As a vetted expert regarding federal employee retirement benefits, I enjoy working with federal employees and the population at large and help them to understand their retirement benefits. 

Preparing individuals for financial life before and after retirement, and addressing their questions and concerns are my areas of expertise. 

I started working with annuity products in 1989, and found them to be very helpful for individuals wanting to accumulate wealth and plan for retirement. 

Having over 40 years of experience in retail banking, commercial banking, and in insurance, I have found that using my financial background and knowledge to be a positive influence for individuals preparing for or already in retirement.