In 1969, I was recruited by Manfactional Life Insurance Company in Cleveland, Ohio. I was the leading rookie agent the first two years then transferred to Columbus as a branch manager. A year and a half later, I was transferred to Cincinnati to take over a larger branch, which we took from ranking 48th in the country to eighth in less than two years.

I enjoy educating people about the alternatives that are available in the financial services world. We act as financial architects, making our clients aware of their options and helping them choose the ones that most effectively accomplish their financial goals. Counseling the clients through that process, which is completely different in retirement than it is in the accumulation phase, is a gratifying and challenging process. When we accomplish our goals, we send people home not only with products, but with confidence.

What works today may not work tomorrow. Therefore, an ongoing search for innovative processes, new strategies, techniques and products is essential. Planning for growth during a client’s working years is different from planning for preservation and distribution in retirement.

With persistently low interest rates and volatile markets, finding a consistent source of income for retirement has become increasingly difficult. For some people, the traditional assets for retirement may no longer provide enough income, which can lead to some taking on more risk or investing in new assets that are out of their comfort zone.

Unfortunately, most people only focus on one thing: the stated rate of return. There is a lot more to be considered when planning for retirement. Finding reliable and consistent income sources is very important.

Retirement by Design does not deal with the hottest trends or latest fads. We stick with our disciplined approach and leverage our experience and knowledge to maintain our long-term track record of success. We focus on consistent income from investment and insurance products more than on unbelievable short-term returns. Sometimes that gets overlooked when the economy is doing well, but we shine bright when the markets are volatile.

Retirement is not about net worth, it is about net income.

Florida is poised to be the most prominent retirement haven in the world. The sheer beauty of our beaches matched with the perfect weather make our area the promised land of retirement. These new residents will push the value of our economy higher.

When I was 6, I took my dad’s handkerchiefs, went up and down the street and tried to sell them. So, I have been an entrepreneur from a very early stage. I attended both undergraduate and law school all at night, and it took me more than 22 years from start to finish. I have four recognized designations in the financial services industry, and I read about 15 to 20 books a year that foster additional skill sets. I have passion for the business and building the firm. Retirement by Design is a true one-stop shop for people who want the most out of retirement.

Virtual Meeting

A visit in one of our covenant offices in Fort Myers or Naples