I started my insurance and financial planning career in Houston, TX, in 1985. At the time, I was working with parents who were planning for their children’s college education with insurance and planning products.

I moved to Aurora, IL, in 1987, where I worked with small business owners to protect their employees with medical insurance through the local chamber of commerce. I built my business by learning about their problems and assisting them in finding and offering solutions.

Nowadays, I have almost 40 years' worth of experience to share with my clients in the areas of retirement and income planning for business owners and their key personnel. I also assist those owners with business buy/sell agreements and succession planning. I also have experience in long-term care planning.

And with my RICP® (Retirement Income Certified Professional) designation, I am now qualified to advise retirees and near-retirees as to the best way to use the assets they have accumulated for retirement to live comfortably within a realistic budget and not run out of money prematurely.