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1500 Quail St.
Suite 600
Newport Beach, CA 92660
Phone: 951.712.1106
Fax: 951.712.1106

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Larry Rowley - CA
Regional Managing Director
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Larry was one of two individuals in the early 1980s that first brought bank owned life insurance and non-qualified benefits to bankers in the state of California. Larry became licensed in the field of Life Insurance in 1977 and soon after obtained his securities license. He specialized in Retirement, Business and Estate Planning before moving into the bank market where he has been for nearly 30 years. He has extensive experience in non-qualified employee benefits plans, focusing on financial institutions.

He has worked with numerous banks to help improve the bottom-line and, where needed, design and fund benefits for key executives. In consulting with banks, Larry seeks a “WIN WIN” strategy, designing plans to motivate and retain key executives on behalf of shareholders while achieving financial security for the executive in the retirement years.

He has been a featured speaker at California Bankers Association seminars, World At Work, and has spoken extensively to trade and service organizations throughout California on retirement and estate planning.


Ean Estep - CA
Associate Director
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Ean is a former attorney for the U.S. Securities and Exchange Commission. He entered the BOLI industry after becoming familiar with the product in a consulting business he formed, Highland Consulting, Inc., which helped banks increase capital through a re-structuring of executive benefit plans. Ean also has legal experience drafting SERP and split-dollar agreements. Since joining BFS Group, Ean has used his experience to design and implement BOLI and benefit plans for banks in the Western U.S.

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Doug Hartzheim - MT
Regional Managing Director
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8748 Saddle Mountain Rd.
Bozeman, Montana 59719
Phone: 406.600.7455

Doug Hartzheim first began his insurance career with Northwestern Mutual in 1982 and immediately earned honors in the western states for becoming a top producer. In 1985 he formed a company to assist in the design and funding both qualified and non-qualified plans for the business marketplace.

Mr. Hartzheim joined BFS Group in 2003 and returned to his roots as a benefits consultant. He focuses on designing and implementing supplemental benefits programs for officers and directors of community banks and is a BFS Group Regional Managing Director in the western United States. Doug currently holds his Series 63, Series 66, and Series 7 license.


K. Scott Phillips, J.D. - UT
Regional Managing Director
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5255 Edgewood Dr., Ste 350
Provo, UT 84604
Phone: 801.225.8000

Scott began his career as an attorney, practicing law in Utah. He is a graduate of Brigham Young University and attended law school at BYU's Reuban Clark Law School. In 2002, he joined Northwestern Mutual as a financial Representative with an emphasis on estate and business planning. After 11 years working with individuals and businesses in the area of financial planning, Scott joined BFS Group as a Regional Managing Director specializing in the funding of employee and executive benefits for financial institutions through the use of Bank Owned Life Insurance. Scott holds his Series 7, 6, and 63 licenses with FINRA.

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