Our team provides an unmatched combination of work ethic, service, and experience.
The best and brightest come to UBA of Florida to make a difference in their local community and throughout the state. We are a team of doers and who know how to help our clients in an ever-changing market with growing risks.
Terry has over 25 years of experience with employee benefit programs, and is the founder and President of United Benefit Advisors of Florida, LLC.
Along with advanced degrees in business, underwriting, and risk management, Terry has earned the following designations: Certified Financial Planner (CFP), Registered Employee Benefits Consultant (REBC), Registered Health Underwriter (RHU), Certified Life Underwriter (CLU), and Certified Fund Specialist (CFS). He also holds active health, life, annuities, and general lines licenses in many states.
Terry serves as a Legislative Chairman and PAC Chairman for the Florida Association of Health Underwriting and as PAC Chairman for the Southeast Region of the National Association Of Health Underwriters.
Terry is a proud member of the Certified Financial Planners Board of Standards, the Society of Financial Service Professionals, the National Association of Insurance and Financial Advisors and the National Association of Health Underwriters (a Past President). He is active in service to his community, church and profession. Terry has lived all his life in the Greater Orlando area and enjoys spending his free time with his wife and two children.
Scott Clemons is a Charter Principal of FLUBA. Throughout his career Scott Clemons has remained active in many civic endeavors. He has served as the chairman of the Bay County Chamber of Commerce, Chairman of the Board of Trustees of Bay Medical Center, Chairman of Early Education and Care, Chairman of Goodwill Industries, and served as a high school mentor.
Scott Clemons was elected to the Florida House of Representative and served from 1990 to 1998. He also served as Mayor of Panama City from 2007 until 2011.
Scott Clemons is a graduate of the University of the South at Sewanee and Mercer law school.
He is married to the former Pat Boss and has two daughters Mary Katherine and Olivia.
Graduate at University of Central Florida, and has earned the designation as a Certified Self-Funding Specialist (CSFS).
He is an experienced employee benefits professional with over 15 years in the insurance industry. With vast involvement in two growing agencies providing marketing oversight, strategic budget planning, cost analysis, agency management solutions and overall company oversight.
Michelle Matt is a Graduate of Lake Sumter State College. She is currently an Emerald Coast Business Woman, a Board Member of Early Education & Care, and the former Treasurer of Panhandle Chapter of the Florida Trails Association.
Ken specializes in providing benefit choices to the Tallahassee and Panhandle business community. He Graduated from Furman University with a degree in Business Administration.
In 2003 Ken was appointed by Governor Jeb Bush to serve on the Governor’s Task Force on Access to Affordable Health Insurance. Ken is past President of The Florida Association of Health Underwriters. He currently serves as Vice Chair for The Florida Health Insurance Advisory Board under Insurance Commissioner David Altmaier.
6885 Belfort Oaks Place
Jacksonville, Fl 32216
Mike’s is a retired U.S. Navy Commander with 28 years of service. He graduated with distinction from the United States Naval Academy in 1990. On active duty from 1990 to 2000 Mike logged over 1,500 flight hours flying the F/A-18C Hornet Pilot and F-15C Eagle and logging over 300 aircraft carrier landings. His service includes 4 overseas deployments with the U.S. Navy and U.S. Air Force, as well as a reserve recall supporting the Global War on Terror in 2009-2010.
Mike He has earned the designation of Registered Health Underwriter (RHU) and Registered Employee Benefit Consultant (REBC).
Mike enjoys spending time with his wife Brenda and his two children Michael and Madison. Mike enjoys flying and watching movies with his family.
700 Central Avenue
St. Petersburg, FL 33701
John Stoner is a Charter Principal of FLUBA. He graduated from Florida State University in 1965 with a major in insurance. He has earned the following designations: Certified Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Master of Science – Financial Services (MSFS), and Accredited Estate Planner (AEP).
He is the former president of The Suncoast Estate Planning Council, The Pinellas County Estate Planning Council, The Suncoast Chapter of CLU, The St. Petersburg Association of Life Underwriters, The Diversified Benefits Resource Association, The St. Petersburg YMCA, The United Way Council of Presidents, and The St. Petersburg Quarterback Club.
John was on The Board of Directors of the Seminole Boosters from 1997-2001. He was the past chairman of Leadership. St. Petersburg, and the past Vice President of The St. Petersburg Chamber of Commerce.
He is a partner in The United Benefit Advisors (UBA). A Life and Qualifying Member of the Million Dollar Round Table (since 1969). He was a part of The Court of the Table in 2009 and 2010 and Top of the Table in 2011, 2012, 2013, 2014, and 2015. He is a member of The National Association of Estate Planners & Councils, The National Association of Insurance and Financial Advisors, The National Association of Health Underwriters, The Society of Financial Service Professional, and The St. Petersburg Chamber of Commerce.
Rich has worked in the employee benefit consulting and life and estate planning business for over 25 years and is proficient in all areas of group benefit programs. He is currently the CEO of K&P Consulting Group. Rich is a third generation native of Manatee County.
Rich specializes in strategic planning, benefit financing and health legislation. Rich has earned the Chartered Health Consultant (ChHC) designation and is one of less than 250 individuals in America today that holds this designation.
He is a licensed broker for Health, Life, and Variable Annuities and has the following designations: Chartered Health Consultant (ChHC), Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), and Registered Health Underwriter (RHU).
Rich is a part of The Florida Housing & Finance Authority, a chairman of The Manatee Housing & Finance Authority, and a Big Brother in Big Brothers Big Sisters of SW Florida. He was the past Chairman of The Manatee Chamber of Commerce, the past President of St. Joseph Catholic School Board, and the past President of Big Brothers Big Sisters of SW Florida.