Our principal of Smart Money Strategies, Fredric J. Lowe, is a registered representative and offers securities through SA Stone Wealth Management Member FINRA & SIPC. He has been an insurance producer and financial advisor for the past 43 years helping clients just like you with their financial needs. He is licensed as an insurance agent for life, accident & health, and variable contracts in Illinois, Wisconsin, Pennsylvania, Delaware, New Jersey, and Florida. He received his Certified Financial Planner ™ designation from the College for Financial Planning in 1988. To become a Certified Financial Planner ™, he took courses for two years and passed six exams covering investments, taxes and estate planning.