The Memphis Business Journal's full page article in July 26, 2009's edition:~Estate planner, Financial adviser, MassMutual Financial Group~Business philosophy: Provide clients with good, knowledgeable and efficient service.Best way to keep competitive edge: Keeping up-to-date on estate and tax Issues; remaining current on issues that affect my clients.Guiding principle: Recommend to clients any course of action that I would take if it were my own money:Yardstick of success: Delivering checks to surviving family members.Goal yet to be achieved: Dancing with my 4-year-old granddaughter at her wedding.~Judgment Calls~Best business decision: Affiliating with MassMutual Financial Group. Worst business decision: Not forming a partnership early in my career.Toughest business decision: Leaving a six-figure salary to go into business for myself and starting from scratch.Biggest missed opportunity: Not purchasing a piece of property on Colonial at Spottswood years ago when I could have gotten it at a bargain price.Mentor: The late Lester Rosen, CLU. He encouraged and advised me to go into business for myself. He was a leader in the insurance industry.Word that best describes you: Enthusiastic~Randy Flatt is a Chartered life Underwriter and Accredited Estate Planner affiliated with MassMutual Financial Group.~ He is past president of the Memphis Life Underwriters Association and past president of the Memphis chapter of the Society of financial Service Professionals. He is a member of the Estate Planning Council of Memphis. Before a career in insurance and investment, Flatt worked in construction as an iron worker. One of his most notable projects was being involved in the construction of the Hernando DeSoto Bridge in the early 1970s. Background: I started my career in construction, building bridges and buildings. Now I build estates for clients.First job: Sacking groceries at the neighborhood Big Star.