About Us

Ronny H. Hair has over 30 years experience in the financial services industry, the past 20 years of which he has spent advising clients with retirement and investment plans right here in the Central and Lowcountry South Carolina and surrounding areas. As a seasoned and experienced advisor, Ronny treats every meeting and recommendation as if that client were his own family. He takes pride in the fact that most of his clients come from personal referrals. Ronny formed and managed “Members Financial Services” the investment department of SRP Federal Credit Union for over a decade, before opening his private practice over fifteen years ago. He holds insurance licenses in South Carolina and Georgia and is licensed as an Investment Advisor Representative (Series 65). His goal is protecting hard-earned assets and helping clients to achieve a lifetime of financial security for themselves and potentially multiple generations.

He has served on the hospital board of trustees from January 2000 to January 2009 and Board Chairman from the years 2001 to 2007. He uses strategies with proven results and communicates in simple, easy to understand terms. “Safety of principal and protecting assets from fluctuations are important guiding concepts I consider before making a recommendation.”

“When retirement income is on your mind, it’s not just the amount of income, but the safety of it as well that matters.”

Strategic Partners

Palmetto Retirement Specialists, LLC works with various third-party money managers. One of our strategic alliances is with Gradient Investments, LLC (GI). GI is an SEC-registered investment advisor firm offering clients over 20 proprietary portfolios. Portfolios are managed by their President Michael Binger, CFA.

Binger has more than 20 years of institutional investment experience and is a regular contributor to CNBC, Fox Business, Forbes, The Wall Street Journal and many other national publications. Binger spent more than 20 years at Thrivent Financial where he managed numerous equity funds through various economic cycles.

Content provided by Gradient Investment, LLC an SEC-registered investment advisor.

*Diversification and asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment loss. Before investing, you should carefully read the applicable volatility disclosure for each of the underlying funds, which can be found in the current prospectus.

MICHAEL BINGER
CFA® , PRESIDENT
GRADIENT INVESTMENTS, LLC
Mr. Binger is the President of Gradient Investments. He has been with Gradient Investments since 2012 and has more than 30 years of total investment management experience. Mr. Binger’s prior roles include managing multi-billion dollar investment products for a large institutional asset manager. He graduated with a bachelor’s degree from the University of Minnesota and is a CFA® charterholder. We believe that he brings a depth of market experience that is rare within the industry and has been a featured contributor with several media outlets including CNBC, Fox Business, Barron’s, and The Wall Street Journal.

JEREMY BRYAN
CFA®, SENIOR PORTFOLIO MANAGER
GRADIENT INVESTMENTS, LLC

Mr. Bryan is a Senior Portfolio Manager for Gradient Investments. He has been with Gradient Investments since 2016 and has over 15 years of total investment management experience. Mr. Bryan’s job history includes equity research and portfolio management roles for institutional asset managers in Minneapolis and New York. He has been a frequent contributor to media outlets including CNBC, Fox Business, Reuters, and The Wall Street Journal. Mr. Bryan graduated with a bachelor’s degree from St. Cloud State University, earned an MBA from the University of St. Thomas, and is a CFA® charterholder.

Keith Gangl
CFA®, PORTFOLIO MANAGER
GRADIENT INVESTMENTS, LLC

Keith joined Gradient Investments in 2018 and has more than 25 years of industry experience. Prior roles include asset management for a multi-billion dollar portfolio with a large institutional asset management firm. Keith is a CFA® charterholder, managed a Lipper Award winning mutual fund, and has been featured in media outlets such as Investor’s Business Daily, Nasdaq, Reuters, and Bloomberg.

This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC.