If your current plan creates uneasiness, then it doesn’t match the current you.
The world of finance can be overwhelming.
Investing, stocks, CDs, prospectus, annuities, life insurance and the like. Emerald Coast Financial Accounts can help you feel secure.
Peace of mind is an underestimated component of happiness.
When you have it, you can get on with your life. After all, the point of living is to live—not to worry about money.
People who are not yet retired want help saving money most effectively.
If retired already, our clients want their money to last as long as they do.
People who are good at making money, saving money, and growing money can be less adept at owning it.
Owning your retirement money efficiently, with peace of mind, is often elusive.
Who We Serve
We serve people. Our clients are at all stages of life and all levels of wealth.
We do not serve financial companies. Our compliance with financial industry rules and ethics does not prevent us from helping you get what you want.
Whether you are trying to SAVE money, PROTECT money, or USE money, you want to do it the best way possible. We help you identify the best way for you.
How We Serve
We serve you at your pace. It’s your money, and
what you want is what you get from Emerald Coast Financial Accounts.
Flexibility and suppleness rank highly with peace of mind for retirement.
You tell us how you want our expertise to serve you.
Knowing your expectations allows us to advise you of
the best ways to achieve what is most important to you.
What matters to you is all that matters to us.
How We Serve
We serve you at your pace. It’s your money, and
what you want is what you get from Emerald Coast Financial Accounts.
Flexibility and suppleness rank highly with peace of mind for retirement.
You tell us how you want our expertise to serve you.
Knowing your expectations allows us to advise you of
the best ways to achieve what is most important to you.
What matters to you is all that matters to us.
What Are Our Customers Saying About Us?
“When I had to activate my power of attorney, I was hitting brick wall after brick wall with my parents’ financial companies. Months went by—weekly phone calls with no results. My frustration level skyrocketed. At the time I shared an office building with Emerald Coast Financial Accounts, and knew Paul Renfroe. They said they could help.
Hesitant at first, I then handed over boxes and boxes of documents. In a few short days they had organized everything—EVERYTHING—on one spreadsheet. Paul Renfroe knew exactly what to ask the companies for and pushed them to stop stonewalling me. We got answers quickly, and I immediately had a HUGE sense of relief.
I highly recommend working with Paul and his firm.”
Julie D.
Meet Our Team
Brent Kalb
Brent D. Kalb joined Emerald Coast Financial Accounts in March 2022. He is a Registered Representative with SA Stone Wealth Management, Inc. through Henderson Financial Services (HFS), based in Medina, Ohio. HFS is an Independent Investment Firm providing securities through SA Stone Wealth Management, Inc. member FINRA/SIPC. Learn more at https://www.hendersonfs.com/team.htm
Prior to joining Emerald Coast Financial Accounts and HFS, Brent was with a large regional bank located in Columbus, Ohio and most recently served clients within Private Banking.
Brent is a native of Ohio and a graduate of Mississippi State University with a degree in Business Administration and minor in Economics. Brent, also a PGA Member, led golf operations at a prominent country club in Columbus, Ohio. Brent then moved into Banking and Financial Services in 2015.
Brent resides in Freeport, Florida and enjoys building relationships with his clients in Florida, Ohio and states around.
Paul & Diane Renfroe
Paul & Diane Renfroe have served financial clients since 1994. After founding Emerald Coast Financial Accounts LLC in 2015, they now serve clients in seven states. Natives of Tennessee, they moved to Santa Rosa Beach in 2011, and now reside in Hammock Bay, Freeport.
Paul has served as managing partner for companies in oil and gas, game development and rental management. He is an experienced real estate investor. Paul has also served as board chairman for a chapter of the Alzheimer’s Association and for the Bodine School, both in the Memphis TN area.
In addition to their financial services, they are also ordained ministers with a writing and speaking ministry, ParadigmLighthouse.com. Paul is the author of the nine-book Unseen Series. Together they have produced nearly 100 conferences for Christians’ and churches’ spiritual growth. They have also preached and provided other leadership in numerous churches. They serve under the leadership of Christian International Ministry Network of Santa Rosa Beach, FL.