Over thirty years experience in employee benefits, first as a career agent for a major mutual insurance company, and for the past twenty-five years as a founding partner and principal in a San Antonio based independent agency, M A R Insurance Group.Am now engaged in a project to restructure the agency and refocus its market in light of the sweeping effects of PPACA.Ultimately, my goal is to devote more time to public speaking and complete a book about my experience in the financial services industry tentatively entitled "Financial Meltdown a View From the Cheap Seats."Specialties: Personal financial planning, employee benefit communication, life insurance maximization.