See the complete picture.
Organize retirement income, taxes, investments, real estate, insurance, beneficiaries, and legacy priorities around the life the plan must support.
About Family Retirement Services
Planning should begin with the problem—not the product.
FRS was built to make the connected questions visible, put tax-aware planning first, and help families move forward with a clearer financial path.
The FRS principleDiagnose before you prescribe.
We begin with your life, scan for potential pressure points, and coordinate the people and decisions around you.
The FRS difference
Tax-aware planning first. Products second.
Most people do not need another disconnected investment, insurance, property, or estate conversation. They need someone to see how the decisions affect one another.
FRS uses a preliminary TaxScan planning process to identify potential tax pressure points, frame the right questions, and coordinate financial actions with the independent tax and legal professionals you choose.
That integrated approach grew from the firm’s long-standing focus on retirement planning, investment management, tax strategy coordination, 1031 exchanges, and legacy planning—brought together in one clearer planning relationship.
How we work
Scan. Identify. Coordinate.
The process begins with your needs, concerns, and long-term goals. It continues with a monitored plan built around the decisions that matter—not a preselected product.
Bring pressure points forward.
Frame the tax, income, liquidity, concentration, survivor, and timing questions that may otherwise stay hidden between separate professional conversations.
Move with the right team.
Help connect approved financial actions with the independent tax, legal, Social Security, Medicare, property, and insurance professionals involved.
Planning that starts with people
Family is more than our name.
For Terry, planning is personal. As a husband, father, and U.S. Air Force veteran, he understands that financial decisions are ultimately about the people and possibilities you want to protect.
That perspective shapes the way FRS serves clients nationwide: listen first, make the tradeoffs visible, and build a plan that reflects the life behind the numbers.
Listen firstExplain clearlyCoordinate carefully
A clearer planning conversation
Private, personal, and focused on the decisions ahead.
The people behind the plan
Experience with a personal point of view.
Terry Martine
Terry has worked in financial services since 2000 and as a financial advisor since 2003. He began as an institutional bond broker with Vining Sparks, frequently trading $10–$20 million a day, then moved to UBS before becoming an independent financial advisor in 2009.
A veteran of the United States Air Force, Terry served as an F-15 crew chief. He and his wife are raising their two children.
Client Service
Kelly Roesler
Kelly has worked in banking and financial services operations since 1999. She specializes in business operations, management, and customer service and earned her Business Management degree from Indian River State College.
Kelly helps clients find convenient meeting times and answers questions about their accounts and policies.
Credential verification
Confirm Terry’s professional background through official sources.
Terry Martine is an Investment Adviser Representative of Signal Advisors Wealth, LLC. His individual Central Registration Depository number is CRD 4421413. His Florida insurance license number is E182369.
Investment advisory services are offered through Signal Advisors Wealth, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Martine Financial Co d/b/a Family Retirement Services.
Registration does not imply a certain level of skill or training.
Official verification resources
Terry Martine — IAPD, CRD 4421413 ↗
Signal Advisors Wealth, LLC — IAPD ↗
Florida insurance license E182369 — DFS verification ↗
Regulatory and licensing websites are independent government or regulatory resources. Their records should be consulted directly for current information.
Veteran Owned Business verified member
Family Retirement Services has an approved member profile in the independent Veteran Owned Business Marketplace.
VOB membership is an independent directory credential, not a government certification or regulatory endorsement.
A focused first conversation
Begin with the concern that keeps resurfacing.
You do not need to organize every account or know the solution before speaking with FRS. The first conversation is designed to understand the issue, the people affected, the timing, and what information may be needed next.
FRS provides financial planning and coordination. Tax, legal, Social Security, and Medicare questions are reviewed with the appropriate independent professionals and government agencies.
- What decision or transition is approaching?
- What feels disconnected or uncertain today?
- Which accounts, properties, policies, or benefits may be involved?
- Which tax, legal, or other professionals are already part of the team?
- What would a clearer outcome allow your family to do?
See if the fit feels right