Our Mission

Proud to provide the highest interest rates available on insured and guaranteed accounts, Emerald Coast Financial Accounts works with customers in several states and has handled many millions of dollars in deposits for its customers. All our accounts are insured and guaranteed to at least $250,000.

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Are Your Accounts Safely Earning the Max?

Emerald Coast Financial Accounts, LLC offers only guaranteed and insured accounts with the highest rates available.

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Our Services

Income Planning

Legacy Planning

Retirement Security

Half Priced Estate Plans

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Generational Vault

Keeping Your Financial Information Safe and Secure

A virtual “safety deposit box” for our clients to upload important documents and view financial information. It comprises three dynamic components, including a secure portal to send and store confidential financial documents, daily investment and banking values, as well as snapshots of financial assets and expenses to view. All data is secured with a SSL Certificate, one of the strongest encryption key available, and adheres to compliance and regulatory requirements.

Generational Vault Login

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Learning Library

  • Social Security Maximization


    Writing Your Retirement


    Facts of Life


  • Rule of 100


    Income Planning


    Legacy Planning


Client Feedback

Ed A. ~ DeFuniak Springs

I was tired of earning ½ of 1% on my savings. I saw the ad in the paper. I looked around and found the right place. I moved the money and am very pleased.

Carol R. ~ Pensacola

Finally, a company wanted to invest my money in a safe way. A safe product that makes more money in a safe way, than any other way I have found in many years.

Jim W. ~ Gulf Shores

We liked what he did and how he conducted himself. We came back a second time. So, we made arrangements for some more money (a sizable amount). This is the real thing, ladies and gentlemen. I don’t believe he would mislead you for anything in the world. So refreshing! Not a thing heard very often anymore.

Mildred C. ~ Pensacola

… it sounded pretty good. I showed it to my nephew who was in business and is retired. He checked out the company and said it was okay. We checked with the Better Business Bureau. We came in when we were comfortable with the company. I brought my son in with me. He works at Navy Federal as a loan officer. He thought it was a good plan, too.

Mike & Clivia S. ~ Lillian

My broker gave excuses, and I was tired of losing money. Paul has been a guiding hand and I am pleased and happy! There are no hidden costs, it is what it is! It does what it says!

Marlene R. ~ Fairhope

I am very pleased. You have been very helpful. Learned of you through the paper. I was looking for an investment at that time. You have a wonderful understanding and are compassionate with the elderly. I recently increased my investment.

Dennis C. ~Tennessee:

Paul Renfroe thoroughly explains the plans he offers. He has not been pushy. He follows up to our needs or requests in a timely manner. Paul is a real professional. The Pots of Money plan specifically has worked really well for us. After 10 years of Paul’s Pots of Money plan, we have observed all of the future funds grow really well! The growth has been very close to the value Paul estimated so many years ago. It is great to know the funds will never lose value. 

Meet Dr. Paul Renfroe

Dr. Paul Renfroe

Dr. Paul Renfroe is the owner of Emerald Coast Financial Accounts, and host of the “Emerald Coast Senior Show.” After over 20 years Serving Safety to Seniors, he understands what makes life unpleasant for seniors. He identifies exactly the kind of financial accounts that will give you the most peace of mind.

Paul believes that he must help you transfer risk away from yourself. The financial institutions try to put the risk on you, and have predictable profits, and well they should, seeking to maximize their profits. Emerald Coast Financial Accounts provides you with accounts that give you the predictable returns, and put all your risk onto the financial institutions, and enable you to maximize your profits!

Well read, with a deep understanding of the consumer-oriented financial system, and a well-studied history of the American financial system, Paul offers only the accounts that put you in the driver’s seat. He is exceptionally well-equipped to help you select the accounts. That’s the reason why all our accounts are simple, predictable, insured and guaranteed, with higher interest rates for your conservative allocation.

Meet Dana Battaglia

Dana Battaglia
Relationship Manager

Well, I did something super-smart! When my friend Dana Battaglia called me for a job reference, I listened to her and refused. It’s true, I did. “No way am I giving you a job reference. You are coming to work for me.” And I’m given Dana the title of Relationship Manager.

Dana B. is one of the most caring people I know. She is intelligent and exceptionally diligent – a lovey woman who enjoys taking care of people and their concerns. She came to the area to attend the same Ministry Training College that brought me here in 2011. Her husband, Andrew, is an experienced accountant and CFO, and they came here from Atlanta. She works with Emerald Coast Financial Accounts 28 hours a week. She’ll identity herself as “Paul Renfroe’s new Relationship Manager.” What does that mean? Dana will find the ways we can deliver good value to you.

Much of my time is absorbed in client service, because people are opening so many accounts with us. Dana’s contribution to you and to Emerald Coast Financial Accounts will be very meaningful to all!


Our Offices


201 E Government St
Pensacola, FL 32502


225 Main St, Ste 7M
Destin, FL 32541