Your Source for Mortgage Lending!

We specialize in High-Interest accounts, insured and guaranteed up to $250,000. 

Contact Us today for more information.

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Are your accounts safely earning the max?

Emerald Coast Financial Accounts is your Trusted Resource and offers guaranteed and insured accounts with the highest rates available. We work with customers in several states, handling many millions of dollars in deposits for our customers.

That's why "retirement" is more than financial formulas - it's your lifestyle and yours alone. Our learning library connects you with our 2 years of creating retirement security. Check us out and sharpen your financial instruments for your exact retirement.

Let us help you spend your years volunteering, concentrating on your own healthcare, watching stock tickers, family time, caring for your loved ones and friends, and enjoying your personal hobbies!

Retirement should never mean, "changing jobs from paid to unpaid." We're here to help.


Dr. Paul Renfroe has 26+ years of experience helping seniors... 

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We boast an impressive library that encapsulates the tools necessary...

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Do you want to provide enough financial security for you and your...

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Explore the world's first 100% Cloud-based Estate Planning software FREE!

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We guarantee the highest returns on your savings and investment. Reserve your seat at the Red Bay Market, 12 seats available, on the first Tuesday or Wednesday of the month. 

Reserve your seat today, and breakfast is on us!

Income Planning

Dr. Paul Renfroe has 26 years of experience serving seniors who want to maximize income. As a result, he has a large number of tested and proven strategies for getting all the income that your assets can yield for you. 

His guiding principles are easy and clear. Call us today for more information.

  • It's your money. You earned it. You sacrificed and saved it. It serves you first, not the financial institution. 
  • You've got to be able to lay your hands on money without hurting your income. But ONLY you, and no one else.
  • There should be no risk of loss, none at all. Your income must be guaranteed. 

  • Your income plan should make your life more enjoyable.
Serving the Financial Needs of Seniors

Contact us to set up your appointment today. 

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Meet Dr. Paul Renfroe, President/CEO Emerald Coast Financial Accounts, LLC
Dr. Paul Renfroe and his wife Diane are the owners of Emerald Coast Financial Accounts, and have proudly invested 26+ years in serving Safety to Seniors. 
Learning Library

Our goal is to keep you fully informed on every benefit we offer. Below is a sample of our reference materials and tools necessary at meeting that goal.

How to Enjoy the Drive

How to have a "Pleasant" Financial "Drive," eliminate financial stress, and enjoy the journey. 

Weak Retirement Sources

The idea of being old is hard enough. Being old and poor is intolerable, and unacceptable. 

Annuities Encyclopedia

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Greece, Economic Collapse, You

The economy is global, don't let a disaster affect your financial security.

45+ LIFE Lessons

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Cruel Math of Loss

Why the stock market surges make the case for low- or even better, no-volatility funds.

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Reach out today to schedule a meeting, receive additional information on our services, or with any other questions or concerns!