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I came in the the financial services at the the onset of unprecedented change,nearly forty years ago. I saw the rise and fall of great companies, new innovation in products. Unlike new people entering the business today, I have the advantage of learning, studying and applying concepts and products through years of practical experience. With a new practitioner today, it's nearly impossible to learn the broad landscape of the financial services business. This has given me an awareness to the complex problems facing my client's financial affairs today. Even more so the daunting task of securing peace of mind in the retirement years.

My Mission

Dedicated to taking complex issues with regard to the risks of; living too long, dying too soon, catastrophic loss of life, property, and presenting them in understandable concepts to clients. Thus empowering people to making decisions to best protect themselves and their families.