Changing Tides Financial LLC

About Us


Nanci Koski is a licensed life and health insurance agent and owner of CHANGING TIDES FINANCIAL LLC. She recognizes that life is about being prepared for the changing tides. Whether they are abundantly coming in, gently ebbing out, or those crazy moments when there is a rip tide; Nanci is always there for her clients, finding new solutions that will help them to create plans to protect their family and future. Her goal is to educate people about safe financial options so they are able to make knowledgeable decisions and plan for their future.


Changing Tides Financial LLC (formerly Remley Advisory Group LLC) has a solid history of helping people protect their families and plan for their future. In 2017, following Hurricane Harvey, Nanci Koski and her husband Jim moved to Rockport, Texas, to work with her father and expand the life insurance business he had started nearly 50 years ago. Nanci has worked in the financial arena for over 15 years and became the owner of Changing Tides Financial, LLC on January 1, 2019. As an independent insurance agent, she identifies the best plans and products for each client.

Giving back to her community is a core value for Nanci and she is active in the Rockport Chamber of Commerce Board of Directors, Business Builders, and Networking Group. She is also the Vice President of the Aransas County Women’s Lions Club. Nanci was an active Board Member of Keep Aransas County Beautiful, an organization that undertakes community projects. She graduated from Leadership Aransas County in 2019 and has participated in many other leadership programs over the years.

Nanci enjoys camping with her husband, hiking, biking, and visiting her kids and grandkids whenever possible.​

Family Protection


Did you know you can protect your family and save for your future with Permanent Cash Value Life Insurance?

Top 10 Reasons you may want to consider Permanent Life Insurance!

1. Tax free withdrawal of cash value

2. Cash accumulated is accessible as tax-preferred income

3. Ability to access your cash value at any time through loans or with

4. A permanent policy means you have protection for life unless you stop paying too soon.

5. Income caps are unlimited

6. Contributions are not limited

7. Ability to stop payment at a specific age if you choose

8. Help bridge the retirement gap

9. Accelerated Benefit Rider

10. Tax free death benefit for your family

Retirement Planning


We work with:

  • Implementation & Administration of various Retirement Plans
  • Individual Saving for Retirement
  • Individuals Getting Ready to Retire
  • Retirees Needing Help at Managing Retirement Assets

Do you have the answers to the four most important questions when securing your financial future and having your money last as long as you do?

1.  What rate of return do you have to earn on savings and investment dollars?

2.  How much do you need to save monthly or annually?

3.  How long will you have to work?

4.  Will you have to reduce your standard of living at retirement?

We are unique and uncommon in our approach.  We teach our clients how to be more efficient with their money.

There is more to be gained by avoiding losses than picking apparent winners.

TRS Education


All teachers we have the privilege to meet with have questions regarding their TRS.

  • When can I retire?
  • How much will I get when I retire? 
  • What if I retire before my full retirement age?
  • Can I collect Social Security in addition to my TRS?
  • If I leave teaching and cash out my TRS what are the consequences?  

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Client Testimonials


“Nanci has been extremely helpful making sure I am set for the future and helping me figure out my finances and what my best options are.”

Stacy S.


“Nanci worked with me to add additional life insurance for me. When the pandemic hit I realized that I wanted any business debt incurred would be covered…just in case. Thank you Nanci for all your help.”

Nancy B.


“Nanci is as nice and genuine as they come. She’s a GREAT financial brain to have in your team. Thank you, Nanci and Remley Advisory Group!

Christopher B.