Contact
- QMS Financial
- Chuck Winn
- Robin Howard
- Justin Howard
- Michael Aubut
- George Harding
- Jeffery Harris
- Tim Salmans
- Dave Stelloh
- Pete Finney
- Patricia Cerchio-Vieira
QMS Financial
11757 W. Ken Caryl Ave., F-193
Littleton, CO 80127
Phone 720-887-4000
Founded in January 2009, QMS Financial is a company dedicated towards promoting and teaching individuals how they can maximize their financial wealth through the use of the 
Infinite Banking Concept. As a company operating nationwide, QMS Financial also offers its clients ongoing education and support as they develop and use their IBC system for retirement planning, college planning, funding major purchases, and more!
In addition to its ongoing support of IBC education, QMS Financial also hosts a variety of seminars and webinars throughout the month. The seminars/webinars welcome newcomers to the Infinite Banking Concept, as well as anyone who is looking to gain more knowledge on how they can change their financial lives.
Other than their dedication towards promoting the Infinite Banking Concept to clients, QMS Financial offers training for any Insurance Broker that would like to maximize the benefits of their personal clients retirement statement. Insurance Brokers/Agents can gain an edge in their industry by learning how to use the Infinite Banking Concept. QMS Financial offers these Agents/Brokers continued support and training as well as access to marketing tools within the QMS Financial organization.
Phone 720-887-4000 ext 1
Chuck graduated from Norwich University in 1992 with a Bachelor of Science in Hotel and Restaurant Administration. After college he worked in sales and started his own employee benefits company in 1997. Since then he has helped businesses develop their employee benefits programs and helped them implement cost saving measures within their programs. In 2006, he started an online insurance agency with his partner, Robin Howard. Since then, QuotesMadeSimple.com has been providing easy access to group and individual insurance products through the internet.
After the birth of his daughter in 2007, Chuck started looking for college planning options. Because his prior focus was on employee benefits, he found that college and financial planning was as foreign to him as it is to most people. As he looked at the options before him, he knew there had to be a better way. In November 2008, he met Matt Klaess at American Guaranty Financial and found that solution through the Infinite Banking Concept. This concept not only showed Chuck how to save for his daughter’s education, it also provided him with a way to plan for that first car when she turns 16 as well as a way to fund other major purchases for her such as computers and even his own retirement. Since then, Chuck and his partner Robin have made Infinite Banking a bigger and more important piece of QuotesMadeSimple.com and launched QMS Financial in January, 2009 to support that mission.
Chuck, his wife Kristyn and his daughter reside in Arvada, Co enjoying everything Colorado has to offer including hiking, mountain biking, rafting and backpacking.
Phone 720-887-4000 ext 2
Robin Tesher Howard graduated from the University of Florida in 1982 with a Bachelors degree in Finance. Thereafter, she worked in the banking and financial industry until she 
moved out to Colorado in 1992. She worked for numerous companies such as the Guardian, The Principal Financial Group and John Hancock as a financial representative. In 1996, she achieved the “Certified Financial Planner (CFP)” designation and utilized her education by helping her clients grow their assets while protecting their families.
In 2006, Robin, along with her partner, Chuck Winn, created an on-line health insurance agency, www.QuotesMadeSimple.com, offering various health insurance plans from many of Colorado’s carriers. They also offer other insurance services, such as disability protection and long-term care.
In late 2008, they created QMS Financial services to offer and promote the Infinite Banking Concept. Both Robin and Chuck hold seminars and do public speaking on this subject promoting it’s benefits in the areas of college planning, car and real estate purchases, business equipment purchases, deferred compensation and other major items.
Robin lives in Littleton,CO with her husband, Jay. Her two sons, Justin and Jonathan are students at the University of Northern Colorado. It is through the Infinite Banking Concept, that Robin has been able to fund her son’s college education. She has been funding banks on behalf of Justin and Jonathan for the last 13 years.
Robin and Jay enjoy skiing, snowshoeing, hiking, running, and mountain biking.
Phone 720-935-7213
As a young individual of the marketing profession I believe that bringing a respectful, responsible, and honest perspective to business is crucial for success. My knowledge has led me to create relationships with others who are driven and committed to succeed. Being approachable and confident is something that I profess everyday and making it a habit to give that back to others is something that I will do for the rest of my life.
My marketing experience originated from the University of Northern Colorado through the Monfort College of Business. From there I worked to put an Integrative Marketing Campaign together for State Farm, developed a global marketing approach to position product placement into Chile, and developed a marketing research report to present to Ace Hardware that focused on building their various marketing strategies.
As a part of 5280 RE Group, we focus on bringing deals to investors. We work with wholesalers, landlords, and everything in between. In addition to providing deals to others we also invest ourselves.
Michael has been in the finance industry for more than 10 years. As a Certified Mortgage 
Planner he has guided thousands of clients through tough financing decisions. After learning about the Infinite Banking Concept, Michael states that he “saw the light” and immediately began working to help individuals stop paying interest to the banks and instead pay interest back to themselves!
Michael has been teaching real estate investing and finance for years. His monthly article, “Money Matters”, has been carried in 7 different finance magazines and has an audience of several hundred thousand readers. His most recent publication was found in Trump University’s magazine, Trump University Advantage. Michael has taught business classes at Central Texas College, as well as a series of financial workshops for Realtors and mortgage brokers. His experience teaching classes for Certified Financial Planners has led him to much success as well.
Michael Aubut has a Bachelors Degree from Norwich University and a Masters of Science in Administration from Central Michigan University. He is a former Marine Corps Infantry Officer and served in the Gulf War as well as Somalia during his 10 years of service. Now living in Windermere, Florida, Michael is active with his church, his family, and many other community projects.
-Born and raised in a Los Angeles Suburb (Palos Verdes Estates).
-Graduated from Loyola Marymount University with a BA in Communications and minored in finance.
-Moved to Denver CO in 1981
-25 years in Telecom as a Financial Analyst for Sprint Communication
-Began sales career with Rocky Mountain Business Products 2006
-Sandler Sales Institute by Achievement Dynamics graduate (Presidents Club) 2007
-Jan 2008 to present, Branch Manager with United First Financial
List of 5 of my most memorable accomplishments:
• Managed to stay alive and out of trouble being born and raised in south central Los Angeles.
• Upon entering my neighboring junior high school, I was blessed with what was called an “Opportunity Transfer” (because I could not get along with my fellow Hood-lings…I had a big mouth). I was bussed to the wealthy beach communities and completed the next several years through Junior High (Orville Wright), High School (Westchester) and college (El Camino & Loyola Marymount). This is where I first learned that my thinking had everything to do with what was happening in my life.
• Traveled around the world with the singing ensemble “The Musical Americans” (a kin to the Up With People organization).
• During and upon completion of school, I was waiting tables and was asked if I wanted to relocate to Denver Colorado and be part of the opening crew of the new location? Well, why not…so off to the Rocky Mountains at 21 years of age.
• 3 months later, the restaurant chain closed and I said good-bye to my California buds as they all went back home.
List 5 of my most recent accomplishments:
• Went to work for a new telephone company…then “US Sprint” in the mid 80’s. Had a variety of mostly customer service and finance positions for the next 20 years.
• 18 years ago … “Hello love of my life”. One of my most prized accomplishments.
• One beautiful summer morning, “You have a meeting in HR” … Good-bye Sprint!
• Sales!? What’s this all about? I don’t even like sales people. Thank you Rocky Mountain Business Products for convincing me “we’re all in sales”. I gave it a try for some years with so-so results. Ongoing Professional sales training with Sandler Sales System changed everything. “People” focus is what it’s all about.
• Almost 4 years ago, my up bring focused on “those who have and those who have not” made me realize DEBT was not my friend. The universe brought to me United First Financial, which changed my life dramatically from debt to a much greater awareness of how my thinking was robbing me of my financial future. So much so, I went to work for the company and worked my way up to Branch Manager! About a year ago, this same position morphed itself into a Beloved relationship with QMS Financial, a reseller of the concepts and philosophies of United First Financial. Thank you Chuck Winn and Robin Howard for your confidence.
Current:
I’m a cash flow coach and I love what I do as it ‘s all about people and helping them make better decisions to create a better life. FORWARD: Financially Optimizing Recourses While Accelerating the Reduction of Debt.
I was born and raised in the Sacramento Valley, raised by a father who was born in 1896, who went from riding horses and buggies, to witnessing some of the first Ford automobiles built, to watching the space shuttle fly into space. He of course went thru the depression as many did, managed to start a small 2-3 man insurance office and keep it in the black and was able to offer us (his second family, due to the death of his first wife), a pretty nice lifestyle. Of course, nothing like the opulent obsessions we see today, but none-the-less, fairly nice. And yes, my mother was much younger. I’m sure he told me to save now and then, but silly me, why listen to that when he gave me pretty much anything I wanted and I didn’t understand what money represented anyway. And of course I certainly didn’t want to walk in his shoes and learn the insurance business, as I was a product of the 70′s and to wear a white shirt and tie, just wasn’t going to happen. Dad worked up through his 88th birthday, lived to be nearly 92 and was a great example of a very good man. Mom was also a very good person and of course a Wonderful Mom, however passed way too early due to smoking.
After High School, I worked as a motorcycle mechanic for a while, (I really like motorcycles) but after losing my drivers license, ended up going to a JC. However after just one semester I thought I was smart enough, quit and decided to become a carpenter for all the wrong reasons. I married my long time girlfriend Kim Marie Wilber in 1979 shortly after starting construction of my first two homes. No sooner did we return from our honeymoon to find out our homes were not going to sell any time soon due to rising interest rates (20+%). After becoming a general contractor and trying to survive the market of the 80′s, I gave up on that dream and realized I needed to start over at something that made a little more sense. After working as a firemen for a couple of years and bouncing around a few sales jobs, I went to work for a couple of large national construction companies, and we all know where that industry has gone again. With 4 kids, a 2 year old grandchild and married to Kim for 31 years, I now know that having one’s financial house in order early, is tremendously important to the whole family, as we really cannot predict our working future.
OK, so I now have earned a CA State Life Insurance license and I’m working within the Financial Services segment of the Insurance Industry. Helping people create a way to ensure their retirement is a happy one and avoid the retirement traps many of us have stepped into, is a very rewarding way for me to “Play The Back Nine”.
PLEASE, MAKE IT A GREAT DAY!
Patricia@StressFreeFinancial.com
Patricia is a true Renaissance Lady with degrees ranging from math/physics to holistic counseling and certifications from financial management to expressive arts. After college, she joined the Navy to see the world. She was a Naval Officer doing things like managing a $1.5 Billion budget for the Tomahawk Missile, in the days when $1 Billion was a lot of money. When determining what to do after her 20+ years in the Navy, she realized that helping people to help themselves was her true purpose in life.
Patricia founded Self Discovery Express in 2003 specializing in stress reduction and helping people create the life they wanted. After a few years, she began to notice that people had a hard time letting go of the financial piece when trying to visualize their “ideal life.”
In 2008, Patricia was introduced to UFirst (United First Financial) and their Advanced Cashflow Software that shows people how to pay off mortgages and other debt in record time saving tens, sometimes even hundreds, of thousands of dollars.
Patricia had a 15 year mortgage, because she wanted to ensure her home was paid off before she retired. However, she was concerned that if something were to happen to her or her husband that prevented them from working they might not be able to pay their mortgage. Since a 15 year mortgage is so much more than a 30 year mortgage. She decided to go back to a 30 year mortgage, to give her the peace of mind that if something were to happen, she and her husband could still pay their mortgage. Using the Advanced Cashflow Software they are on track to pay off their 30 year mortgage in less than 11 years.
Delighted that she had found an answer to the “money piece,” she began sharing with people how they could reduce their debt and financial stress. However, she noticed most Americans were more interested in building wealth than just paying off their debt. Patricia was then introduced to the Infinite Banking Concept of allowing people to build wealth with guaranteed growth and without risking their principal or impacting their lifestyles or budgets. No more worries about stock market drops or real estate recessions. Just some amazing ways to handle your money such as having the interest from car loans and other things going towards your retirement instead of to finance companies and secure college savings programs that are not held against you when applying for financial aid.
Just when Patricia thought managing your money couldn’t get any easier, she was introduced to the founders of QMS Financial. They are the only company in the country that has combined the Infinite Banking Concept, with not only the Advanced Cashflow System, but they have also incorporated Financial Coaching as part of their package. Since these concepts are rather unfamiliar to most people, they provide weekly coaching sessions for the first twelve weeks and monthly sessions after that to help people stay on track to the life of their dreams.
Patricia is not your typical financial consultant. Realizing that only 1% of the U.S. population has even heard of these proven methods; Patricia made it one of her goals is to share these concepts. Patricia specializes in introducing people to financial systems to increase their wealth and free time while decreasing their debt and financial concerns allowing them to create and live the life of their dreams. Patricia’s clients include new grads to retirees who want their money to work hard for them without them putting more time into managing it than they did earning it.
Patricia still teaches workshops such as Excuse Me Your Life is Waiting, Make Your Own Vision Board and Reduce Debt, Build Wealth at places like the Learning Connection in Providence, RI. In her free time, Patricia continues to pursue her passions of ballroom dancing and seeing the world with her husband Joe.