Who we are
At Golden Years Solutions, we are your local insurance team dedicated to serving our rural community. With a servant's heart at the forefront of all we do, we are committed to advocating for our local residents to ensure you have access to the best policies available both now, and as things change in the ever evolving world of insurance.
From enrolling in Medicare, navigating the social security process, and deciphering through the various additional pieces, and assisting you through your estate planning - our job is to make it simple. As independent brokers, we are licensed with multiple carriers all offering plans locally. This allows us to work for you, not the insurance companies. Our plans range from under 65 - both ACA and private short/long term plans, medicare (supplemental and prescription drug plans), dental, vision, cancer, long term care and life insurance.
We are committed to helping individuals and families find the coverage that best suits their unique needs. Our mission is to empower our clients with knowledge, offering expert guidance and compassionate support every step of the way. We believe in being educators first and insurance agents second.
Whether you’re looking to analyze your social security benefit, enroll in medicare, find coverage for a spouse/dependent or looking to make changes to your existing plan, we’re here to ensure you make informed decisions that put your health and wellbeing first. We strive to truly make a difference in our clients lives by being a resource they can trust to be honest, reliable and good at what they do.
Thank you for being here, and thank you for the opportunity to serve you. We couldn't do what we do without you!
Best,
The Golden Years Solutions Team
Kristen Roe
Retirement Specialist
Kristen Roe is the founder of Golden Years Solutions, where she helps individuals and families navigate retirement with confidence through guidance in Medicare, Social Security, health and life insurance, and estate planning. With more than 15 years of experience serving seniors in a variety of professional roles, she is committed to providing clear, trustworthy advice with integrity and compassion. Kristen is especially passionate about serving rural communities and believes every client deserves personalized attention and the same care she would offer her own family. Her faith in the Lord is the foundation of both her life and her commitment to serving others.
Our Team Of Strategic Partners
Carter Wilcoxson
Founder and CEO of ePIC Services Company
For nearly two decades, Carter has assisted top advisors in providing safe retirement solutions, bringing access to a network of industry professionals, and supporting their many clients.
His personal experience with the “average” households seeking to protect their savings has driven him to identify unmet needs in the financial industry. Carter noticed a gap between those with a solid retirement plan and those at risk of outliving their savings or having their legacy mismanaged.
To address this, he collaborated with leading experts to create the three E’s: Educate, Enlighten, and Empower. This led to the development of cloud-based Estate Planning software combined with his unique process, offering a much-needed solution.
Carter and his team now connect consumers with the necessary financial professionals and education through the eStatePlan™ Portfolio. This innovative solution helps people avoid costly legal fees using the OEPT (Outsourced Estate Planning Team) for comprehensive estate and legacy planning support.
Carter is also the ambassador of Legacy Stories and is leading the charge of The Living Legacy Project, which helps his network of independent advisors provide the necessary process to document their extensive lives. Kristen Roe is one such Financial Professional.
Rick Bailey
CEO | Advanced Planning Consultant
Camas helps advisors bring one of the most valuable—but often overlooked—conversations to their clients: protecting wealth, businesses, and families from unforeseen risks.
Too often, clients turn to “quick fixes” that fail. Camas instead equips advisors with proven solutions—insurance, irrevocable trusts, proper business entities, exempt assets, and clear asset segregation—to provide real, lasting protection.
With a simple process of inventory, risk assessment, layered protections, and regular reviews, clients gain peace of mind knowing their legacies are secure.
Asset protection isn’t just for the ultra-wealthy—it’s essential for anyone who wants to safeguard what they’ve built. Camas is here to support advisors with resources and strategies to help clients achieve lasting security.
Greg Crawford
CEO, TEP
Greg is a globally recognized leader in the Nevada trust industry. Prior to founding Crawford Trust Company, Greg spent nearly two decades leading a trust company in Reno, Nevada. He carries over two decades of experience working with lawyers, advisors, and institutions implementing estate and asset protection plans for multi-generational American and international families.
Greg is a regular speaker on the benefits and advantages of Nevada trust situs at American law schools and international estate planning conferences. Publications such as The Wall Street Journal, The New York Times, and The Financial Times of London regularly quote Greg. Additionally, Greg has appeared as an on-air expert on CNBC, Bloomberg Television, and ABC World News Tonight.
A native of Menlo Park, California, Greg is a TEP and holds a B.A. from the University of California, Davis, and an M.H.A. from the University of Minnesota.
Scott Johnson
Tax Mitigaation Specialist
Scott has spent 39 years in financial services helping professionals create more efficient, balanced lives. After roles at firms like E.F. Hutton and in areas ranging from real estate to hedge funds, his passion led him to focus on serving CPAs. He co-founded Financial Resource Network to help professionals reduce overwhelm and prioritize what matters most—family, faith, and community. Rather than work with hundreds of clients, Scott partners closely with a select few to make a lasting impact. A devoted husband and father of three, he lives what he teaches—being present for life’s most important moments.
Greg Agnos
ePIC Services Company
Greg started his financial services career in 1987 as a floor broker at the Chicago Board of Trade and Chicago Mercantile Exchange.
He’s a former speaker and trainer for hundreds of companies throughout the country, working with advisors from Primerica Financial Services, New York Life, and Prudential to name a few.
He now specializes in Estate Planning and Business Development for ePIC Services Company. He was a member of the 1984 Rose Bowl team for University of Illinois Fighting Illini. As an athlete, Greg spends his free time staying fit, enjoying the outdoors, and traveling.
Ciara Lister, Esq.
Network Attorney
As a network attorney for eStatePlan™ Ciara Lister believes in three key pillars: planning, preparation, and prevention. A full-scholarship graduate of Ave Maria School of Law in Naples, Fla., Lister began her law career as a Commercial Insurance Litigator in Boca Raton. She began seeing clients and her close friends struggle with the negative effects of probate proceedings, from dwindling inheritances to families destroyed by battles over money. This motivated her to change her focus to Estate Planning so she could help people avoid these issues before it was too late, rather than perform legal triage when the damage to families and their legacies had already been done.
Holly Halweg
Onboarding Specialist
Holly Halweg is the Onboarding Specialist at ePIC Services Company. Married to a financial advisor, she understands the needs of individuals and families planning for retirement, dealing with tax matters, and estate planning. As parents of a child with special needs, Holly and her husband engaged in volunteer work at their son’s preschool, designed for children with physical and developmental issues, including those on the autism spectrum.
Originally from Hastings-on-Hudson, NY, Holly attended the University of TX in Austin, initiating her career in the group medical insurance sector. Following marriage, she relocated to the San Francisco Bay area in California, and her family now resides in Boise, Idaho.
Aileen Castillo
Onboarding Specialist
Aileen Castillo is a dedicated professional with over two years of experience in the financial services industry through her work with GFI. She currently serves with ePIC Services Company, where she supports advisors and clients with organization, efficiency, and a strong attention to detail.
Prior to joining ePIC Services, Aileen worked as a Licensing Coordinator with Fusion, managing licensing and compliance requirements and assisting with advisor onboarding. She holds both a Health & Life Insurance License and a Cosmetology License, reflecting her diverse background and commitment to serving others.
Aileen is a native of Illinois, born and raised, and values integrity, consistency, and dependable service in all she does. Outside of work, she enjoys hiking, spending time outdoors, and caring for her dogs.
Annette Cannon
Onboarding Specialist
Annette is an experienced office management professional skilled in overseeing daily operations to ensure a smooth and efficient workplace. She is known for strong organizational abilities, a proactive approach, and a commitment to supporting both team members and clients. She brings an outgoing personality and a genuine passion for helping others, consistently contributing to positive outcomes and a productive office environment.
Annette is an outgoing and people-focused individual who enjoys creating positive experiences for others, both professionally and personally. Outside of work, she loves reading, spending time with friends and family, and exploring new adventures. She values meaningful connections and making the most out of every opportunity to learn and grow.