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Lloyd Bertine 

Senior Pastor

Pastor Lloyd and his wife Nancy started Gulf to Lake Church on January 1st, 1995 with 12 people in attendance at their home. Three weeks later they had the first service to the community in a rented Banquet Hall in Meadowcrest and 192 people showed up. God has had His hand on the ministry from day one. Pastor Lloyd began as a Senior Pastor in April of 1981 in Colorado, but Crystal River is his home town. He has a D. Min. degree but will tell you that the best training was starting a church from scratch and making a lot of mistakes that was "covered" by the grace and mercy of God.


Steve Phillips

Associate Pastor 

Pastor Steve was born in Jacksonville, Florida. He married his high school sweetheart, Laura. They have 2 boys, Christian and Cason. He graduated from the Baptist College of Florida with a BA in Christian Education in 2002. In 2008 he received a Master of Arts Leadership Degree from Liberty Theological Seminary. After serving at Gulf to Lake for 10 years as the Youth Pastor, he moved into the Associate Pastor Role in 2019. He continues to serve Gulf to Lake Church with joy and cannot wait to see what God has in store for Gulf to Lake Church. 


Nancy Bertine

Minister of Music/Worship

Nancy was born in Columbus, Ohio and has been a resident of Florida for over 30 years. She is the wife of the Senior Pastor and co-founder of Gulf to Lake Church. Nancy has a Bachelor of Music Education & Performance and has been in Full-time Music Ministry for over 30 years. Her scripture to live by is “Trust in the Lord with all your heart, do not depend on your own understanding. Seek his will in all you do, and he will show you which path to take!” (Prov. 3:5-6)


Richard Denson

Youth Pastor

Richard was born Jackson MS. He been serving in student ministry since 2011 in Alabama, Mississippi and Florida. He graduated from the Baptist College of Florida with a bachelors in Ministry Studies and will complete his Masters in Theological Studies from Southwestern Baptist Theological Seminary in 2025.  Richard has been married to his wife Kirstie Denson since 2012 and they have 3 children. (Serena, Elijah, and Luke) Richard loves everything sports related. He has a passion for students and families to change, due to the changing power of the Gospel of Jesus Christ!! 


Kerri Riemer 

Children's Ministry Director

Kerri currently serves as the Children’s Director at Gulf To Lake Church. She has been on staff with Gulf to Lake Church since 2005. Born in Wisconsin, she received her degree in Administration.  She is married to Jeff and has three children. She is privileged to coordinate Gulf To Lake Church Nursery, Pre-School, and Children’s Ministry. Creativity is her specialty! Loving children is her passion!


Chris Hope

Sports and Recreation Minister

Chris was born in Charlotte, North Carolina. He has been a Floridian since age 13 and has a background in the financial industry. He has served as a volunteer leader for Gulf To Lake Church for many years and has been on staff with Gulf to Lake Church since 2010 as our Recreation Pastor. His passion is in directing and leading sports and recreation for all ages and now serves on Staff as the Director of Sports and Recreation.  He is married to Kelli and has three children.


Nicole Brown

Family Care Minister

Nicole was born in Barberton, Ohio and moved with her husband Erec to Citrus County over 20 years ago. Nicole has a degree and background in Early Childhood Education. She has 5 children and two grandchildren. Nicole looks forward to using her compassion for people

to serve Gulf To Lake Church.

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Kelli Hope  

Kelli and her husband Chris and 3 children, Andrew, Mitchell & Alyssa have attended GTLC since 2005.  In 2013, Kelli joined the staff at GTLC with her financial background and has enjoyed serving in the Kingdom of God utilizing her gifts and talents to serve the congregation.


Cyndi Yahn 

Music Ministry Assistant

Cyndi started at GTLC in 2022. She earned her B.S. in Psychology, and completed 69 graduate hours in Counseling Psychology and Addictions.

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Donna Lanier

Nursery Director

Donna has been with Gulf to Lake Church for many years and loves taking care of our babies here at Gulf to Lake Church. 


Tracy Paul


Tracy was born and raised in Florida. He does it all and loves serving his church. 


Laura Phillips


Laura was born and raise in Jacksonville. She is married to Pastor Steve and has two wonderful boys. She loves to sing and loves to serve people.  She joined our GTLC staff in 2016.

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Lorraine Heymer

Born and raised in New Jersey.  Moved to Florida in 2011. Joined the staff of GTLC in 2016.


Mette Ehrhardt

Mette has lived in Inverness, Florida since July of 2020. She is  married and has three children.  She has an AA in accounting.  She truly enjoys working at Gulf To Lake Church. 


Walter Stewart

Sports and Recreation Assistant

Born in Georgetown, Guyana, Walter has been a part time resident for the past 10 years in Crystal River moving here permanently in 2023. He is a former All league football player and All state top 48 Basketball player. He played division 1 basketball at Columbia University.  Prior to Joining Gulf to Lake church Walter spent most of his career in the financial industry.


David Robertson

Audio Engineer

David is the best sound guy in the county. He loves the Lord and loves serving the church. 

Council Members (Elders)

Board of Trustees


Lloyd Bertine 

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Wayne Burns 


Glen Cook


Frank Laga


Terry Lanier


Ray New


Jonny North


Roger Coffey


Mike Duncan 


Max Logan 


Randy Love


Fran McCalla 


Stuart Redrick 


Sally Wade

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