Anthony D. Miller, MBA, MSFS, CFP ® CLU®, ChFC®, LUTCF®, AEP®, REBC®, CASL®, RICP®

Anthony has helped clients achieve their financial, business and estate planning goals since 1991. He is a teacher and a high achiever among his peers and in his community.

In his spare time, Anthony teaches Finance and Investments as an Adjunct Professor at Rocky Mountain College. He is also active with many non-profit organizations ranging from the Boy Scouts of America to the Montana 4x4 Association, and among several churches in his community.

Anthony completed a Master of Business Administration degree, with an emphasis in Finance from the University of Utah, and a Master of Financial Services degree from The American College. He also completed a Bachelor of Arts in Spanish, Summa Cum Laude, with a Minor in English, from Utah State University.

Anthony’s professional designations include Certified Financial PlannerTM (CFP®), Chartered Financial Consultant (ChFC®), Retirement Income Certified Professional (RICP®), Chartered Advisor in Senior Living (CASL®), Registered Employee Benefit Consultant (REBC®), Chartered Life Underwriter (CLU®), Life Underwriter Training Council Fellow (LUTCF), and AEP®. He also holds FINRA Series 7 (General Securities Representative) and 65 (Investment Adviser Representative) licenses, and State Life & Health Insurance & Variable Contract licenses.

Anthony is a member of the Society of Financial Service Professionals (SFSP), National Association of Insurance and Financial Advisors (NAIFA), National Association of Estate Planners & Councils (NAEPC), and the Million Dollar Round Table.

Anthony has qualified for membership in the Million Dollar Round Table, The Premier Association of Financial Professionals, for 17 years, including 2 Top of the Table and 10 Court of the Table—placing him among the top financial professionals in the industry.

Anthony is married to Susan, and they have two children, Nelson and Rachel.


Michelle (Shelly) Gams CLU®, ChFC®, CASL®, CFP®

Shelly Gams is a country girl at heart who grew up in Cowley, Wyoming on a Texas Longhorn Ranch with her parents and two older brothers. There she learned to ride horses and four wheelers and grew to love the open spaces of the West.

She graduated from the University of Wyoming with a degree in Business Administration and a minor in Psychology.

Shelly has many professional designations including Certified Financial Planner (CFP®). She is authorized to offer AARP endorsed life insurance and lifetime income annuity products to AARP members through New York Life.

She is the first agent in Montana to receive her certification in the Macro Asset Perspective® (MAP) program. MAP is a wealth accumulation strategy that encompasses principles of asset allocation relative to risk tolerance, and tax treatments1. MAP is a strategy that helps to potentially maximize future net retirement income.

She has more than 18 years’ of extensive experience in the financial services business. Her specialty is income distribution planning. Her practice focuses on retirement, financial, small business planning and estate planning, and life and long term care insurance. She helps her clients retire with confidence and simplify their financial lives.

She has written financial articles for the Billings Gazette and Yellowstone Valley Woman’s magazine.

Shelly lives in Billings, MT with her husband, Mike.


1 Shelly Gams does not provide tax or accounting advice. Please consult your tax adviser regarding your particular situation.


Joseph (Justin) Dowler

Joseph (Justin) Dowler has successfully helped clients with retirement planning, income distribution, wealth preservation and estate planning for more than nine years. He joined Retirement Solutions in 2009.

Justin completed a Bachelor’s of Science degree in Communications from the University of Wyoming. He holds FINRA Series 6 (Investment Company/Variable Contracts Products Representative) and 63 (Uniform Securities Agent State Law Examination) licenses, State Life & Health Insurance & Variable Contract licenses.

He is also a member of the National Association of Insurance and Financial Advisors (NAIFA).

Justin enjoys coaching youth sports and spending time with his 4 sons.


Paul Dunphy, CFP®

Paul began helping clients with financial planning, investments and insurance in 1989. Financial Planning is his passion and his emphasis here on the Retirement Solutions team.

He is an Investment Adviser Representative with Eagle Strategies LLC, a Registered Investment Adviser, and a Registered Representative with NYLIFE Securities LLC.

Paul graduated from Stanford University with a bachelor’s degree in mechanical engineering. His engineering skills of planning, process and analysis are effectively carried through to help our clients here at Retirement Solutions. He has earned the CERTIFIED FINANCIAL PLANNERTM (CFP®) designation.

Paul has lived in Billings, Montana for 22 years and has three adult daughters, Molly (husband Brett), Emily and Maggie. He is a member of the local chapter of the National Association of Insurance and Financial Advisors.


Adam Gross

Whenever I tell people that my official title is a Financial Services Professional, I am met with either a blank stare, or the question, “What does that entail?” Let’s clear that up once and for all.

I sit down and talk with people just like you to learn about your goals and dreams. I then help make sure that the financial part of things are taken care of. It’s as simple as that. My goal is to be able to help as many people succeed while I spend time enjoying the community with my wife Brit and our daughter Reagan; we want to give back and enjoy life in the Last Best Place!

The IF Factor

You work hard, and you deserve to be on the path to financial freedom. Your goals are my priorities and I’m not here to push something that you don’t want; I’m here to help you. But there is a big problem facing many Americans. It’s the IF Factor.

No, that’s not the “what if’s” but it stands for Income Flow. And there are three “No Longers” that can happen to that Income Flow.

No Longer Around – What happens if you die and you’re no longer around to provide that income flow? Are your final affairs in order? Is your family provided for? Will your legacy be left the way you want it?

No Longer Able – What happens if you are no longer able to provide an income? How will the bills be paid? How will you feed yourself and your family? Will you be able to keep the house? Will your retirement be funded?

No Longer Willing – Retirement means different things to different people, but usually it involves not being required to work for a living. Are your retirement goals on track? Will you be able to quit your job when you are no longer willing to work? What can you do if you’re not on track?

If any of these “No Longers” caused you concern or doubt, then you know why I am here!

I am here to serve you, empower you, and to help you. As my client I expect you to take ownership of your goals and your plan, and I expect you to want this even more than I want it for you!

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