After being a financial advisor for 29 years , helping individuals save and invest for their future, I have developed a unique perspective about our retirement years. Most of my clients have become dear friends. I have had the pleasure of seeing these friends save for retirement, live through their retirement years and some unfortunately have died during our time together. Since I talk to these people very often I can remind them of their plans and goals resulting in an experience with little or no financial regrets. In nearly every household I have gotten to know much of these folk's family trees and am able to extend the same type of sevice for their individual financial goals and aspirations. CRPCand Chartered Retirement Planning Counselor SM are registered service marks of the College for Financial Planning. 