PROFESSIONAL PROFILE

R. Timothy Krueger, Senior Vice President - Investments, has more than 24 years of experience in the financial services industry. In 1999, he founded the Krueger Group and is the senior member of the team. He focuses on investment strategies and oversees all activity of the group. His goal is to provide financial advice in harmony with client's needs and objectives. Tim credits his success to understanding the client's current situation, goals, feelings, and family dynamics. Tim donates his time to emcee many charitable events in the Destin area and is actively involved with the community.

Cory J. Fosdyck, CFP®, CRPC®, began his career with The Krueger Group in 2002. He is originally from central Illinois where he completed his bachelor's and graduate studies at Western Illinois University. There, he received a BS in Business and an MBA while serving as captain of the Division 1 Men's Basketball team. Cory is a CERTIFIED FINANCIAL PLANNER™ and holds the CHARTERED RETIREMENT PLANNING COUNSELOR designation. He received a Certificate in Financial Planning from Florida State University in 2005. Cory has served as President of The Destin Toastmasters Club since its charter in 2003. He is Chair of the Emerald Coast Emerging Leaders (ECEL) and is also a Board Liaison of the Sandestin Lions Club, Walton Area Chamber, and Shoreline Church.

Julia A. Kearns, Client Associate, joined Merrill Lynch in 2006 and has been in the financial services industry since 1985. Julia arrived in the USA from England in 1989 and began working with Tim Krueger at PaineWebber in 1997 as a CA and Sr. Branch Administrator. Julia is a senior member of the Krueger Group support team and works closely with Tim Krueger assisting high net worth clients with all their service related issues.

Lindsey J. Hanlon, Client Associate, began her career with Merrill Lynch in 2006. She attended the University of South Alabama where she obtained a bachelor's degree in Public Relations. Lindsey is actively involved in the Emerald Coast Region of the American Cancer Society.