Derek E. Baltimore, LACP

I love the industry in which I work! Since forming a successful corporate venture in 2002 after college, I've been "full steam ahead" working in the Medicare space.

Knowing that a person can pay a small premium to the Medigap carrier and be assured that all but $233 per year (2022 Medicare Part B deductible) will be covered by the insurer is such a fantastic story to tell to clients.

Everyone's situation is different and sometimes budgets influence the coverage available providing more challenges to lowering out-of-pocket costs for clients. With proven indemnity policies for "gap coverage", we can greatly reduce or even eliminate expenses for certain MA & MAPD plans.

About Derek Baltimore, LACP©

Derek Baltimore has been in the field of limiting consumers' healthcare costs in Medicare for over 29 years. His passion for Medicare recipients and protecting seniors' assets while they no longer have a regular pay check coming in is powerful and effective - virtually eliminating expenses for healthcare and offering principal protection with substantial income streams with lifetime retirement nest eggs.

With over 29 years of experience in the financial services industry, Derek E. Baltimore has a proven track record of providing excellent service to his clients. In 1991, he founded a successful start-up in the field of computer science, which he later sold to a publicly traded firm in Cincinnati, OH.

In 1994, he joined a boutique firm that specialized in serving credit unions across the United States. Following a series of mergers and acquisitions in the late 1990s, Derek became an investment advisor in Denver, CO, where he continued to serve credit unions as well as mid-size banks and thrifts. In 2005, Derek returned to his hometown of Memphis and began focusing on serving the senior marketplace with his extensive knowledge of financial products and services.

Derek holds securities licenses for series 7 & 63 and holds all four lines of insurance licenses in several states, including TN, AR, MS, TX, FL, ID, NV, and CA. He has held prestigious positions such as President of NAIFA Memphis, TN, and Regional Vice President for NAIFA TN from 2015-2019. In 2024, Derek is slated to become the President of NAIFA ID.

Currently, he resides in Burleson TN with his wife Amy, who is a Certified Public Accountant. The couple has a Bernese Mountain Dog named Hank and a Savannah Cat named Khari. They recently added a European Newfoundland to their family. Derek and Amy have six children, with their youngest child currently attending Saint Louis University at the age of 20.

Experience

I provide a range of financial services and advice to help you make the most of your money. I specialize in providing retirement income and comprehensive tax planning tailored to your individual needs. As a former local President of the National Association of Insurance and Financial Advisors Memphis/West TN, I have a wealth of knowledge and experience that I bring to every consultation. My goal is to help you make the right decisions for your financial future.

Calton & Associates - Tampa, FL (current)
Wachovia Bank – Capital Markets – Charlotte, NC
Wheat First Butcher Singer - Richmond, VA
Calibre Financial Group, Inc. Memphis, TN
Financial Institution Management Associates Corp. – Denver, CO
Sunset Investment Corporation – Denver, CO
Madison Avenue Securities, Inc. – San Diego, CA
NASD/FINRA Registered Representative (1994)
LACP© designation earned 2018
Enrolled in the Retirement Income Certified Professional through the American College

About Amy & Derek Baltimore

Derek & Amy Baltimore are pet-loving financial professionals residing in West TN. Combined, they have nearly 60 years of serving individuals and businesses. Some of the services they provide include tax-advantaged investing strategies; lifetime income product selection and qualified local "opportunity zone" strategies.

Education

BSCS, The University of Tennessee, 1991

President, National Association of Insurance and Financial

Advisors, 2014

Secretary, NAIFA Idaho, 2022

About Us

I provide a range of financial services and advice to help you make the most of your money. I specialize in providing retirement income and comprehensive tax planning tailored to your individual needs.

We Offer Services in These Areas:

Wealth Management Retirement Planning

Customized Portfolios Long-Term Care Quotes Capital Preservation Wealth Transfer Death Settlement Assistance

Fixed and Fixed Index Annuities Social Security Planning Tax Efficient Strategies Attorney/Estate Planning Documents Medicare Solutions CPA Resources Small Business Employee Benefits

Income Stream Planning 401(k) or Other Pension Plan Rollovers Life Insurance Quotes Risk/Cost Analysis on Investments Trust Funding Securities Team Approach