I started working with Gary in 2012, during a very difficult financial time for me. He was a great listener, very understanding and did not judge. Through the years Gary has taught me a lot about life insurance and investing. He has had to repeat many concepts over and over to me due to my lack of knowledge but he is always willing to answer any question and wants to make sure you fully understand. He has given me great advice and I know I can see that I will be able to retire comfortably when I want to and possibly before. He has taken me from someone with very little in the way of retirement planning to someone who has both a greater understanding about investments and good return on those investments making retirement a definite go. Gary is easy to work with, always jovial and interested in you as a person not just money. I would recommend Gary to anyone, he certainly has helped me recover from my financial crisis much sooner than I ever expected.