I am reminded that I do four things every day: 1. I turn on my lights. 2. I use my telephone. 3. I put gas in my car. 4. I buy food. It does not matter what the stock market is doing. These are the things we are all doing, every day. And this is where we need to invest.

helping them understand that there are, and should be, as many layers to their financial portfolio as they can build. The goal is to have different sources of funds to spend as they see fit.

life insurance as the first step. Knowing that funds will be available to fulfill one's obligations is just one step in the process.

after 30 years in the financial services industry, the opportunity to work with multiple generations within the families that allow me to provide services.

worked in the insurance and banking worlds. I learned that having clients is something you earn. I am profoundly grateful for the relationships that I have today and the years of service I have been able to provide.