Comprehensive Retirement Solutions

Protecting What Matters Most

Your Guide Through Life’s Uncertainties 

A Closer Look at Our Vision and Values 

With over two decades of experience in the retirement and financial services industry, Gateway Federal Retirement Consultants℠ (FRC℠) are the ones to trust. We are based in St. Louis, Missouri, yet we serve clients across the United States. Protecting our clients’ assets is our number one priority. Our FRC℠ educate our clients on their benefits and retirement options. Let us help you navigate your retirement challenges.

Meet the team

Tim Nolan

President, Federal Retirement Consultant℠

Tim has been a retirement consultant for over 20 years. He takes pride in helping pre-retirees understand their options before retiring. Tim holds his Federal Retirement Consultant℠ (FRC) designation and has used this certification to assist many Federal Employees understand their retirement benefits and options. His consultative and no cost approach puts the client at ease knowing that he’s not selling them anything and instead recommending numerous solutions that fit their needs. During your conversation with Tim, he’ll ask a lot of questions so that he can make the proper recommendation for you and your family. We all know that when you’re ready to retire, you’ve worked hard for so many years, that you want to make sure you can retire comfortably, without hesitation or concern for your financial future. Contact Tim today to learn more about your retirement options. Tim resides in Lake Saint Louis, MO with his wife Melissa and their two sons, Carson and Will.


Vice President, Federal Retirement Consultant℠

Joe got his start as a retirement consultant and insurance agent in 2018. He is motivated by his passion for helping clients protect what matters most to them. Joe also takes a consultative approach to his clients and conducts a thorough analysis of their needs, so that he can understand his client and make proper recommendations. He holds his Federal Retirement Consultant℠ (FRC℠) designation and has used this certification to assist many Federal Employees understand their retirement benefits and options. Prior to entering this industry, he was a successful business owner of a durable medical equipment company. Joe resides in Dardenne Prairie, MO with his wife Crystal and his son Jake and daughter Ella.

Crystal Kuenne

Administrator, Federal Retirement Consultant℠

Crystal is Joe’s wife and the administrative employee assisting Tim, Joe and our team of Federal Retirement Consultants. She has been working alongside Joe for many years in each of his business ventures, always handling the administrative duties allowing him to focus on what he does best. Crystal now provides that same service to each of our Federal Retirement Consultants to allow them to fully focus on their clients. Crystal is typically the first point of contact for each federal employee, whether it is reaching out to schedule a call or confirming an appointment request, she is the one making sure that they are all set up to learn about their federal retirement benefits. Crystal resides in Dardenne Prairie, MO with Joe and their son Jake and their daughter Ella.


Federal Retirement Consultant℠

Fred is a certified Federal Retirement Consultant℠ with years of experience in the field.  He has worked with a variety of Federal employees, from all agencies, across the country, to achieve their retirement goals.  Fred believes in working closely with his clients to develop an understanding of their retirement needs and wants.   One of the aspects Fred enjoys most is educating others on how to maximize the benefits and transition into retirement.  Prior to entering this industry, Fred has actively traded the futures indices for over 10-years and continues to analyze the S&P 500 and NASDAQ today. Fred also has a background in education and engineering. His diverse background offers an analytical approach with education his priority. Contact Fred today to learn more about the options available for you and your family. 

Dan Brungard

Federal Retirement Consultant℠

Dan has been working in the federal space for a relatively short time but has been a Financial Advisor for over 15 years. When he works with retirees and future retirees, he explores all areas of their financial situation – even those he does not work with directly – to help them understand the big picture in their retirement. Dan takes pride in his two main mantras of Open, Honest, and Direct Communication, and doing the right thing for the client, whether it is good for him or not.
In addition to working with individuals, Dan also provides educational seminars for groups of people at no cost. Financial literacy is extremely important to him. It is never too early to start talking about retirement!
Dan resides in O’Fallon, Missouri with his wife, Helen. They have two adult sons, Mitchell and Matthew. He is an avid cyclist and a USA Cycling Official.

Tim Neer

Federal Retirement Consultant℠

Tim has been a Financial Advisor for over 8 years. He enjoys helping his clients prepare for and stay in retirement. His interest in helping people started when he began assisting with Medicare solutions. He noticed the lack of financial preparation that people had overall. Too many relied on Social Security for their retirement. That motivated Tim to become an Investment Advisor Representative which led him to continue his education and certification as Federal Retirement Consultant℠. Tim’s no cost consultative approach allows him to provide educated solutions that fit their needs. He is not selling a product but recommending a solution that fits their needs. We all know that when you’re ready to retire, you’ve worked hard for so many years, that you want to make sure you can retire comfortably with the confidence that you have been well informed. Tim Is a 35+ year St. Louis County resident who enjoys the occasional BBQ and smoking meat. He is also an avid orchid enthusiast and president of the Orchid Society of Greater St. Louis.

Colby Thomas

Federal Retirement Consultant℠

Colby has always had the desire to help others and began his journey in the service industry by becoming a Police Officer and later being promoted to Homicide Detective. After serving nearly 10 years, he decided he wanted to spend more time with his wife and two sons, but his need to help others was still there. He was fortunate enough to become a Federal Retirement Consultant℠, so he can still fill that desire by helping federal and state employees with all their retirement needs. Just like with law enforcement, his job here is to serve and protect. Colby resides in Wentzville, MO with his wife Jess and two sons.

Rich Springer

Federal Retirement Consultant℠

Rich began his postal career in 1987 as a PTF clerk/carrier. In 2005 he was assigned his first Postmaster position and remained a Postmaster for the following 18 years, retiring from the United States Postal Service in August 2023, with over 35 creditable years of service. He has always enjoyed assisting his fellow postal employees with everything from IT issues to fine tuning their eCareers for postal advancement. Rich recently acquired his Federal Retirement Consultant designation and is excited to help postal employees prepare for a smooth, worry-free transition into retirement. Rich resides in Clinton IA with his wife Kathy. He has one stepdaughter and three grandchildren. In his spare time, he enjoys golf, pickle ball and spending time at their lake house in northern Wisconsin.

Jason Youngblood

Federal Retirement Consultant℠

Jason is passionate about helping people secure their financial future. As a Federal Retirement Consultant, he takes time to understand each client’s individual needs and develops a retirement plan that aligns with their goals. When he’s not helping people protect their financial future, Jason is spending time reading personal development books or watching a good basketball game.  Jason resides in Columbus, Ohio with his wife Dorah and daughter Nande.

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Gateway FRC℠ is not affiliated or endorsed by the Federal Government