ATTENTION VETERANS! 🛑 
As a veteran, you've sacrificed SO MUCH for our country, and now it's time to reap the BENEFITS OF HOMEOWNERSHIP!

👉But the process of securing a VA Loan can be DAUNTING and TIME-CONSUMING, leaving you feeling overwhelmed and frustrated. 

🤝 That's where I come in!

💪 As your expert VA LOAN SPECIALIST, I'm here to make the process FASTER, EASIER and CHEAPER.

👍 With my guidance, VETERANS can navigate the eligibility requirements and property standards with CONFIDENCE, and I'll work with a variety of lenders to find the best loan option to help make the dream of owning a HOME COME TRUE!

😎 With NO DOWN PAYMENT REQUIRED, LOWER INTEREST RATES and NO PRIVATE MORTGAGE INSURANCE, a VA Loan is an excellent option for eligible veterans. 

👏 Let me help you achieve your dream of homeownership QUICKLY and EASILY with a VA Loan!

✍️ I want to offer you a FREE CONSULTATION to discuss all of your options so please click “Send Message” below and I will contact you IMMEDIATELY in Messenger!

Joe Spellman
NMLS: 2142845
NEXA Mortgage, LLC: 1660690
EQUAL HOUSING LENDER
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Corporate Address : 3100 W Ray RD STE 201 Office # 209, Chandler AZ 85226

I have a special interest in helping military families. Ive PCSd with my family 10 times. I know the stress of both buying and selling a home with little time to do it. Not sure where to start? Ask the Chief, Ill destress your PCS.

There’s a lot of folks who have served, or are currently serving, in the Armed Forces who don’t feel in control of their finances. They’re struggling with the unique financial challenges facing military families, and they don’t have a sufficient financial plan for their transition to civilian life or for their final retirement. 

As a military spouse for 25 years, I have seen this first-hand, and my mission at Plan For Your Goals is to help you take control of your finances and start getting the confidence about the future you want. 

Top 5 Financial Concerns for Military Families 
•	Managing money during an overseas deployment, 
•	Moving every few years due to permanent change of station (PCS), 
•	Balancing the spouse's career, 
•	Getting the right financial advice,
•	Transitioning from military life to civilian life.

If you’re stressed or worried because you’re struggling as you face these challenges, I know how you feel. 

My wife served in the Air Force for 25 years. Early in her career we made some mistakes with money and took on too much debt, making it even more difficult to cope with the unique challenges facing military families. 

We struggled financially for years, but in 2004 that changed after we attended Dave Ramsey’s Financial Peace University. It was there that we decided to take control of our finances!

Now, that’s exactly what I help people do every day. I’m a fee-only fiduciary advisor and one of Dave Ramsey’s Smartvestor Pros. 

I know I can help you take control of your finances.

My 8 Main Financial Planning Services: 
•	Tax-efficient, low-cost investing in your TSP, 401K, and brokerage accounts
•	Cash flow management and budgeting
•	Debt management and elimination
•	Education planning for children and adults (college, trade school, certification)
•	Risk management and insurance
•	Tax Planning
•	Estate planning
•	Retirement income planning

Your 6 Top Benefits
1.	Organization: I will help you get organized and feel in control of your finances.
2.	Accountability: I will help you stay on track while working to fulfill your financial obligations and responsibilities.
3.	Objectivity: I will help you avoid unwise financial decisions, especially during periods of emotional stress, bringing you an outside point of view.
4.	Proactivity: I will help you to anticipate and prepare for military and civilian life transitions, providing action plans you can carry out before they occur.
5.	Education: I will provide you with the knowledge and resources you need given your specific financial situation, so that you can make smart money decisions.
6.	Partnership: My aim will be for you to achieve all your financial goals, and I will work alongside you, taking the time to clearly understand the uniqueness of you and your financial situation.

Working With Me Is Easy: 3-Step Process
1.	Book Your Appointment for a FREE Financial Review: I will answer your questions, help you identify red flags and gaps in your financial plan, and give you practical steps you can take starting today. 
2.	Get The Right Plan: During our initial meetings, we will work together to develop your Comprehensive Plan by considering your:
•	Goals and values, 
•	Concerns and constraints, 
•	Comfort level with market volatility, 
•	Retirement time horizon, 
•	Current financial situation, 
•	What’s working well/not so well. 
3.	Keep Your Plan On Track: Quarterly phone call or virtual meeting to connect and follow-up. This is included with monthly financial planning and maintenance services only. 

So, if you’re interested or even just curious, click on the "Book Appointment" button at the top and see if there’s an opening that works with your schedule. Everyone’s time is important and the sooner we put something on the books, the more likely we are to find a time that suits us both.

Plan For Your Goals, LLC is a state Registered Investment Adviser. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions. Agents are associated with the following Agencies: American National, Prudential. Plan For Your Goals, LLC and these Agencies are not related entities. Although the firm does not charge a fee for attending the FREE Financial Review appointment and this appointment offers the attendees educational information, the appointment is intended to result in the attendee purchasing a product or establishing an advisory relationship. The SmartVestor program is made up of financial advisors and other investing pros from across the country. SmartVestor is an advertising service that Plan For Your Goals, LLC pays a monthly fee for introduction to potential clients. Our firm utilizes this service as a lead generator. SmartVestor utilizes the “Ramsey Values” and uses the Ramsey Solutions as a paid promoter of SmartVestor Pros. SmartVestor has a vetting process that includes a certain number of years of full-time experience as a registered securities professional, and agreement to the Code of Ethics. Potential clients can use this matching service at no cost.


The Florida Hometown Heroes Loan Program offers a lower first mortgage rate, additional special benefits, the program also provides down payment & closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work & serve. Borrowers can receive up to 5% of the loan amount up to $25,000 to help with their down payment and closing cost.

We're so glad you're checking out Shalimar UMC! This is the place to be if you want to grow in your Christian faith and are searching for a loving and welcoming church family. We are committed to growth through discipleship, worship Christian education, fellowship, and service through missions.

Shalimar UMC is beautifully blended in worship style with both traditional and contemporary worship services. Our church is located on a corner of Eglin Parkway in the heart of the Fort Walton Beach, Shalimar, and Eglin Air Force Base communities. We are still a rather young church founded in 1951. Since that time, we've grown and matured to around 2000 members.
You are invited to try any of our worship services we have on Sunday mornings:
8, 9:30, 11, and 11:07

MISSION STATEMENT:
The mission of Shalimar United Methodist Church is to REACH, TEACH, and SEND. We REACH out to our congregation, community, and the world to TEACH the word of God as provided in the Holy Scripture, and SEND our members and missionaries to be witnesses to God’s grace and His promise of eternal life to us through the death and resurrection of Jesus Christ.

VISION STATEMENT:
Christ-Centered. Multi-Generational. Community relevant ministries through worship, discipleship, and mission.

We offer the Easiest Way to Get Immediate Cash Today!
LOWEST rates in the area! 3% MLA Rate
Generous grace periods
NO additional storage fees
NO lost ticket fees
Flexibility to fit YOUR needs!
NO credit check and No application fees!
Cash Loans
ALWAYS expect RESPECT!
 We offer 30-day pawns with a 7 day grace period, PLUS the ability to extend pawns in 30-day increments. Fees vary depending on pawn amount, but start as low as $5.
**Per state law, a government-issued ID is required and you must be at least 18 years old to pawn or sell any items. Maryland law also requires that pawns for precious metals be held for a minimum of 18 days.
DLLR #991

Look, if you want one of the top realtors in the area, I am your guy. I am readily available and always ready to work. To the point, I even wrote an offer for a home on Christmas day. I started in real estate 13 years ago and I watched the market change and bring new challanges over the years. Yet the 1 constant is customer service. Having worked with over 850 friends during my tenure. It has always been my goal to make each person feel like they are my only client. Call me! Lets talk!

License #BK3237845

I moved to Florida after being stationed at Eglin Air Force Base in 2015. For the next four years, I served on active duty as an medical technician in the United Sates Air Force. Shortly after discharging from the military, I discovered my passion for real estate and became determined to learn all there is to know about it. My enthusiasm for helping others and effective communication helps me to connect with clients and provide them with the best service possible!

License #SL3500845

As both a military veteran and seasoned realtor in a largely military community, Lisa will ensure you find a home that suits you and is in close proximity to the area’s bases. As a prior service member and spouse, she understands the frustrations that military families endure during a PCS. Her goal is to make your transition to this area as effortless as possible!

License #BK3248455

Medical Massage, we are national providers of massage. pre or post-surgery and or injury we can help get your body back in motion.

Physical Therapy and Rehabilitation: We provide transformative care to our community through evidence, experience, and exceptional service because everyone deserves the chance to be unstoppable. We can take care of all your rehabilitation needs across the lifespan including: neck pain, back pain, pelvic floor dysfunction, upper and lower extremity pain, post-operative rehabilitation, pre-operative rehabilitation, vestibular rehabilitation, concussion rehabilitation, and pediatric injuries and developmental dysfunction. Our goal is to help our community members be the best version of themselves.

Business Phone:

PT Solutions Pensacola: (850) 912-6840; PT Solutions Creighton: 850.308.6510; PT Solutions Navarre: (850) 939-1233; PT Solutions Santa Rosa Beach: (850) 622-0842; PT Solutions at Fort Walton Destin Hospital: (850) 863-7581; PT Solutions at Twin Cities Hospital: (850) 678-2004; PT Solutions at North Okaloosa Medical Center Hospital (850) 683-5906

Multiple Locations:

PT Solutions Pensacola: 5401 Corporate Woods Dr. Suite 300, Pensacola, FL 32504

PT Solutions Creighton: 2114 Creighton Rd Suite C, Pensacola, FL 32504

PT Solutions Navarre: 8199 Navarre Pkwy Suite 12A, Navarre, FL 32566

PT Solutions Santa Rosa Beach: 249 Mack Bayou Loop, Santa Rosa Beach, FL 32459

PT Solutions at Fort Walton Destin Hospital: 928 Mar Walt Dr #103, Fort Walton Beach, FL 32547

PT Solutions at Twin Cities Hospital: 550 Twin Cities Blvd, Niceville, FL 32578

PT Solutions at North Okaloosa Medical Center Hospital : 550 W. Redstone Avenue Crestview, FL 32539

We are a Virtual Reality venue and Arcade! We have 4 VR Racing Sims with over 180 cars and 140 tracks! There are 2 Free-roam arenas where up to 6 players can take on Zombies call of duty style, shoot bows and arrows at Orcs and Flying dragons, fly through a futuristic space city battling an evil giant head or shoot each other in a fun game of laser tag! We also offer VR PC stations with over 40 experiences to choose from. Want to run in VR, try out the Omni Virtuix with 15 different experiences. There are 18 different VR Escape Rooms where up to 6 players have an hour to try and get out... alive! Our classic Arcade has over 150 awesome classics for only $7 all day play!

Picture perfect. Superbly stylish. Conveniently close.

Hughston Orthopaedics for all your Orthopedic needs at Hurlburt Field and Eglin AFB!

Emerald Coast Portable Buildings and Uhaul Truck Rentals near Hurlburt Field has helped make moving easier on all Military Families with immediate assitance.

No money down with Military ID with 620 credit score. 
VA Home Loan Approval & up to 5% of the loan amount up to $25000 to help with their down payment & closing costs. 

No money down with Military ID

Military and civilian financial retirement plans. Includes a free consultation. Contact us today! (850) 786-3400.

15% Off Retirement Plans

Limited Vouchers available.  Please call for availability or schedule an appointment with Joe today!

Up to $600 Appraisal Credit

15% off

Wright

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Plan For Your Goals

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