With over 20 years of experience, I am committed to identifying and resolving problems for clients in the Healthcare and Financial Wellness Benefits. I provide access tools and education to make efficient financial decision. The cost of Healthcare reduces access to care, contributes to bankruptcy and depleted retirement savings. We work with individuals and groups to mitigate these issues. We are dedicated to solving problems through common sense solutions.• We identify the health and wealth problems• We provide client focused information needed to make informed decisions.• We guide clients in choosing the most efficient available option to meet their needs.• We minimize the negative impact on current and future living standards.• We deliver proven concepts to help our clients use their money efficiently.• We believe that transferring risk should be a priority.THE HEALTH PROBLEM • Cancer: 1,735,350 New Cases in 2018• Heart Attack: Every 40 seconds an American has a heart Attack.• Stroke: Every 40 seconds an American has a stroke.• Chronic Illness: 92% of older adults have at least one chronic disease.THE MONEY PROBLEM• Social Security: 74% of Millennials think Social Security will not be an option for them.• Retirement: Millennials will need $1.8 million in savings to maintain their current lifestyle in retirement.• Inflation: New home prices have gone up 546% since the 1980’s• Living Too Long: 1 in 4 Americans age 65 will live pass the age of 90 and can exhaust retirement incomeAll these problems can be solved utilizing the concepts and products we advocate. Eliminate the financial worry of Living Too Long, Getting Sick or Dying Too Soon. Some of the strategies we teach:• How to transfer debt into wealth.• How to ensure your family’s quality of life.• How to mitigate your health and financial concerns