I was licensed in Ohio in 1974 and have been licensed in Florida since 1986 with never a professional complaint or legal issue. Having built in Ohio one of the nation's's largest independent personal-lines agencies, I easily passed FINRA'S Series-65 examination. Following serveral interviews, rather than affiliate with a Registered Investment Advisor in Florida, I decided years ago to select my own professional legal and accounting affiliates and to remain independent. I do not sell stocks, bonds, or mutual funds, nor do I provide advice on investing in the stock-market. My goal is simple: to accurately illustrate and add safe and secure financial products to the portion of one's retirement portfolio that only increase its invalue. Not subject to market volatility (never going backward) we recommend using one or more highly rated deferred annuities to provide the bedrock of one's longer-term portfolio, regardless of decisions that informed persons choose to make in purchasing higher risk (potentially higher yielding) investments. I do not sell cash-value ("investment") types of life-insurance. If you presently own Universal Life-Insurance see the last five references listed in my book's Bibliography. I offer suggestions based on when you bought it, as well as alternatives to other "investment-type" life-insurance policies. MOVE YOUR MONEY OUT OF BANKS Leave only enough in a checking (debit-card) account to conveniently pay ongoing bills. After chatting by phone we can, if you wish, sit down together and discuss your interests and those of your family, without sales hype. I prefer meeting face-to-face in lieu of "remote" (computer-based) contacts unless we are more than fifty miles apart. THE SEQUENCE OF RETURNS (valuable information) THE FIXED DEFERRED ANNUITY The page linked to above contains my general explanation of this often confusing, but very important financial product. These important financial products, backed by billions of dollars of corporate assets, may be poorly understood by responsible savers and investors concerned about their personal retirement, their familys' security, and any generational legacy they may be planning to leave for others. One reason for a lack of information, or even misinformation, stems from the safety and value of annuities having been overlooked by certain financial sales persons who, directed by their managing stock-broker, are required to sell specific "equities".. The irony is that, during market "adjustments" (cyclical declines) when selling stocks may be difficult, they often tout annuities to maintain their own commission incomes despite the fact that placing customers' assets into long-term SAFE positions jeopardizes their future ability to move clients' money in and out of commissionable investments. By defeating market volatility, annuities eliminate the potentially hugely financially destructive Sequence of Returns problem. Universal Life Insurance There is a MAJOR ISSUE faced by millions of Americans today who are or have been paying money into this hybrid financial product. They are likely to be unaware of an undisclosed financial opportunity and the appropriate action to take. Call me for information. More about Universal Life Insurance If owned, do not lapse it or "surrender" it to any life insurance company. Call me after reviewing the last five items in my updated now online book's bibliography. Guaranteed-issue Life-Insurance You might be pleasantly surprised and interested in this logical financial opportunity regardless of your current age or health. Single-payment and flexible-payment fixed (and market-indexed) top-rated DEFERRED annuities. These are important products that require accurate explanations, not corporate hype. If you want help in obtaining a functional Revocable Living Trust, or would like to have an existing trust reviewed professionally (something that I strongly recommend), I can refer you to an affiliated Florida licensed estate planning attorney. If your legal residence is outside of Florida, I ought to be able to refer you to one in your home state. From 2004 until 2008, the year in which much financial damage occurred, I and Sherri, my assistant, introducted and marketed reverse mortgages throughout Florida. We trained and appointed licensed mortgage brokers on how to use HUD's Home Equity Conversion Mortgage appropriately, creating secure lifetime financial positions for many previously "hopelessly" struggling senior homeowners. Pride in hugely benefiting customers far outweighs, for ethical sales persons, any earned financial compensation.