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
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.
Professional support team
Specialized experience across the planning process.
Terry draws on experienced specialists in planning, managed money, annuity new business, life-insurance new business, and in-force service.
Katie Hsieh
Katie provides responsive planning support, developing unique solutions and thoughtful case designs for complex client needs.
Alan Crouse, CFP®, ChFC®
Alan brings the CFP® and ChFC® designations to planning and managed-money support, helping organize investment considerations within a client’s broader financial plan.
Sara Daniels
Sara brings more than 16 years of experience in annuity operations. She specializes in pre-submission review and also has extensive experience supporting post-issue service.
Ashley Pica
Ashley brings 11 years of experience in life-insurance case management and new-business operations. Her background includes building, leading, and developing high-performing service teams.
Patrick Barongan
Patrick brings 10 years of experience across the annuity lifecycle, including carrier, advisor-office, and distribution support. He focuses on in-force annuity service, policy updates, and annual reviews.
Professional support resources shown here are not employees of Family Retirement Services.
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?
Third-party reviews
See our Google reviews.
Visit our Google Business Profile to read reviews posted directly on Google’s independent platform.
Google is an independent third-party platform. Content displayed there is maintained by Google and its users.
See if the fit feels right