I have been working with affluent clientele for over twenty years in investments, insurance, and financial planning as a fee-based investment adviser.. I have worked with my clients to maximize retirement income and/or prepare my clients close to retirement. I have worked for several firms including Royal Fund Management, INVEST Financial Corporation, and New England Financial. I am also the President of Harbour Financial Group, Inc. an insurance firm in Apollo Beach, FL.I now change the way financial services agencies are built, operated and managed with a digital model that is disrupting a $6 trillion industry. These are historic times we live in that has laid the groundwork to be the golden age of the entrepreneur. In this environment you are either disrupting or being disrupted. Disrupted is an early sign your business model will soon be obsolete.