Get to know us

Jim Gaskins

Founder of United Retirement Services

I started in financial services in 2007, working in Medicare and long-term care. It didn't take long to realize the problem: working directly for an insurance company meant selling their products, whether or not those products were actually the best fit for the person sitting across from me. So I made a change — I became an independent broker, free to recommend what actually made sense for each client instead of what a single company needed me to sell.

Since then, I've built a practice around every piece of the puzzle: health insurance, life insurance in all its forms, group benefits for small and mid-size businesses, estate planning, and retirement planning. Along the way, I've had the privilege of helping more than 1,400 city, county, state, and federal employees across a dozen-plus states — from Minnesota and Wisconsin to Florida, Texas, and the Carolinas — build retirement plans they can actually count on.

That experience taught me something most people don't realize until it's too late: even good retirement plans usually have a gap somewhere. Maybe it's market risk with no floor under it. Maybe it's the catastrophic cost of long-term care with no plan to cover it. Maybe it's an estate with no trust in place, headed for probate. I founded United Retirement Services to find and close those gaps — using annuities, long-term care coverage, estate planning, and full retirement plans, and partnering with other financial professionals when a client needs something outside my own wheelhouse. My job isn't to sell you on anything. It's to make sure nothing important gets missed, and our team carries out that mission.

1500+

17

Years of experience

People helped

Tim Kaley - Fiduciary Investment Advisor

Tim Kaley works alongside Jim Gaskins to provide investment advisory services for United Retirement Services clients. In addition to being an Accredited Investment Fiduciary, Tim has dedicated a great deal of time over the past years studying a variety of important retirement topics. Tim has presented educational workshops and spoken at events throughout Minnesota and Western Wisconsin. In his spare time, Tim enjoys spending time with family and friends, hockey, skiing, hiking, and being active in the community.

Tim Kaley is an investment advisor representative of Gradient Advisors, LLC, an SEC registered independent investment advisor. His mission is to provide families and businesses with innovative financial strategies and planning to help lead to financial clarity and security.

Chad Levis REBC®

Chad Levis has been helping clients meet their insurance needs since 1997. He launched CAL Financial in 2016 and partners with many of the leading insurance companies in the industry to deliver top quality insurance products to fit the unique needs of each individual and business client. Chad and his agency assist clients in areas of Medicare, health insurance and employee benefits, life and disability insurance programs for individuals and business owners, as well as personal insurance lines such as auto, home and personal liability.

Corey Larson - Group Benefits Specialist

Corey Larson is an experienced financial professional who worked as an annuity wholesaler for a major insurance brokerage prior to becoming an independent agent. He brings that extremely valuable insight from across the annuity industry to every client. He specializes in Group Benefits for small to mid-sized businesses. Additionally, he is experienced in estate planning, life insurance, and long-term care, both in the individual space as well as with employer plans and other benefits.

Meet Our Specialists

Kfir Cohen - Group Specialist, Investment Advisor

Kfir is a proven leader in financial and benefits consulting, he brings sharp insight into helping companies navigate competitive talent markets while maximizing tax advantages and executive rewards. Kfir's hands-on approach ensures our solutions are tailored, compliant, and results-oriented — delivering retention lifts and bottom-line impact for clients of all sizes. As a licensed fiduciary investment advisor, Kfir also oversees employer plans and individual benefits, as well as specializing in group retirement plans and individual investment advising.

Contact Us

1-833-684-4537
info@unitedretirement.us