We embody the values we were founded upon.

Gerard is a successful insurance professional in the financial services industry—among the top 1% of producers, an honor for which he was inducted into the prestigious Million Dollar Round Table, the premier association of financial professionals in the world. In 1991, he was recognized as a leader in business by the world-renowned New York City business journal Black Enterprise Magazine.

Gerard finds his volunteer work within the community to be his most important mission, from teaching life skills to assisting with literacy. In addition, Gerard also served as a board member of the Susan G. Komen Foundation NC, supporting efforts to cure breast cancer.

As a licensed insurance agent in North Carolina since 2000, James specializes in term and whole life insurance as well as health insurance. His own personal story—the loss of his three-year-old daughter to a drunk driver—is what motivated him to become an insurance agent. His insurance agent at the time was a safe guide during the most difficult days.

Like that agent, James feels knowledge is power and life’s turns can happen in an instant. Because of this, along with his concern for people, James loves sharing the knowledge he has attained over the years. His joy comes from assisting others in establishing financial stability for themselves and their families to protect their present and future.

A licensed insurance agent in North Carolina, South Carolina, and Virginia, Jacqueline has been serving and informing clients for 30 years. As a financial professional, Jacqueline specializes in advanced insurance planning techniques, income replacement, mortgage protection, and annuities, all to help her clients achieve their financial stability. She works with individuals, families, small business owners, and their employees to set goals and provide strategies in order to reach their retirement income goals. She has received numerous awards and accolades for her winning attitude and unmatched customer service. 

Jacqueline has always enjoyed the simple things in life—spending time with family and now being apart of the “Grandparents Club.” There's no greater love! Traveling, especially to beaches, on spontaneous daytrips, is the best. She enjoys motorcycles and cruising to the mountains on a Harley Cruiser; or just relaxing watching episodes of The Big Bang Theory!

Jacqueline’s Motto: 

“LIVE as if you were to die tomorrow; LEARN as if you were to live forever.” 

—Mahatma Gandhi

Keenan Milbourne

"As a licensed insurance agent in Alabama since 2017, I specialize in term and whole life insurance. I have a strong background in serving the community in many different work fields especially in banking, so I make it my goal to ensure that those who I help get quality care each and every time. I know that most people want someone who is working for them to be trustworthy and to look out for their interests. These are values that I cherish and will make my priority. I truly enjoy helping others and helping them meet their financial goals and helping them feel as if they were treated with the utmost respect.

Outside of this, I have spent many years devoted to a volunteer work that has given me great joy. It has helped me connect with people and assist them in making decisions and changes in their lives. This work is something I truly cherish as I enjoy putting smiles on the faces of those who I get an opportunity to help.

Tony McCool

Tony McCool is an Agent at Pioneer Financial Group, specializing in retirement income planning, life and health insurance along with Medicare. As an entrepreneur for over 27 years, Tony has created a standard of exceeding the needs of his clients. He has brought that expertise to his new role in the insurance industry. 

His journey began after the loss of his loving mother, Catherine, in 2016. The family had to navigate through the challenges of handling her affairs after discovering she did not have life insurance. This experience fueled his desire to educate himself on life insurance and its benefits. Now, Tony finds joy and fulfillment in helping others learn how to protect themselves and their families.

A native of Rochester, NY, Tony resides in High Point, NC.Along with engaging in community service and outreach activities, he enjoys bike riding, roller skating, barbecuing with family and friends, traveling.

D’Andre Clayton

D’Andre Clayton is a licensed insurance agent who has been in the industry since 2016. He trailblazed his way through Teacher market serving 77 different schools in the Guilford County district. Providing counsel on how to optimize the state Pension in addition. Because of his consistent effort toward helping teachers prepare for their retirement he also was enlisted as a guest to several workshops at different high schools to speak to the student and help them understand financial concepts so that they can start their journey of financial literacy early.

To become even more useful to his senior clientele he became licensed as a Broker in Medicare which is his particular expertise at this point. Due to his efforts he has been partnered with several doctors office where he’s able to provide further assistance to the senior community and provide them Unbiased counsel to fit their needs.



D’Andre has also been featured on a local radio station for his Community Outreach efforts.

Daniel F. Forero

Daniel Forero started a new chapter in his professional life as a Licensed Life and Health Insurance agent at Pioneer Financial Group. Born in NYC, Daniel started his career in the financial district about 20 years ago and then slowly but surely moved on to the commercial side of the Real Estate business as a Fire Safety Director.

In all his previous positions, he has found that there is No Better Satisfaction than helping those around him in every aspect of their Life. Daniel rather teach and guide than simply sell something as he believes that this will ultimately lead to client’s satisfaction. He has a personal approach when dealing with people and his main concern is to meet the needs of those he serves.

Daniel is Fluent in Spanish and he enjoys Volunteer work. His main priority now is to assist future members to better understand the importance and the many benefits of Life and Health Insurance and how it can change their lives and those of their loved ones for the better.

Daniel enjoys DIY Projects and spending time with family and friends around a Barbecue.

Veronica Forero

Veronica Forero is a new Life and Health Insurance agent; she believes that putting people first and maintaining the utmost level of professionalism when working with someone, is what best defines her. She has an exceptional degree of efficiency and listening to people’s needs as well as working diligently with them to implement a plan that best meets all their concerns, is what she aims for.

She is a dedicated mother, a caring sister and daughter, and a loving wife. As a stay at home mom, the safety and protection of her family has always been her main concern and she has always been the one to help her family and others around her to prepare for life’s events. However, after experiencing the loss of two close loved ones, and living through the COVID - 19 pandemic, she realized how precarious and fragile life can be and how fast plans can change. Hence, she decided to attain her license as a Life and Health insurance agent, to continue to assist those who cross her path and help them at a professional level, to plan for life events as well as unexpected ones.

Veronica was born and raised in The Bronx, NYC Fluent in Spanish. She is the wife and the mother of two of the greatest men in her life. Veronica appreciates the simple things in life, as well as the variety of flavors that food and culture bring. She is certainly not afraid of new adventures, on the contrary, she is always up for a challenge and enjoys planning for new ventures. She is honest, and empathetic. She lives by her favorite quote “DON’T LIVE IN THE PAST, BUT LIVE LIFE TODAY VIEWING THE FUTURE …… THE BEST IS YET TO COME!”

Craig Williams

Craig Williams is a new agent who enjoys spending time with family, friends and serving his community. Craig specializes in helping to educate individuals and families with finding the best term, whole life and health insurance protection tailored to their needs.

Craig previously ran a successful alarm security business for over 20 years. As a small business owner, he knows firsthand the challenges that small business owners face when it comes to planning for retirement. Craig is dedicated to educating individuals and small business owners with retirement planning for the future. As a grandfather, he is focused on helping to plan his grandchildren’s college education fund and knows well the strain that it puts on families having to have both parents die unexpectedly and uninsured.

The reason why Craig is dedicated to preparing, educating and serving the needs of others?



“I have seen something further under the sun, that the swift do not always win the race, nor do the mighty win the battle, nor do the wise always have the food, nor do the intelligent always have the riches, nor do those with knowledge always have success, because time and unexpected events overtake them all” Ecclesiastes 9:11

Crystal Royster

Crystal Royster is a licensed insurance agent with Pioneer Financial Group in North Carolina and she specializes in Medicare and Life insurance. As a registered nurse for over 23 years, she enjoyed helping people coordinate their healthcare needs.

Crystal’s transition from the nursing field to the insurance industry started in September 2020 after recognizing the need to educate seniors and peoples with disabilities about their insurance options so that they can have access to healthcare that they need and deserve. She offers comprehensive insurance services including health, dental, vision, short term care, cancer, heart attack and stroke and hospital indemnity plans. She thoroughly explains Medicare and Life insurance options to her clients so that they can make informed decisions about what type of coverage is most important to them. So Crystal has taken nursing to another level in the insurance industry.

Born and raised in Fayetteville, NC, Crystal now resides in Greensboro, NC with her husband of 20 years. In an effort to provide service of excellent, she has partnered with several community agencies and doctors offices to help her clients navigate the Medicare maze. Outside of her professional life, Crystal enjoys dancing, traveling, reading, spend time with family, gardening, riding her bike and playing the piano.

Ethel Brown

Ethel Brown is a Licensed Insurance agent with Pioneer Financial Group specializing in Medicare and Life Insurance. With 20 years of Office Management/Administrative experience in medical and government industries, she has a passion for helping others achieve their goals both personally and professionally. 

Ethel’s journey in insurance began during the COVID-19 pandemic after experiencing the loss of a loved one. She realized that life can change in an instant which made her reflect on her priorities. Ethel then sought a career with purpose to not only help others but truly make a difference in their lives. A fellow agent and trusted friend recognized these qualities and encouraged her to join the insurance business. Ethel took on this challenge and now specializes in patiently educating Medicare recipients about their healthcare options. She also educates clients on the importance of Life Insurance. Her clients often acknowledge her patience and respect throughout the process. 



In addition to serving her community, she enjoys spending time with family and friends, organizing, dancing and listening to music. 

Zac Belton

Zac Belton is a licensed insurance agent assisting clients in NC, FL, GA, AL. I enjoy helping hard working people secure and grow their retirement. I have more than 20 years of experience helping small and medium size business owners reach their financial objective. Knowledge is the key to securing our retirement. Imagine knowing exactly how much guaranteed income you will have in retirement. Our team looks forward to providing you and your family with the information necessary to secure your financial future.

Lloyd Dix

Being an advisor and planner in the financial realm is a natural outgrowth of my time spent in government service. I have spent over 35 years in government service building a documented reputation for being an excellent communicator, instructor and executive manager with an exceptional ability for operational and process optimization. During my time as an executive manager, which spanned two decades, I successfully managed multi billion dollar fiscal budgets.

Since retiring from government service, I can now focus on providing information and education to others so they will be equipped with the knowledge of which financial options will best provide for their present and future needs. The same penchant for achieving operational excellence is now being used to customize and optimize financial outcomes for my clients.

Cynthia Williams

Cynthia Williams is a new agent who enjoys spending time with family, friends and serving her community. Cynthia focuses her attention on helping to educate individuals and families to find protection tailored to fit their unique needs. 

The reason Cynthia is dedicated to preparing, educating, and serving the needs of the community is her personal experience with health challenges and finding it difficult to obtain coverage. She feels everyone should be empowered with the knowledge to have choices and make sound decisions about their future. 

Cynthia was previously a business partner in the life safety services business for over 25 years. She knows firsthand the challenges that small business owners face especially women owned businesses.

“Build a plan today to be prepared for tomorrow’s uncertainty’s”

Alisha Overton

Alisha is a recent transplant to Chicago, IL. A native of NJ, she brings over two decades of experience in the Administrative Support Industry to her new journey as an adviser. Supporting people and caring for their needs is at her business core. She will now support new clients with options that will fit them individually along with those they care for.



In her spare time, she loves all things culture, food and international travel.

Malcolm Pass

Malcolm has been licensed in North Carolina to serve the community’s needs in Life, Accident & Health Insurance along with Medicare & Long-Term Care since 2020 and believes firmly that good financial decisions begin with a clear understanding of one’s objectives and are based upon sufficient information of available options. Often, we shy away from subjects we do not understand until someone demystifies the topic in terms that are simple and easy to grasp. Malcolm derives great personal satisfaction from bringing clarity to important questions. His life-long mission has been to empower others with the knowledge needed to be successful in their personal and family lives.

Malcolm resides in Charlotte, NC with his wife, Sharon, a native Charlottean. In addition to a strong commitment to community volunteering, he enjoys travel, photography, cycling, and foreign language study.

Terea Ferguson

As an experienced insurance broker with a passion for providing personalized protection solutions, I specialize in helping individuals and businesses navigate the complex world of insurance. With 5 years of industry experience, I have developed a deep understanding of various insurance products and a keen ability to tailor coverage to meet my clients’ specific needs.

My approach is centered on building strong, lasting relationships based on trust and transparency. I take the time to listen to my clients’ concerns, educate them about their options, and guide them through the decision-making process with clarity and empathy. Whether it’s finding the right coverage for a family’s home and auto or crafting a comprehensive risk management strategy for a business, I am committed to delivering exceptional service and peace of mind.

I stay updated on the latest industry trends and regulations to ensure that my clients always receive the most relevant advice and solutions. With a dedication to professionalism and integrity, I strive to exceed expectations and become a trusted advisor for all of my clients’ insurance needs.

Outside of work, I am actively involved in my community and enjoy giving back through volunteer work and mentorship programs. I am also committed to ongoing professional development to enhance my skills and expertise in the ever-evolving insurance industry. 

If you’re looking for a knowledgeable and dedicated insurance partner who puts your best interests first, I’m here to help. Contact me today to schedule a consultation and take the first step toward securing your future with confidence.

Jared Johnson

Formerly a firefighter for 6 years, Jared has a strong passion for helping others in their times of need. This has allowed him to make a seamless transition into Medicare and other lines of insurance where he can still make a lasting impact in the lives of others. With nearly 3 years of Medicare experience and strong foundation from his years with Humana as a career agent, he has begun his journey as an independent agent who can now be more flexible and efficient in his approach to Medicare, life insurance, final expense coverage, long-term care, annuities, and other avenues of insurance. His mission is to meet and exceed your insurance needs and goals so that you can make the most of your time doing the things you love such as spending time with family and enjoying life.