With a myriad of changes occurring in our industry, a core attribute is adaptability. This is one of the key strengths of P.R.A.I.S. and of its' Principle Owner, Dana Gibson.

P.R.A.I.S is one of the premier Independent Retirement Planning Organizations/General Agencies in the nation. Dana has adapted to the changing needs of clients by enhancing services with full-service consulting based on a holistic, all facets approach to retirement planning & income. With his guidance and commitment to the industry, he’s driven innovation and best-in-class service on multiple fronts for nearly 1,000 clients across the United States. Dana's thought leadership is sought by many, and he frequently serves as a keynote speaker for insurance organizations, regulatory bodies and news media.

Dana is also a founding member of The Masters Institute as well as chapter president of the Society For Financial Awareness (SOFA).

With a myriad of changes occurring in our industry, a core attribute is adaptability. This is one of the key strengths of P.R.A.I.S. and of its' Principle Owner, Dana Gibson.

P.R.A.I.S is one of the premier Independent Retirement Planning Organizations/General Agencies in the nation. Dana has adapted to the changing needs of clients by enhancing services with full-service consulting based on a holistic, all facets approach to retirement planning & income. With his guidance and commitment to the industry, he’s driven innovation and best-in-class service on multiple fronts for nearly 1,000 clients across the United States. Dana's thought leadership is sought by many, and he frequently serves as a keynote speaker for insurance organizations, regulatory bodies and news media.

Dana is also a founding member of The Masters Institute as well as chapter president of the Society For Financial Awareness (SOFA).

With a myriad of changes occurring in our industry, a core attribute is adaptability. This is one of the key strengths of P.R.A.I.S. and of its' Principle Owner, Dana Gibson.

P.R.A.I.S is one of the premier Independent Retirement Planning Organizations/General Agencies in the nation. Dana has adapted to the changing needs of clients by enhancing services with full-service consulting based on a holistic, all facets approach to retirement planning & income. With his guidance and commitment to the industry, he’s driven innovation and best-in-class service on multiple fronts for nearly 1,000 clients across the United States. Dana's thought leadership is sought by many, and he frequently serves as a keynote speaker for insurance organizations, regulatory bodies and news media.

Dana is also a founding member of The Masters Institute as well as chapter president of the Society For Financial Awareness (SOFA).

With a myriad of changes occurring in our industry, a core attribute is adaptability. This is one of the key strengths of P.R.A.I.S. and of its' Principle Owner, Dana Gibson.

P.R.A.I.S is one of the premier Independent Retirement Planning Organizations/General Agencies in the nation. Dana has adapted to the changing needs of clients by enhancing services with full-service consulting based on a holistic, all facets approach to retirement planning & income. With his guidance and commitment to the industry, he’s driven innovation and best-in-class service on multiple fronts for nearly 1,000 clients across the United States. Dana's thought leadership is sought by many, and he frequently serves as a keynote speaker for insurance organizations, regulatory bodies and news media.

Dana is also a founding member of The Masters Institute as well as chapter president of the Society For Financial Awareness (SOFA).

As owner and Wealth Advisor, Darel Crosby has over 28 years of experience in the financial services industry- as a representative, manager, trainer, presenter, and business owner. Darel is a Registered Financial Consultant (RFC(R)) and Certified Financial Fiduciary(R) and is motivated to provide his clients with a wide array of financial vehicles and strategies to achieve their financial goals. He enjoys a deep connection with his clients and has now worked with the second generation of many of his original clientele. Unlike advisors who are beholden to the products and interests of institutional firms, he is free to invest in alignment with what he feels fits best for his individual clients. He is an independent advisor at an independent broker-dealer, NEXT Financial, and Atria Company. It is his firm conviction that having an accurate understanding of a client's financial picture and goals is imperative before giving advice and implementing action. 

Darel holds his series 6,63,65, and 7 Securities Licenses. Additionally, he maintains his Life Insurance License in Utah and other states. He has a Bachelor of Science degree in Business from the Marriot School of Management at Brigham Young University. 

Darel was raised in the White Mountains os Arizona and his family was deeply involved in agriculture and ranching. He married his college sweetheart, Shannon, and together they have 5 children and 6 grandchildren. In his time away from work, Darel spends time with his family, following his favorite sports teams, and serving his community. 

Tony Engrassia founded Wealth Management Strategies, Inc. to provide independent, fee-based financial planning and wealth management to his clients. Tony and his family moved to the Rocky Mount, NC area in 1991, and his deep roots in the community and strong commitment to its people help him offer tax-efficient strategies for preserving and growing family wealth that has a very personal, customized touch for his clients. Tony is also the creator of the Strategic Freedom Process™, a process that helps his clients develop strategies, so they can enjoy greater personal and financial opportunities during retirement.

One of Tony’s primary goals as a Financial Planner is to help his clients manage risks. Many of his clients are at or near retirement, and Tony uses a holistic approach to help them understand the three major risks they’ll face in retirement—market risk, interest rate risk and sequence of return risk. These pieces in hand, together they can map out a retirement plan designed to meet their goals and help ensures they’ll have income distribution for life.

After nearly thirty years of serving clients in the Rocky Mount area, Tony has recently expanded to the Morehead City, NC area as well, and his commitment remains the same—he works with his clients to help ensure they will have income to meet their needs throughout their retirement. He has also gained respect and recognition through his thought leadership as an author of the book Promises Kept and as a financial columnist with the Rocky Mount Telegram. He also gives back to his community through his affiliation with The American Financial Educational Alliance (AFEA), a non-profit financial wellness program, where Tony provides workshops to educate and empower Americans in their financial lives.

Tony attended the University of South Florida where he received a Bachelor’s of Science degree in Psychology and a minor Business Administration. In furthering his professional career, he earned a Chartered Financial Consultant^® (ChFC^®) designation and is a Life Underwriter Training Council Fellow^® (LUTCF^®). Most recently, Tony became a Certified Financial Fiduciary^® (CFF) and also achieved his NSSA Advisor Certificate, this has made Tony qualified to help retirees select the best time to access Social Security Benefits . In addition, Tony has his Series 65 securities license. He also has his life and health insurance licenses. In addition, Tony has been recognized by his peers and been named to the Million Dollar Roundtable for his achievements as an advisor.

Tony has made the Rocky Mount area his home for nearly thirty years. He enjoys outdoors activities including golfing, hunting, fishing, and training hunting dogs. And he loves spending as much time as possible with his wife and three kids. Tony is a practicing catholic and is a 4^th degree knight with the Knights of Columbus.

Brian cofounded Walsh & Nicholson Financial

Group in 1991 and has over 30 years of experience

advising individuals and businesses in the

areas of Wealth Management, Estate Planning,

Retirement Planning, and Insurance Services.

In addition to holding FINRA Series 7, 6, 63,

24, and 65 securities licenses and insurance

licenses for Life, Health, Disability Income and

Fixed Annuities, Brian is also a Chartered Life

Underwriter (CLU), Chartered Financial Consultant

(ChFC), and Registered Financial Consultant

(RFC).

Brian is deeply engaged in both professional

and charitable organizations. He is a Top of the

Table member of the Million Dollar Round Table

(MDRT), the premier membership organization

for financial services professionals, and he serves

as a trustee on the MDRT Foundation Board. In

2005, Brian addressed more than 9,000 people

at the MDRT Annual Meeting, sharing his experiences

dealing with a devastating personal tragedy

and moving on with a zest for life and passion

for giving back to his community.

Brian chairs the Service and Technology Committee

for Ameritas Investment Corp, and previously

served as chairman of the Field Advisory

Cabinet of Union Central Life. He is a past president

of NAIFA Greater Philadelphia and was inducted

into its Hall of Fame in 2006. He also received

NAIFA/GP’s prestigious President’s Cup.

Two areas of service are particularly important

to Brian: finding a cure for juvenile diabetes

and supporting firefighters. He was President of

the Eastern Pennsylvania Chapter of the Juvenile

Diabetes Research Foundation and currently

serves as the Nominating Committee chair. He is

also a life member of Levittown (PA) Fire Company

#2 and a trustee for the Lower Merion Fireman’s

Relief Association.

Brian resides in Haverford, Pennsylvania, with

his wife, Mary Ann. They have three children:

Brian, Matthew, and Kathryn.

Julie Manning consults and advises clients on key risk factors they may face in retirement, helping them build a plan to get from point A to point B with certainty. As she answers questions and provides guidance to clients, she keeps her focus on addressing their personal needs and goals, always making decisions that are best for the client.

After more than 23 years in the financial services industry, Julie started Keystone Financial Planning with one focus: create a more personalized approach for clients. “I believe that the old model of lots of fees with little service doesn’t align with what should be happening in financial planning,” she said. “I wanted to discover new and improved ways to serve clients.”

 Julie’s approach is to deliver a client experience that is never rushed or intimidating and often educational. She has received Circle of Excellence recognition by Women in Financial Services (WIFS), a national organization that supports women in financial services. Julie partners with Woman’s Worth®, a unique program that helps women understand the relationship between health and wealth. She earned her Retirement Income Certified Professional® (RICP®) designation to provide even more value to her clients and is a Certified Financial Fiduciary (CFF)®.

 Julie and her husband, Greg, have four children, one grandson and 14 chickens. She fills up her free time with a variety of activities, including gardening, painting, working out, and playing with her grandson.

Ralph Gale has been helping people with their financial and protection needs since 1987. Ralph

began his career with Combined Insurance he soon realized that his clients didn’t fit into a

“cookie cutter” approach. Ralph moved to Prudential Insurance and began the investment side

of his practice. Following the recession of the 90’s his position was eliminated and he was

offered a Comptroller's position for a business in Florida overseeing the finance and insurance

division

Ralph migrated back to West Michigan and began building a team dedicated to providing

accurate investment and protection advice to seniors. While building a successful team was

gratifying his desire to stay hands on with his clients drove him to step down from that position

and formed “FIREProof Wealth Management LLC”. Insisting on the highest level of integrity and

accuracy, isn’t the Gold Standard, It’s the ONLY Standard!

Ralph’s approach is simple. Everybody’s situation is unique so a “cookie cutter” approach is an

insult to his clients. Your situation is yours and only you understand it and can communicate it

properly so it is up to us to help you tell us your perfect retirement then hope for the best and

plan for the rest.

Your investments are only a way to pay for your plan they are not your plan. We strive to make

your investments and protection fit perfectly into your puzzle.

Ralph spent time in discussions with many of the major brokerage firms and decided like he had

many years before that being independent would be the only way to insure his clients that the

advice they would be receiving wasn’t corporate policy or somebody in an office somewhere.

Ralph is local his advice is based on local conditions.

Ralph and Kay have been married for 22 years have two beautiful daughters ( just ask him).

Ralph and Kay attend Ada Bible where he has lead a Men’s small group study for 6 years.

Ralph knows that it’s either true or it’s false there is no gray. Therefore the answers you get to

your questions and concerns will always be true.