My goal is to provide families and business owners with assistance in building financial freedom. I have the skills, knowledge and experience required to help meet my client's established goals; A lifetime financial services resource for every client.My 32 year financial services career began with 3 years of services in banking (immediately following the completion of my undergraduate requirements). This was followed by a lengthier financial services career in 1987 immediately after banking.Specialties: Retirement Rollovers, Fixed /Variable Annuities, Gifting Strategies, Disability Income Insurance, Estate Conservation Strategies, Education Funding Plans, IRA Consolidation, Long-Term Care Insurance, Pension Payout Alternatives, Pension Plan Funding, Mutual Funds, Tax Sheltered Annuities, Life Insurance, Lump Sum Pension Distribution, Wealth Management Accounts, DROP Rollovers, Property and Casualty Insurance License, Comprehensive Fee Based Financial Planning.I will work with you and your tax and legal advisers to help you select the most appropriate product solutions to suit your specific needs and circumstances.To learn more about my licensing, please click on the Licensing link found under my "Contact Info." Registered representative of and offer securities and investment advisory services through MML Investors Services, LLC, Member SIPC (www.sipc.org). Supervisory address: 949 South Shady Grove Road, Suite 300, Memphis, TN 38120. 901.767.5951.H20LS Wealth Management Solutions, LLC is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies. .