We are a commission only practice interested in expansion. We have been operating for 40 years so we have an established practice with sizable AUM. We do comprehensive financial planning and charge a one time fee to new clients to prepare a customized financial plan. We charge a nominal annual retainer. The bulk of our revenue is from assets under management. I have a strong life insurance background and we are very conscientious with regards to downside risk utilizing variable annuities with guaranteed income and death benefits as well as other downside risk mitigation strategies. We serve the middle market from $0 -$12,000,000 in net worth.