As with most other things in life, the key to achieving your long-term financial objectives is planning. It’s important to determine what you’d like to achieve financially and then map out a strategy that will help you meet those goals. The good news is that it’s never too late to start.    I am a trained professional who can help you identify your financial needs and then determine which insurance and financial products will help you meet your objectives. I'd like to find out what your goals are and see if I can help you. Please call or send an email to schedule a complimentary, no obligation consultation.    I have three professional designations; two are from the American College, the CLU and the ChFC. The third, the CLTC, is from the CLTC Board of Standards, Inc. They show that I have gone the extra mile to learn about my field. I've been an agent with a New York Life for twenty years and a Registered Representative of NYLIFE Securities LLC for nineteen years (1067 Yosemite Drive, Pacifica, CA 94044).

Chartered Life Underwriter (CLU)
A professional designation (achieved by passing a series of examinations) demonstrating knowledge of life insurance products and their potential uses to meet business, estate planning, retirement planning, and other objectives.

Chartered Financial Consultant (ChFC)
A professional designation (achieved by passing a series of examinations) demonstrating the successful completion of financial courses involving insurance, investments, taxation, accounting, estate planning, and more. The ChFC designation indicates a knowledge of financial planning, as well as the features, benefits and uses of various insurance and financial products.