Get To Know Us....

As you can see from the picture, I definitely married up! Kathy and I recently celebrated our 43rd anniversary. She is a saint.

We thought it would be a good idea for you to get to know us. It is our delight to get to know so many folks over the years in this business. Sometimes the folks we help end up being friends and still call us years after we initially helped them. That is why we love this business and consider it a privilege have assisted all of the clients who have trusted us over the years.

Our desire to serve and love people comes honestly. In our younger years we both served as vocational ministers and even pastored a church in Florida and one in New Zealand where we lived for five wonderful years. We have always endeavored to love and serve people in whatever capacity. Our lens is to see what we are doing as just that, our ministry.

During our 43 years we have had many incredible adventures, with raising 5 wonderful children topping the list. We have been blessed with 3 girls and 2 boys each married and we have 7 grandkids. They are spread out in Pennsylvania, Florida, Texas and New Zealand. Lots of travel over the years.

One of the highlights of our lives revolved around their education. All of them were homeschooled, we also started a school from which the two youngest graduated. Bob also was instrumental in starting what was among the first and grew to be the largest virtual school in the country, the Florida Virtual School serving as Board Chair for 16 years.

It is no surprise it comes naturally for both of us to focus on educating our prospective clients. We often say, “Our job is to educate to make sure you fully understand the product and your options. Your job is to decide if it is a good fit.”

Florida was our home for over 30 years, much of it in Gainesville, home of University of Florida. GO GATORS!

In 2012 Kathy was hired to help start a start up school in Highlands Ranch, Arma Dei Academy. After two years she was hired by a mortgage company, got her mortgage license and fell in love with helping seniors in retirement. Her passion for doing reverse mortgages eventually rubbed off on Bob.

Bob began his career in real estate and mortgages in 1992, becoming an award winning realtor and mortgage lender. Bob did his first reverse mortgage in 2007, but his passion was not ignited until he began to really understand the benefit from all the changes to the product in the past 5+ years.

Both Bob and Kathy became students of financial strategies for seniors to increase their retirement longevity and improve their financial situation allowing them to live a better retirement. Kathy has a great passion for helping the folks who need it most, those in dire need. Often, she has helped folks who had less than $20/month margin in their budget. Eliminating their mortgage payment (though they were still responsible for taxes, insurance and maintaining the home) radically changed their lives, and even more so if there was additional money they could use for emergencies, travel, helping kids, whatever they wanted.

Bob has become more passionate about reverse mortgages as a planning tool and financial strategy to minimize financial risk and maximize retirement finances. He loves to explain the options, strategies, graphs, stories and delights when the “light goes on.” He especially loves to hear, “I can’t believe it! This sounds too good to be true!”

Bob serves as a board member of the Rocky Mountain Chapter of the Financial Services Professionals. He regularly interacts with and conducts educational events for financial planners, realtors and those also serving seniors in other ways.

We have opened our own branch office with a national company, Top Flite Financial, now able to serve folks in many other states including where our kids and grandkids live. We still serve folks in Colorado as well.

Give us a call, we would love to hear from you!