, TRW, IFF, General Dynamics, Siemens Private Communications and many other large and small companies. His work for the NJ State Chamber of Commerce earned him an honorable mention in Who’s Who. He also served as a consultant on a Merv Griffin television production documenting the stock brokerage process on the New York Stock Exchange. In addition, Al guides family firms and small business owners with legacy planning on how to pass their family values along with other non-financial assets, as well as their money and other assets, to future family generations.

Prior to Castle Financial, Mr. Procaccino directed the Retirement Group at Cowen and Company as a Partner of the global firm. He was also Vice President and Branch Manager at Dean Witter Reynolds at 5 World Trade Center in New York City and was a Senior Vice President and the Retirement Group Strategist at Oppenheimer & Company. Al holds a Bachelor of Science degree in Business Administration with a concentration in Finance, an MBA degree in Finance, and is a graduate of the College for Financial Planning. His ongoing education includes business, financial, tax and estate planning courses at a number of accredited universities and institutions. Al enjoys meeting and helping people throughout the USA from Castle’s offices in NYC, Fair Haven, NJ and Naples, Florida and feel free to visit us at www.castlefinancial.com

We are a “fee only” financial advisory firm acting in our valued clients best interests at all times.

On a personal note: Al is happily married and has been blessed with two wonderful daughters. He loves his pets and enjoys music, reading, swimming, biking, cooking, college sports, golf, model railroading, chess, supports many charities and served on the Board of Room in Our Hearts, a nonprofit organization dedicated to helping families whose homes have been affected by crisis.

Al Procaccino is a Certified Financial Fiduciary®, Certified Financial Planner™, Certified Fund Specialist®, Five Star Wealth Manager and also a former 5 Star rated Morningstar Institutional Money Manager. Al has been active in the financial services industry since 1980, helping both individuals and corporations throughout the USA to plan, invest and manage their wealth. He is also a long-standing member of the National Society of Accountants and National Ethics Association. Mr. Procaccino is the President and Chief Compliance Officer of Castle Financial, a Registered Investment Advisory Firm filed with the SEC and he also holds FINRA licenses 5,7,63,65 and 24 (General Securities Principal).

Mr. Procaccino has conducted financial, retirement and estate planning seminars for the employees of Procter & Gamble, IBM, TRW, IFF, General Dynamics, Siemens Private Communications and many other large and small companies. His work for the NJ State Chamber of Commerce earned him an honorable mention in Who’s Who. He also served as a consultant on a Merv Griffin television production documenting the stock brokerage process on the New York Stock Exchange. In addition, Al guides family firms and small business owners with legacy planning on how to pass their family values along with other non-financial assets, as well as their money and other assets, to future family generations.

Prior to Castle Financial, Mr. Procaccino directed the Retirement Group at Cowen and Company as a Partner of the global firm. He was also Vice President and Branch Manager at Dean Witter Reynolds at 5 World Trade Center in New York City and was a Senior Vice President and the Retirement Group Strategist at Oppenheimer & Company. Al holds a Bachelor of Science degree in Business Administration with a concentration in Finance, an MBA degree in Finance, and is a graduate of the College for Financial Planning. His ongoing education includes business, financial, tax and estate planning courses at a number of accredited universities and institutions. Al enjoys meeting and helping people throughout the USA from Castle’s offices in NYC, Fair Haven, NJ and Naples, Florida and feel free to visit us at www.castlefinancial.com

We are a “fee only” financial advisory firm acting in our valued clients best interests at all times.

On a personal note: Al is happily married and has been blessed with two wonderful daughters. He loves his pets and enjoys music, reading, swimming, biking, cooking, college sports, golf, model railroading, chess, supports many charities and served on the Board of Room in Our Hearts, a nonprofit organization dedicated to helping families whose homes have been affected by crisis.

Al Procaccino is a Certified Financial Fiduciary®, Certified Financial Planner™, Certified Fund Specialist®, Five Star Wealth Manager and also a former 5 Star rated Morningstar Institutional Money Manager. Al has been active in the financial services industry since 1980, helping both individuals and corporations throughout the USA to plan, invest and manage their wealth. He is also a long-standing member of the National Society of Accountants and National Ethics Association. Mr. Procaccino is the President and Chief Compliance Officer of Castle Financial, a Registered Investment Advisory Firm filed with the SEC and he also holds FINRA licenses 5,7,63,65 and 24 (General Securities Principal).

Mr. Procaccino has conducted financial, retirement and estate planning seminars for the employees of Procter & Gamble, IBM, TRW, IFF, General Dynamics, Siemens Private Communications and many other large and small companies. His work for the NJ State Chamber of Commerce earned him an honorable mention in Who’s Who. He also served as a consultant on a Merv Griffin television production documenting the stock brokerage process on the New York Stock Exchange. In addition, Al guides family firms and small business owners with legacy planning on how to pass their family values along with other non-financial assets, as well as their money and other assets, to future family generations.

Prior to Castle Financial, Mr. Procaccino directed the Retirement Group at Cowen and Company as a Partner of the global firm. He was also Vice President and Branch Manager at Dean Witter Reynolds at 5 World Trade Center in New York City and was a Senior Vice President and the Retirement Group Strategist at Oppenheimer & Company. Al holds a Bachelor of Science degree in Business Administration with a concentration in Finance, an MBA degree in Finance, and is a graduate of the College for Financial Planning. His ongoing education includes business, financial, tax and estate planning courses at a number of accredited universities and institutions. Al enjoys meeting and helping people throughout the USA from Castle’s offices in NYC, Fair Haven, NJ and Naples, Florida and feel free to visit us at www.castlefinancial.com

We are a “fee only” financial advisory firm acting in our valued clients best interests at all times.

On a personal note: Al is happily married and has been blessed with two wonderful daughters. He loves his pets and enjoys music, reading, swimming, biking, cooking, college sports, golf, model railroading, chess, supports many charities and served on the Board of Room in Our Hearts, a nonprofit organization dedicated to helping families whose homes have been affected by crisis.

ABOUT: Don Murphy and DFM Financial

Don Murphy started his career in financial service over 30 years ago in Washington D.C.  He is the owner of Capital Asset Structuring (CAS) a successful Florida-based company founded in 1998 and DFM Financial a Florida registered life insurance and annuity business owned and operated under Capital Asset Structuring.   

Don has a wide levelof financial experience ranging from advanced life insurance and estate planning to traditional broker assignments in securities, private investments, precious metals and financial arbitrage.   He has also held various mortgage broker positions, served as a charitable advisor for two Tennessee-based foundations, designed and delivered advanced training programs for numerous financial advisors and has taught the rigorous Florida insurance agent training and licensing course.

Don has been a national conference presenter on various financial subjects including gifting strategies, trusts and retirement funding.  He has also delivered hundreds of retirement planning and financial workshops and client seminars in various locations throughout the United States including New York, Minnesota, Alabama, Tennessee, Maryland, Virginia, Colorado, Georgia and Florida.  

Don is a Certified Financial Fiduciary (CFF) and a member of the National Ethics Association and the National Association of Insurance and Financial Advisors.  Don is a resident of St. Augustine, Florida, where he resides with his wife Vicki who, until recently, coordinated the International Baccalaureate Program at Pedro Menendez High School in St John’s County, Florida. 

Bill Fjeran, CFF (Certified Financial Fiduciary) has 50 years’ experience in the Financial Services arena. He has been a consultant to several insurance companies and has trained hundreds of salespeople in Tax Qualified Plans and Employee Benefits. He has lectured widely on Tax Sheltered Annuities (403b) at colleges, universities, hospitals, and various teacher organizations though-out the southeast.

Bill has concentrated his practice on the effects of taxation – before and after retirement, legislative risk, Social Security and Medicare Tax Traps and solutions for those current and future problems.

Living in Greenville, SC for over 28 years Bill and his wife Dana of 38 years, enjoy spending time hiking, biking, and jogging in and near the Blue Ridge Mountains.

"IF THERE’S SEVERAL WORDS THAT DESCRIBES SELF-MADE BUSINESS MAVEN VICKI GUNVALSON – IT’S ENERGY, COMMITMENT, INTEGRITY."

Vicki Gunvalson started her career in the Insurance and Financial Services industry in the suburbs of Chicago Illinois in 1991 and quickly became the top agent within the first year of her career. With pure sheer determination and passion for business, she was able to build Coto Insurance & Financial Services, Inc., to one of the most successful Insurance Agencies in the United States.

Vicki learned the importance of insurance after her father was diagnosed with Alzheimer’s disease at a young age of 59 without having any Long Term Care Insurance in force. After seeing the financial toll this took on the family, she decided to focus on helping others in planning for the unplanned.

Vicki surrounds herself with positive, high energy individuals that she loves and trusts and treats all her clients like she treated her father – with passion, devotion and commitment.

With the type of retirement planning Vicki does, she is able to show her clients how to obtain a lifetime guaranteed income stream in retirement which they can never outlive, all while their principle is protected.

Vicki holds various professional designations including:

• Member of the Million Dollar Round Table

• The American Association of Long Term Care Insurance

• A+ Rating from the Better Business Bureau

• Orange County’s 5 Star Wealth Manager and the National Ethics Bureau.

John T. (Jack) Peregrim

Jack has over 4 decades of extensive and successful business experience. Some of his accomplishments were: managing large business operations within global corporations; founding and managing his own international business consulting organization; being on a number of boards and having executive appointments as officers in a number of large associations; and many executive and director level positions within companies and corporations.

In the past few years Jack has been struck with the inefficient personal retirement planning options and resources that many individuals have the potential to employ. He has dedicated himself to supporting individuals in their retirement planning as he has with his past corporate clients. To do that he has extensive training in Social Security, Medicare, and retirement income/resource planning. He is committing to the education and planning for others to ensure they understand the many options they might consider at all stages of their life but particularly as they approach retirement where many decisions need to be made and each with complex considerations. His commitment is to ensure that his clients make the best individual decisions for themselves and their families and that starts with their education about options that fit their specific situations. Then developing an optimal strategy customized to each person or couple.  His role can best be described as a retirement transition coach, advisor, and advocate.

Michael D. Hodgson is a lifelong Central Ohio resident and Investment Professional specializing in retirement distribution planning. He has guided individuals and business owners from all walks of life not only to plan successfully for retirement, but to strategically implement that plan. From educators to business owners, from engineers to doctors, Michael has helped individuals reach their goals and aspirations for their financial future.

Michael Hodgson is the President of Safe Harbor Investments, Inc. and owner of Coastline Capital Management.  He implements the The Bucket Plan® System to create a unique retirement distribution plan for people who are close to or in retirement.  Through this Independent Income System, Michael's clients are able to turn off the daily noise of Wall Street and focus on what's most important to them.  

He is married with three children and enjoys golfing, reading, and volunteering.