Our Team


Kathryn Grimco

President, Owner

Kathryn has been active in the insurance services business for over fifteen years and is recognized as an accomplished leader within the industry. After spending several years working with other firms, she and Co-Founder Todd Miller wanted to establish a company that put the clients’ needs before the bottom line. Throughout her career, Kathryn has been awarded multiple achievement awards including Outstanding Producer awards and the Premier Status Producers award from several A-rated insurance companies. Although she enjoys the success she has realized throughout her career, one of her greatest joys comes from being a grandmother and spending quality time with her family. Kathryn was born and raised in Iowa and has been an Arizona resident since 1994.

Carole Miller

Director of Operations, Owner

Carole joined First Guaranty Financial in May of 2007, and has over twenty-five years of business management experience. Her in-depth knowledge of business operations and extensive background in business administration has been instrumental in the development and focus of the company. Prior to joining the First Guaranty Financial team, Carole worked as an Administrative Consultant with her own firm, and was in the Real Estate Investment & Management and Corporate Housing industries. She has held positions as a Business Consultant, Vice-President and Designated Broker for national Real Estate Investment firms, and District Manager with an International Corporate Housing company overseeing operations in Arizona and New Mexico. Carole holds a B.S. with honors in Business Administration from the W. P. Carey School of Business, Arizona State University. She is an Iowa native and moved to Arizona in 1985 where she and her husband, Todd, raised their two children.


Dennis Miller

Branch Owner – Las Vegas

Dennis has been involved in various aspects of the financial industry since 1983. After receiving his Bachelor’s degree in Business Management with minors in Accounting and Finance in 1979, Dennis became a member of the Chicago Board of Trade. There he traded U.S. 30-Year Treasury Bonds for 14 years in the largest, most actively traded financial “pit” in the history of financial futures. The majority of what Dennis recommends to his clients today is insured, which helps them achieve their retirement goals. Dennis’ son graduated Summa Cum Laude from Arizona State University, W.P. Carey School of Business and Barrett Honors College, and is now an analyst for a trading company. His daughter graduated Summa Cum Laude as well from the University of Arizona, and is enjoying life before returning to school to work on a Masters degree.


Rodger Miller

Branch Manager – Prescott

Rodger joined the First Guaranty Financial team in 2007 and has been an intricate part of the company’s growth in Northern Arizona. He has spent over forty years as a business owner and has an extensive background in marketing, business management, and sales training. As Branch Manager, Rodger specializes in helping clients achieve their financial goals and meet their income needs while keeping their money protected. He also understands the importance of placing clients’ needs first, which is why he has established a mutual respect with his clients. During his tenure, Rodger has been recognized with multiple Client Quality Service awards, is a member of the Million Dollar Round Table, and is a Premier Status producer with nationally recognized insurance companies. Rodger and his wife are both Iowa natives and moved to Arizona 1986.

Christine McCafferty

Account Manager – Prescott

For over 30 years, Christine has been assisting clients with retirement plans, and believes that every single client has specific objectives that should be indentified when helping them as an individual or with their business. She does not believe in a “one size fits all” approach, and takes the time to find out each client’s goals and needs. Christine also believes clients come first and works toward doing the right thing, and doing it right the first time. She prides herself in superior account management and is dedicated to providing unparalleled client service. “I take clients where I find them”, meaning extremely conservative clients’ need a selection of conservative choices. Christine is extremely proud to be serving clients in families for fourth and fifth generations, and has helped them from retirement income accounts to setting up college accounts for newborns. Early in her career, Christine worked in the research department of General Motors Proving Grounds in Milford, Michigan, and she has incorporated her research analyst skills into providing clients with well thought-out, personally tailored retirement income plans.

Christine moved to Prescott Arizona from Michigan with her husband Tim Roberts, the Chief Information Officer at the Yavapai Regional Medical Center. In her free time, she enjoys being involved in community service. She supports animal rescue shelters, homeless shelters and is an active member of Big Brothers Big Sisters.


Joel Roper

Senior Account Representative

Joel has dedicated his many years of customer relations experience to the First Guaranty Financial team, and has successfully transitioned his top-notch customer service and sales skills into being a leading Account Representative with the company. Joel is a multimillion dollar producer for the firm and has greatly contributed to the company’s ongoing success. Joel is a Missouri native but has been enjoying the Arizona sunshine since 1997. When he is not assisting customers with their financial needs he appreciates the outdoors and likes to hike and camp as well as loves to snorkel or scuba dive whenever he gets the chance. Joel also enjoys spending time with family and friends or just relaxing with a good book to read.


Bill Lowek

Account Representative

In 1986 Bill traded his career in Research and Development with Ford Motor Company for the opportunity to assist with the insurance and financial needs of the great people of southeastern Michigan. After 58 years of Great Lakes living he and his wife Becky left behind their snow shovel to enjoy the sunshine and warmer weather. In 2010 Bill brought his years of experience to the First Guaranty Financial team where he quickly established himself as a first-rate customer oriented Account Representative. His customer first approach has allowed him to gain a mutual trust with his clients, and the opportunity to assist them with plans that will help them achieve their short and long term financial goals.