With over 19 years experience in the financial services industry including the areas of insurance, investments and financial advising, Series 7, Series 66 Registrations and Life and Health Insurance Licenses, I am no stranger to understanding issues that families and business owners face. As a Financial Advisor with Wells Fargo Advisors, I help people toward achieving their goals through the Envision® process by preparing, implementing, and reviewing sensible investment plans. This information is intended for use by residents of AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, NH, NJ, NY, OH, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, and WV only.Please contact me by e-mail richard.hover@wellsfargoadvisors.com or by phone 419-993-1465 as I cannot respond to messages through LinkedIn./*********/Investment and Insurance Products are:* Not Insured by the FDIC or Any Federal Government Agency* Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate* Subject to Investment Risks, Including Possible Loss of the Principal Amount InvestedWells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. Opinions and comments do not necessarily represent the views of our firm. Additional guidelines can be found on wfa.com/social