About Us

Ronny H. Hair has over 30 years experience in the financial services industry, the past 20 years of which he has spent advising clients with retirement and investment plans right here in the Central and Lowcountry South Carolina and surrounding areas. As a seasoned and experienced advisor, Ronny treats every meeting and recommendation as if that client were his own family. He takes pride in the fact that most of his clients come from personal referrals. Ronny formed and managed “Members Financial Services” the investment department of SRP Federal Credit Union for over a decade, before opening his private practice over fifteen years ago. He holds insurance licenses in South Carolina and Georgia and is licensed as an Investment Advisor Representative (Series 65). His goal is protecting hard-earned assets and helping clients to achieve a lifetime of financial security for themselves and potentially multiple generations.

He has served on the hospital board of trustees from January 2000 to January 2009 and Board Chairman from the years 2001 to 2007. He uses strategies with proven results and communicates in simple, easy to understand terms. “Safety of principal and protecting assets from fluctuations are important guiding concepts I consider before making a recommendation.”

“When retirement income is on your mind, it’s not just the amount of income, but the safety of it as well that matters.”

Strategic Partners

Palmetto Retirement Specialists, LLC works with various third-party money managers. One of our strategic alliances is with Gradient Investments, LLC (GI). GI is an SEC-registered investment advisor firm offering clients over 20 proprietary portfolios. Portfolios are managed by their President Michael Binger, CFA.

Michael Binger
CFA®, PRESIDENT OF
GRADIENT INVESTMENTS, LLC

As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.

Keith Gangl
CFA®, SENIOR PORTFOLIO MANAGER
GRADIENT INVESTMENTS, LLC

Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, managed a Lipper Award-winning mutual fund, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.

Kyle Bergacker
CFA®, PORTFOLIO MANAGER
GRADIENT INVESTMENTS, LLC

Kyle joined Gradient Investments in 2025 and has more than 15 years of financial services experience. Prior roles include portfolio manager with a couple of large international institutional asset management firms, also was an advisor with a retail wealth advisory firm. Kyle has developed experience with financial advice, asset allocation, and investment analysis across the asset spectrum. He is a CFA® charter holder and has appeared on the Schwab network.

This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC. Endorsing investment advisor is also a client of Gradient Investments, LLC.