Bob has been licensed and in life insurance since 1973 and 1983 in the financial services industry. He brings to the table a wealth of knowledge with the ability to solve complex problems for both individuals and business.

Bob has received top industry awards for his skill and knowledge in developing agencies and increasing production. He has held numerous management positions for insurance companies and has consulted in various capacities offering his knowledge.

He was also the co-host for the radio show "Forum on Finance" which aired for many years on local radio stations KFMB and KOGO.

He is currently CA life and health licensed and holds FINRA Series 6, 63 & 26. Bob has one son and was very involved with coaching and assisting his son's sports activities.

In his personal time, he enjoys golf, tennis and snow skiing.

Ron has been active in the insurance industry since 1988, having been in sales and management positions with The Prudential and Mutual of Omaha as well as a broker with First One Financial. Ron has received multiple times Million Dollar Round Table status in the insurance industry and has continued to increase his education with advanced courses on insurance topics such as using insurance to perserve and protect wealth and estates. Ron has focused his practice on the elimination of risk of principal by using fixed rate index annuities to manage downside loss of principal. Ron met his wife Michele while they were both attending San Diego State and they have resided in the Carlsbad area since 1981. They have two children, Brennan and Mckinzey who recently graduated from La Costa Canyon High School and now are in college.

With over 20 years of experience in many aspects of the Real Estate business, working with both buyers and sellers in Residential, Commercial, Investment Properties and Real Estate Finance. She has a MBA degree from San Diego State University and has been a resident of the greater San Diego area since all her life.

Through her company, she is able to obtain real estate financing from a wide network of banks, lenders and private money investors.

All Real Estate Services & Mortgage originations are provided by Kim Scaramella, CA Real Estate Broker, as an independent contractor.

NMLS #: 60341

All real estate and mortgage services are provided by Kim Scaramella as an independent contractor. Service and supervision are not provided by First One Financial or Lincoln Investment.

"The Captain" (Rolf) is licensed in both Life Sales and Property and Casualty Insurance. He is the father of two sons Anders and Joran with one daughter in law Andrea and two beautiful grandchildren Ava and Ashton. A widower he was married to Phoebe 25 years at her passing. His professional career spanned both the U.S. Navy as an E-2 pilot and the U.S. Merchant Marine serving as Master of 18 commercial and military vessels. Prior to joining with First One Financial, Inc., his last five years were as Delivery Captain of the Bob Hope class vessels at the Avondale shipyard in New Orleans for the Strategic Sealift Program for the United States. His vessels have all served in the Iraqi sealift. A veteran of Vietnam, Desert Storm and Haiti he retired from the Naval Reserve and the Merchant Marine as Captain and has an Air Transport Pilot rating in the DC-10. He is proud to work with our group of professionals and brings a different perspective to the meaning of Life and the necessity to protect the family unit and their assets through proper planning. He also serves as a consulting professor at the Maritime Institute in Baltimore, MD. Sea and air stories are encouraged and willingly passed over a round of golf. Please feel free to call the Captain he is used to it.