Where Timeless Values Meet Modern Strategies
At Forthright Retirement Solutions, we believe your financial life should be built like a well-structured home, starting with a solid foundation and supported by thoughtful design. It takes more than just numbers; it takes a clear philosophy. That's why we use a collaborative, team-based approach rooted in integrity and personal attention, while embracing innovative strategies to meet today's evolving challenges.
Because no two retirement journeys are the same, we move beyond one-size-fits-all solutions. Instead, we provide proactive, personalized guidance tailored to your unique goals. By combining experience, insight, and a commitment to doing what's right, we keep you on a path toward a retirement that is both secure and purpose-driven.
Ashley Gartner
Director of Client Relations
Ashley is dedicated to creating a seamless and personalized experience for every client. She oversees client communication, onboarding, and ongoing support, ensuring that each interaction reflects the firm’s commitment to care, trust, and long-term relationships.
Known for her attention to detail and genuine compassion, Ashley helps clients feel confident, informed, and supported every step of the way.
Outside of the office, Ashley is a proud wife and mother of two daughters, who are the center of her world. Her strong Christian faith is an important part of her life and influences the way she serves others with integrity and care. She enjoys spending quality time with her family, cooking meals for loved ones, staying active through hot Pilates, and dedicating time to volunteering at her daughters’ schools.
Julie Kovacevich
Managing Partner/Co-Founder
With over 15 years of experience in the insurance industry, Julie is passionate about helping individuals navigate their Medicare options with confidence and clarity. She takes pride in offering personalized guidance, helping clients choose coverage that fits their healthcare needs, lifestyle, and budget.
Julie is the co-owner of Forthright Retirement Solutions with her husband, Ted, where they have built a family-owned business centered on trust, service, and long-term relationships. She was recognized as a Top Broker in 2019, 2020 & 2023 for her dedication, expertise, and service to clients.
In addition to Medicare Supplements and Medicare Advantage plans, Julie also helps clients with Life Insurance, Final Expense, Long Term Care solutions, and ancillary products that help cover the gaps where Medicare leaves off.
A wife, mother of three daughters, and proud grandmother of six, Julie treasures time with family. Outside the office, she enjoys boating at Lake Mead, beach getaways, cooking, reading, fitness, and quiet time to recharge.
Julie's goal is simple: to make Medicare easier to understand while providing the kind of personal care and attention clients deserve.
NOTE: Julie Kovacevich is not associated with Newbridge or NFSG.
Ted Kovacevich
Managing Partner/Co-Founder
Ted Kovacevich specializes in savings and income solutions for clients all throughout the Southwest. His client solutions are focused on growing, protecting and preserving assets for his clients. The structure for all of Ted's advice & planning options are based on a forthright foundation of over 30 years experience. After college & starting his family, Ted started his career with The Hartford and for the next 17 years developed a style of trust and understanding that all of his clients immediately appreciate. After leaving The Hartford in early 2011, Ted and his wife Julie embarked on their own and started Forthright Retirement Solutions.
Ted has been married to his high school sweetheart, Julie, since 1991. Ted has three daughters and six grandchildren. He is a proudly dedicated coach and mentor to all of them. When not working with clients, Ted can be found mountain biking, off roading, chasing sunsets & simply being outdoors with family making memories and living life to the fullest.
NFSG Headquarters
NFSG is an independent wealth management firm headquartered in Boca Raton, serving clients nationwide. The firm was built on the belief that experienced, independent financial advisors — given the right tools, support, and freedom — deliver better outcomes for the people who trust them.
