Meet Our Team

Josh Kelley

Hi, I’m the Agency Owner. I Have A Very REAL PASSION For What I Do. I get to help people protect what they care about most…their families and the things they have worked hard to earn and achieve. I take this very seriously.

I started my business life at a very young age owning several small businesses in the Shoals Area. I have now been in the insurance industry since 2009.

At our agency, we do things very differently than most by focusing on protection and making sure everyone gets an amazing customer experience. We have a very large and experienced team in place to handle all of your insurance needs.

I serve on the Board of the NW AL Red Cross, The Shoals Chamber NextGen Board, The Salvation Army’s Echelon Board, and I am an Elder at Faith Church in Florence.

I live in Muscle Shoals with my wife and kids…My wife, Tasha, and I have been married since 2005 and we have 3 daughters…Sydney, Sadie, and Sophia.

I truly love what I do, helping people every day…If I can be of service to you, let me know. I would love to connect with you.


Skip Nichols

Skip is an Agency Partner and Leads our Benefits and Financial Teams.

Skip and his teams work with employers to develop employee retention and benefits plans that can be offered through payroll deduction, and with individual clients to assist them in growing and protecting their financial assets.

Skip lives in Muscle Shoals with his wife Ashley Morrow. They have one daughter, Abby who attends Auburn University in Montgomery and serves with the 62nd Troop Command of the Alabama Army National Guard.

When he is not working, Skip serves on the Board of Directors of the Northwest Alabama Red Cross, the Shoals Chamber of Commerce Ambassadors, & and as an Alumni Volunteer with Sigma Chi Fraternity at the University of North Alabama.


Jennifer Churchwell

Jennifer is our Office Manager.

She graduated from the University of North Alabama with a Master’s of Arts in Education in 2002. After teaching for sixteen years, she left the classroom to pursue her passion for business. With five years working in an office management position, Jennifer joined the Citadel Insurance Group as the office manager.

She is married with five children and one granddaughter. In her spare time, Jennifer enjoys stage managing local theatre productions, reading countless books, and cruising the oceans with her family.


Amy Moore

Amy is your Senior Customer Service Advisor and Licensed Agent. Amy joined our team in August 2017 but has been working with Allstate since 2012.

Amy is originally from Decatur, AL. She graduated from the University of North Alabama with a Master’s in Education. Amy is married to Frank Moore and they have five children, one granddaughter and another granddaughter on the way.

In her spare time, Amy loves attending Alabama football games, tailgating, scuba diving, reading and sewing heirloom clothing for her granddaughters.


Keisha Hanford

Keisha is a licensed agent in Alabama, Tennessee, and Mississippi. Keisha is from the Shoals Area and has lived here for 30+ years.

She is a graduate of Rogers High School, where some of her best days were spent on the basketball court. Keisha is married to Leland and together they have 6 kids ranging from 9 to 26.  Zac, our oldest is currently employed as a correctional officer and our other 5 MacKenzie, Brianna, Dyllan, Miley and Payton are still in school.

Keisha has been in the insurance business for 7 years and counting.  She specializes in people and genuinely cares about them.

In her spare time, Keisha loves attending Alabama football games (ROLL TIDE !!!), fishing, and pretty much anything that puts her out in the sunshine.


Collier Farnell

Collier is our Personal Financial Representative working with clients throughout Alabama.

In addition to assisting clients with a vast array of financial products, Collier works with employers to develop employee retention and benefits plans that can be offered through payroll deduction.

When it comes to preparing for your financial future, Collier understands that each person’s needs are unique. As an Allstate Personal Financial Representative since 2015, Collier’s ongoing priority is to help you create a financial strategy to achieve the peace of mind you deserve.