Chad has been a godsend for me since my husband passed away. He always has a smile. He is easy to talk with and discuss my plans. He listens intently and doesn’t put down any of my ideas. We have honest and open discussions, which is refreshing. He has innovative ideas to get me where I want to be in retirement, which has helped and challenged me. I’m closer to executing my plans for retirement. I don’t know where I would be without him.