American families are in the worst position they have ever been in. • $21,367 is the average credit card debt per household with credit card debt (Nerd Wallet) • Only 22% of Americans nearing retirement say they have enough money to retire (Plan Sponsor) • 6.89% is the average 30-year mortgage rate. The highest level since 2008 (Bankrate) • 56% of Americans don’t have enough savings to cover a $1000 emergency (Bankrate) • 1 in 3 Americans have $0 saved for retirement (BankingRate) • 54% of upper income Americans live paycheck to paycheck (PYMNTS) • The list goes on… People need help like never before. Sadly, the financial industry often chooses to take advantage of people who do not understand. People are sold products they never understood or they never see the fees they are charged. Companies often push whatever products or accounts bring in the most profit, not what the client needs. People want to make the right decisions, but often it can feel like finding a needle in a haystack with all the misinformation. There are two ways to view this crisis. Some see a hopeless, messy, and too far-gone problem. I see greater opportunity than ever before to do what is right and build a business built on sound principals. With such a massive problem comes massive opportunity. I am determined to build a team of ambitious business owners that helps millions of families and turns the tables for the American consumer.