Kelly Fristoe, LUTCF
Kelly Fristoe began his insurance career in March of 1990. Over the course of that time Kelly’s primary focus has been in the health insurance benefits markets; helping individuals and employers make smart financial decisions in the purchase of their health insurance plans, dental and vision as well other health insurance related products and services. He is able to assist with enrollment in Affordable Care Act compliant health plans as well as assist with healthcare.gov enrollment where consumers may be eligible to qualify for premium tax credit assistance. Kelly is licensed to write all lines of Life Insurance as well as Disability Insurance, Long Term Care Insurance, Medicare Supplement Insurance, fixed and variable annuities, IRA’s, 401(k) and 403(b) retirement plans.
As an advisor, Kelly earned his LUTCF designation as well as obtaining his FINRA Series 6 and 63 registrations in 1999. He has been a member of the National Association of Health Underwriters (NAHU) since 1993. He has volunteered his service in that industry organization in numerous board and committee positions. He served as President of the Texoma Chapter (1995/1996), President of the Texas Association of Health Underwriters (TAHU, 2012/2013), and Region 6 Vice President of the National Association of Health Underwriters (2014-2016). Kelly has also been a very active member of the National Association of Insurance and Financial Advisors. He has been a member of that industry organization since 1991 and has served in many board and committee positions over the years. He was President of the Wichita Falls Chapter in 1998-1999 and again in 2004-2005. The Wichita Falls Chapter awarded him their Agent of the Year Award in 1998. Kelly served the Texas Chapter as a Regional Director from 2000 to 2003. In 2005 Kelly graduated from NAIFA’s Leadership In Life Institute program (LILI).
Kelly’s industry achievements include the Texoma and the TAHU Volunteer of the Year award in 2006. In 2007, the Texoma Chapter awarded Kelly with the Agent of the Year Award. Then in 2012 the National Association of Health Underwriters honored Kelly with the NAHU Presidential Citation as well as the Robert W. Osler Professional Development Award for outstanding achievement in promoting health insurance educational activities. That same year NAHU also awarded him with their Distinguished Service Award for outstanding and dedicated service to NAHU and the health insurance industry. TAHU also honored Kelly with the Tom Schilling Outstanding Texan of the Year Award (2012). In 2013, TAHU awarded him with the Ken Martin Award for Excellence in Communication for excellence in professionalism, reputation, and character. This award is the highest and most prestigious journalism and public speaking award that TAHU can bestow on a member. NAHU also awarded Kelly with the State Legislative Achievement Award for his work in helping influence the Texas political climate for better healthcare reform for the Texas consumer (2013). Kelly has been a “Leading Producer Round Table” member since 2007. For the years of 2011, 2012, 2013 and 2014 he has been a Golden Eagle producer.
Outside of work, Kelly’s life is devoted to his family and community. Kelly and his wife, Jana, have been married since 1989 and have 3 daughters; Lindsey, Raychel, and Paige. He very much enjoys being a part of his children’s lives and his community. Kelly has served as President of the school board at Wichita Christian School and continues to serve as a school board member. Also, Kelly serves on the Board of Directors at United Regional Health Care System using his knowledge and skills of the health insurance industry to help improve on what the hospital system can do for the local community.
Mike Muirhead, CFBS, Special Needs Planner
Mike’s mission as a financial professional is to help every one of his clients lead a better financial life. For more than 20 years, Mike has worked with business owners, physicians and other professionals, executives, retirees and pre-retirees on financial strategies to help them protect their income, provide for their employees and families, plan for a secure retirement, and leave the legacy they choose for their heirs and community.
Mike begins each new client relationship by conducting an exhaustive review of all his clients’ financial and legal documents to gain a complete understanding of each client’s total financial picture. He knows that financial decisions shouldn’t be made in a vacuum because every decision can have a large effect on the client’s financial future. Mike believes strongly in providing his clients with a financial education so they fully understand their options and can make educated decisions with complete knowledge of what actions they are taking and why these actions are appropriate for them. He always collaborates with any other advisors such as attorneys and CPAs with whom his clients work to make sure that all recommendations fit together for the client’s best interests.
Mike is a Special Needs Planner capable of assisting families whose members have a physical, psychological or learning disability. Planning for these families is vitally important and requires the utilization of specific techniques, such as special needs trusts, so that public services are still available to the affected person. He has a thorough understanding of the financial aspect of working with people with disabilities and their families, including Social Security integration. In addition, he can advise clients on the need for having a written life plan, which includes the discussion of guardianship and future living arrangements.
Mike is also a Certified Family Business Specialist, receiving the designation in 2000 from the American College. This certification and training allows him to provide expertise to owners of family-owned businesses and closely-held corporations. Important issues like taxation, buy sell planning, business valuation, key person, and exit strategy planning for owners are several of the areas on which Mike can advise his clients. He has many years of experience in estate and tax planning concepts, and the emotional dynamics of family businesses and generational succession planning.
Mike has been and continues to be recognized for his financial services industry achievements. He is also an active member of the National Association of Insurance and Financial Advisors (NAIFA). He is very involved in the local community as a member of the Wichita Falls Bureau of Commerce and Industry and supports many local charities, non-profits and philanthropic efforts including participating and sponsoring the Autism Awareness WF 5K Run, The Boy Scouts of America, The Kitchen (providing meals to local elderly and adults with disabilities), Muscular Dystrophy Association, Big Brothers-Big Sisters, and Project “Back to School” to name a few. Mike is also a former President of Partners in Education (PIE), a PIE mentor and the Board of Governors for Texas Specialty Hospital.
Mike holds a general securities license in 12 states and an insurance license in 5 states. Offices of Financial Partners are located in Wichita Falls, Austin, Marble Falls and at two locations in the Dallas-Ft. Worth metroplex.
Mike and his wife Tammie have been married over 35 years. Their favorite pastime is spending time with the family, which includes 2 daughters and son-in-laws as well as their first grandchild. When there is free time, they enjoy travel, fine dining, and an occasional round of golf.
As a financial
professional, Tony works with individuals on strategies to help them
manage risk and build assets for a more secure financial future. Tony helps his clients understand that their
most valuable asset is their ability to earn an income, and how important it is
to make sure that their income is protected if they couldn’t work. Tony is
licensed in Texas and Oklahoma to provide Life, Health, Long-Term Care, and
Disability Income Insurance, along with Fixed Annuities.
Tony began his financial services career after graduating from the University of Science and Arts of Oklahoma in 2007, with a Bachelor’s Degree in Psychology. He is actively involved in several local business organizations including the Burkburnett Chamber of Commerce, the Wichita Falls Chamber of Commerce, and the Young Professionals of Wichita Falls. A college baseball player, Tony is still a sports enthusiast and enjoys traveling and golfing in his spare time. He is also very involved with the Colonial Church in Wichita Falls.