"So, before we jump into specific questions about the business, why don’t you give us some details about you and your story.
I began my career in financial services as an agent for Group and Individual Medical Insurance with Surf City Insurance Services, Inc. Working with individuals and business owners on something as basic as health insurance planning, I realized the impact a bad decision could have on people. I was successful and built up quite a book of clients who trusted me to understand the contracts, understand their needs, and guide them to the best fit for their needs, only using contracts I knew were sound choices.
Interacting with so many different people, I realized how even a very intelligent person could get led to less-than-perfect decisions. People get busy, people are susceptible to marketing campaigns, prospectuses may be given, but were often not clearly understood. In essence, what many people didn’t readily understand about money.
Including not understanding financial products. I always want what is in my client’s best interest. As I expanded my knowledge into full blown financial advising, especially retirement plans, I would run into folks who were closing in on retirement but they had this problem: Children getting ready to go to college. "