APP Financial & Insurance Solutions, Inc. brings over 30 years of combined experience in the insurance, funeral and cemetery industry.  Nancy Kremin, President and founder has provided key leadership in sales, marketing and operations for industry leading cemetery and funeral firms in Southern California and is considered one of the top funeral insurance sales producers and educational trainer to both consumers and industry professionals.  Her passion for helping people has been the underlying foundation to her success and sharing valuable information with consumers to help them plan in advance.

Teresa Manzetti, CFO has worked both in the insurance and funeral and cemetery industry for over 15 years.  Teresa served as the Executive Director of a large alternative health care practice and brings a high level of business and customer service experience to our clients.  Teresa has assisted thousands of families in planning for the future and is truly caring and compasssionate. She provides consulting services for us in Arizona and is our agent of record.

Our Business

Since leaving Forest Lawn in 2005 Mrs. Kremin has provided consulting services to the funeral and cemetery industry. Her insurance agency to provides creative planning solutions for families.  As regional managers Teresa and Nancy created one of the most dynamic planning forces in the country.  Mrs. Kremin was hired to develop and launch Forest Lawn's funeral planning program in 2001.

We look forward to helping you and joining the millions of people who are "Prepared".

Nancy Kremin, President                     CA Insurance Lic# 0B52642      Southern California Region              (818) 472-2790 Cell nancy@advanceplanningpros.com

Teresa Manzetti, CFO                          AZ Insurance Lic# 881996          Arizona Region                                    (480) 291-3320 Cell terri@advanceplanningpros.com