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Ernie hails from Rock Hill, South Carolina, where he graduated from Rock Hill High School. He entered parish ministry with the United Methodist Church in 1970 while working his way through college. Nivens finished Francis Marion University, Florence, SC with a BA in English.  He then completed (along with his wife, Rosemarie) his M.Div. (Masters of Divinity) from Candler School of Theology, Emory University, Atlanta Georgia while serving a church on weekends and working part time on a General Motors assembly line. Ernie served various appointments around South Carolina until 1990. During this time, he served on two international church missions to the Fiji Islands and to Seoul, South Korea and was a church growth consultant to many churches around the United States.

Ernie retired from parish ministry in 1990 and began his career as a financial services professional. His hunger for education led him to complete his Masters of Science in Financial Services, MSFS, with the Accredited Estate Planner, AEP. He has been a very popular speaker in hundreds of meetings within the industry. Ernie has mentored hundreds of fellow agents across the country.. Ernie recently added to his accreditations the esteemed NSSA, National Social Security Advisor.

Ernie has been married to Rosemarie for 48 years. They have three daughters, Cathy, Noelle, and Emily and three sons-in-law, Kevin, Bo and Jon. They are, also, very proud grandparents of six grandchildren, Eric, Matthew, Kristin, Justin, Ryan and Browning with one more due soon..

Ernie is a prolific author. He has written many magazine and newspapers articles. He has six books published, such as:

A LIGHT IN THE DARKNESS; SOUTHERN FRIED HOPE and ERNIE’S BAKER’S DOZEN.

You may find them on:  www.inspiredbyernie.com or on www.Amazon.com.


One

Educate Yourself
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Two

Understand the Basics
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Three

Who's who in a Fixed Index Annuity
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Four

Understand the Benefits
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Five

Tax Deferral
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Six

Indexed Interest Potential
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Seven

Protection Benefits
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