About us
Independent. Local. On Your Side.
Gold Coast Financial Group was built on one belief: you deserve advice from someone who answers to you — not to a quota.
Ken Cunningham
President & Founder
CLU, LUTCF · 50+ years in financial services
Ken Cunningham founded Gold Coast Financial Group LLC after years of watching families receive cookie-cutter financial advice that served the company selling it more than the family buying it. His mission was simple — build a practice where every recommendation is chosen because it is the right fit for the client.
Ken brings more than 50 years of experience in financial services — including nearly three decades at Prudential before choosing to build an independent practice. He holds the CLU and LUTCF designations, is licensed across multiple product lines, and works with a carefully selected network of top-rated carriers — which means you get access to a wide range of options from multiple carriers, without being locked into any one company.
Guided by faith and family, Ken is known for giving more than he takes — his time, his expertise, his honesty, and his genuine concern for the people he serves.
Josh McClelland
Partner
Josh McClelland has been a partner at Gold Coast Financial Group for over a year now, working side by side with Ken every day — a partnership that has been a great one from the start. He is known for his commitment to excellence, his ability to connect with people quickly and genuinely, and his dedication to understanding each client's unique situation before recommending anything.
Like Ken, Josh's faith guides how he works, and family sits at the center of his life. And he'll gladly talk golf — years spent caddying at one of Jupiter's most exclusive clubs taught him early that trust is earned one conversation at a time.
We are licensed in multiple states across the country — and because we are an independent insurance agency, we can usually add licensing for a new state quickly. Wherever you are, reach out; chances are we can help.
We are not a big firm. We are your firm. When you call, you talk to us. When you have a question, we answer it. When your situation changes, we are here.
What makes us different
Built to serve you — not a sales target
- 100% independent — no quotas, no company affiliations, no hidden incentives
- Specialists in creative strategies like our Pension Protection approach
- Four service areas under one roof: retirement, insurance, Medicare, and healthcare
- Based in Palm Beach Gardens, FL — proudly serving our local community and beyond
- Licensed in multiple states — and we can usually add a new state quickly
How we're paid — full transparency
Consultations are always free, and clients never pay us a fee for guidance. When you choose a policy through us, the insurance carrier pays us a commission — and because we are independent, we can recommend across many carriers instead of pushing one company's products. Your premium is the same whether you use an agent or not. And if what you already have is the right fit, we'll tell you to keep it.
Sit down with us — no cost, no obligation
Schedule your free, no-obligation consultation. We serve clients in multiple states — and if we're not licensed in yours yet, we can usually add it quickly.
No pressure. No obligation. Just straight answers.