The investment climate has never been more exciting or more challenging than it is today. To take advantage of all available opportunities, investors need two things: an understanding of which investment products are most appropriate for their situation and a relationship with a trustworthy representative who has a clear understanding of their needs. By keeping clients’ objectives in focus, staying in contact with them throughout all market conditions and making investment adjustments as economic or lifestyle conditions warrant, I maintain a constant commitment to putting service first. As a full-service financial consultant, I offer clients an assortment of quality, non-proprietary investment choices. My products and services include: Retirement planning - to design an investment strategy to help you address all of your retirement goals Estate planning - for preservation of wealth from generation to generation Life insurance - providing financial protection for your loved ones Pension & 401(k) Rollover Planning & Account Management Term, Whole and Variable Life Insurance & Estate Planning College Planning-give your kids a good head start