Retirement Planners of Central Pennsylvania

Meet the Team


Retirement planning services expert

Brian Gay
President and CEO

Brian started his retirement career after leaving the private wealth sector, where he spent three years working with Wall Street traders funding projects using adverse trading trends from natural gas and oil. During this same time, Brian was part of the team that helped to open the New York based hedge fund, Prodigy Asset Management. It was during this period in his career where he learned many valuable financial strategies and the power of leveraging assets. His knowledge of these strategies allowed him to continue exceling in retirement planning today for both his colleagues and clients.

In 2005, he began working with URL Insurance Group out of Harrisburg Pennsylvania. The knowledge he learned from the private wealth sector gave him an advantage with retirement planning. He is able to look at all angles in depth using different strategies regarding retirement planning for the senior sector.

Currently, Brian is the President of York Financial Wellness Group, LLC and Retirement Planners of Central Pennsylvania. He continues to build a solid team under the support of URL Insurance Group and several independent financial institutions. Brian spends hours daily reading and researching the retirement planning landscape to better his colleagues as well as the clients he works with on an individual basis.

In Brian’s personal time, he likes to play golf, go fishing and hunting. He is also a huge sports fan, especially when it comes to Penn State football and wrestling.

Kevin Kang

Kevin Kane
Retirement Planner

Kevin was raised in York, Pennsylvania, graduating from York Catholic in 1974 and York College in 1979 along with attending Wharton School of business for financial education. 

Upon graduation Kevin worked for local IBM in accounting, planning and account executive positions for 15 years. Upon early retirement from IBM , Kevin went to work in the financial industry for 30 years as a Financial Advisor. 

Kevin managed client assets and designed plans for income needs, asset allocation, retirement planning and asset protection. Each plan was designed based on the client’s individual needs.  

Strategic Alliances


As one of York County’s oldest law firms, Anstine & Sparler Law was founded in 1939 by the late Burg Anstine. With many years of successfully protecting our clients, our attorneys continue to provide quality and effective solutions to solving our clients’ legal problems. We pride ourselves in high quality legal services while maintaining personal client attention.

William Anstine Law Practice in York, PA

William B. Anstine, Jr.

Practice Areas: Personal Injury, Wills and Estates, Real Estate, Business Law, Municipal Law

John R. Elliott

Practice Areas: Personal Injury, Wills and Estates, Real Estate, Elder Law, Municipal Law

“We each began our careers working for large insurance-based financial firms. Early on, we both sensed we were working within business cultures that did not promote the development of deeper client relationships—the kind of relationships from which we could frame and provide more personalized, comprehensive financial planning. This realization became increasingly clear as our careers at separate firms continued to evolve.” — Jeffrey West

In 2005, Jeff decided to start a new company that would focus on providing high quality personalized financial advice. The new firm, Freedom Financial Wealth Management, emphasized forming a trusting relationship with each client and then working as an independent and collaborative advisor to provide highly customized financial planning solutions. Steve’s introduction to the Freedom Financial client emphasis was like discovering a perfect fit, and he joined the firm in 2006.

“Our willingness to invest the time needed to build an accurate understanding of our clients’ needs and objectives underscores our holistic approach. We believe that building a complete life picture for every client provides a fundamental advantage as planning strategies are developed. Our client relationships are our most valuable asset.” — Steve Fetterhoff

Jeffrey West • Managing Partner, Financial Advisor

Jeffrey began his career as a Financial Planner for American Express Financial Advisors in 2000. He transitioned to New England Financial, acting as a financial advisor representative and implementing training programs for new advisors. He then served as Vice President of Senior Services, before founding Freedom Financial. Jeffrey is a general securities representative and a licensed insurance agent and investment advisor representative.

Steve Fetterhoff, Freedom Financial

Steve Fetterhoff • Managing Partner, Financial Advisor

Steve has been working with clients providing insurance and financial services since 1987.  Steve is also a Registered Investment Advisor Representative, which allows him to provide fee-based investment advice and asset management.

Steve is a member of the Million Dollar Round Table (MDRT), National Association of Insurance and Financial Advisors (NAIFA) and is a graduate of The American College.

Steve believes that the holistic planning approach is vital in this world of uncertainty in pursuing financial freedom. It’s with his committed personal attention, open objective advice, and the firm’s team approach that provides simplicity and order to his clients’ objectives and financial goals

The Million Dollar Round Table (MDRT) is an independent association. Membership is based on production.

URL Insurance Group

URL is a multi-faceted insurance products and services company serving business owners and leaders, insurance agents, and professional advisors. Since 1986, we’ve kept our focus on the people who ultimately use our products. Because we know that, for every product or service we provide, there’s always a person who wants to feel safer and better protected by what we do. That’s why we say, “We’re in the people business.”

Disclaimer: The relationship between Retirement Planners of Central Pennsylvania and our Strategic Alliances is solely that of independent entities for referral. Each of the parties is in no way the legal representative or agent of the other party for any purpose, shall not in any way hold themselves out as such, and shall have no power to assume or create, in writing or otherwise, any obligation or responsibility of any kind, expressed or implied, in the name of or on behalf of the other party. Each party assumes legal liability for their respective services provided.