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"Alone, we can do so little;

together we can do so much

                                                                                                                                                               Helen Keller

Who We Are

At KRS we have assembled an outstanding staff of professionals whose years of experience are matched only by their integrity and loyalty to clients.  People do business with us because they know we are a reliable partner who will work hard to help them achieve their financial goals.

Our hallmark is personalized innovation and a proven commitment to quality service.

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Ron Sellers

Registered Representative of GWN Securities

Ron Sellers established Key Retirement Solutions LLC, which provides corporate and personal insurance services, including group benefit products, retirement/401(k) programs, life insurance and annuities, estate planning and wealth preservation, business succession planning and executive benefits.  

Ron received his Bachelor of Science degree in risk management from Florida State University in 1969 and later began his career with Mass Mutual as a life insurance agent. In 1975 he formed Ron Sellers & Associates, Inc. as President and CEO. Ron is a Chartered Life Underwriter (CLU), having received his designation in 1983. He has been managing the growth and expansion of RSA, as a leading consulting firm in the areas of business retirement, group employee benefits, PEOs and business/individual life benefits, with clients across the state of Florida and the U.S.

Ron has been a qualified Million-Dollar Round Table member since 1975 and is a qualified Lifetime MDRT Member. During his years with the Boston Patriots, he was a stockbroker for Burgess & Leith, a Boston regional brokerage firm. Ron has been a frequent speaker on issues related to corporate insurance benefits, retirement plans and business succession planning.

In 2012, Ron Sellers & Associates, Inc. and The Florida Retail Federation established a joint venture, FRF Benefits, in order to deliver company retirement plans and services, payroll, HRM and employee benefits/services to the Florida Retail Federation’s 7,500 members. These products and services are attracting new Florida-based as well as members/businesses, from other states. Ron is the president & CEO of FRF Benefits.

Ron is a former member of Florida State University’s Foundation Board, and for more than twenty years, a member of FSU’s Business School Advisory Board. He was a former member of the State of Florida Chamber of Commerce Board, the Florida Petroleum Marketers & Convenience Store Association Board, a former member of the State of Florida Golf Association, a former president of Mayacoo Lakes Country Club, a former Chairman of the Melanoma Golf Tournament in 2010 and 2011, a member of the Country Club of Mirasol, Palm Beach Gardens, Florida, a member of the University Center Club, Tallahassee, Florida and a member of the Breakers, of Palm Beach Florida.

Football Career

Ron was a Consensus All-America football player at FSU, 1967-1968. Ron still holds 17 receiving and scoring records at FSU- including five touchdowns against Wake Forest and was named “National Football Player of the Week” by Sports Illustrated in 1967. He was the #1 draft pick for the Boston Patriots in 1969. He was traded in 1972 to the Dallas Cowboys, where he caught the winning TD from Roger Staubach to beat the San Francisco 49ers in a playoff game. Ron finished his career with the Miami Dolphins where as Super Bowl Champions, Miami and Ron won Super Bowl VIII against the Minnesota Vikings.

Ron has been inducted into 10 Sports Hall of Fames and was FSU’s first football player to be inducted into the National College Football Hall of Fame (1987).  Ron was honored to be inducted into the Hall of Fame in all three post season bowl games during his career at FSU – the Gator Bowl, Peach Bowl and Sun Bowl.

In 2007, Ron was honored by being named to The State of Florida’s “100 Greatest High School Football Players in Florida History.”

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Mark Horevitz


Mark Horevitz officially joined Key Retirement Solutions in November 2020 after working with Ron Sellers and Key Retirement Solutions in an advisor role since 2013.

Mark, originally from Chicago, Illinois graduated from Eastern Illinois University with a Bachelor of Science degree in Marketing.  Mark earned his Insurance and Securities licenses in 1982 and his Certified Financial Planner designation in 1998.  Mark began his career working at a Third-Party Administrator company before moving to South Florida where he managed and later became a partner of a National TPA firm.   In 2015, Mark left the National firm when he purchased its Florida operation and has been the President and owner of Florida Actuarial since that time.

Mark is married with 2 sons and a daughter, played rugby since high school, and still enjoys playing today.

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Julie Bussey

Registered Representative of GWN Securities

Julie joined Key Retirement Solutions in February, 2009 as a senior account executive and began her career in 1996 as an internal wholesaler of the international division of Franklin Templeton in St. Petersburg, Florida. She is an investment broker having worked with the international private banking business in developing strategic alliances to offshore business professionals in Argentina, Uruguay and Chile. She also provided investment advice to affluent and high-net-worth clients (both domestic and non-resident.) Her background includes extensive experience in the group benefit arena specializing in a full range of employee benefits sales in the medium to large markets for both U.S. and international accounts.

She has successfully completed the FINRA examinations and is a Registered Representative of GWN Securities Inc., a broker/dealer. Julie is also life, health and annuity licensed in the State of Florida.  Julie graduated with a BA in Spanish from the University of South Florida in 1983 and is an experienced international equestrian and a World Class/All American Masters/Collegiate Swimmer. Julie lived in Argentina from 1983 to 1993.

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Julie Denmon

Administrative Officer

Julie Denmon joined Key Retirement Solutions in 2001 and currently serves as its  Administrative Officer.   Julie began her insurance career with Fidelity Mutual Life Insurance Company in the life and annuity new business division and went on to become the Operations and Compliance Manager for a division of Sagemark Consulting, a national securities, and financial planning firm.  Ms. Denmon has over 39 years of progressive experience in the life, health, and financial planning disciplines serving in operations, human resources, securities compliance, retirement planning, and life sales.  Ms. Denmon holds a 215 license and a Long Term Care Professional designation.  She also earned her Human Resources Certification from Villanova University.  

Before starting her career in the insurance industry, Ms. Denmon served in the United States Air Force in Alaska where she was named Airman of the Year for two consecutive years and awarded two commendation medals.  She currently lives in Orlando, Florida.  

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Debra Diomede

Sr. Executive Assistant

Debra Diomede is a seasoned Executive Assistant with over 25 years in the field.

Debra joined Key Retirement Solutions in 2013 as senior executive assistant to Mr.  Ronald Sellers, President & CEO.  Ms. Diomede began her professional career in finance and accounting within divisions of Chrysler Financial.  She then moved from Massachusetts to Florida and continued her career in finance and life insurance. She holds a 215 license for life, health and variable annuity in the State of Florida.  In addition to her duties as an executive assistant, Debra is also active in many organizations in her community.  Additionally, she volunteers her time at Nala’s New Life Rescue, a no kill organization by providing her time caring and fostering for the dogs.