Life & Health Insurance/Expert Profile

Expertise

I can answer questions relating to life insurance, estate planning, business succession/continuity planning and tax-effecient retirement planning. I have advised clients for many years on these areas, and how they relate to life insurance. Likewise, I have worked with many on Long-Term Care needs.

Experience in the area

I have been a top producer for the past 5 years. Prior to that I was the CEO of an international company, having the concerns from a clients perspective (now having been a client of NYL for more than 15 years)

Organizations

Society of Financial Services Professional Million Dollar Round Table

Education/Credentials

In addition to an BBA and an MBA from a top-10 school. I have earned the LUTCF, NASD Series 6, 7, 63 and 66 licenses.

Awards and Honors

Top Life Producer Top Long-Term Care Producer

What do you like about this subject?

There is so much "to know" about life insurance, investments and such. It's very difficult for untrained people to figure it out, especially when it comes to some taxation issues and beneficiary issues.

Something interesting about this subject that others may not know:

In the US, each state sets it's own laws and regulations in regards to insurance, including "variable" life and annuity products. The federal government only controls the investment and adviser area through "FINRA" and the "SEC". Therefore, sometimes an "expert" such as myself will not be able to answer all the questions you may have on a subject because we do not know the laws of that state.

Something controversial or provocative about this subject

There are many radio entertainers who have no specific training or knowledge of this subject, and yet they have the "right" answer for everyone. This subject is much more complicated. More often than not, there are many details in a question that suggest more than one "right" answer.