Rick sat with my parents and explained to them about plannng for the future. It ends up he lost their money and wont return calls. He is literlly clueless. He knows nothing about finance and hide behind a couple of silly financial planning certificates he eanredsitting through a weekend class (the kind you sleep and text through) Bottom line. He is a shady crook and a liar and I would never recoomend his services to anyone. He pretty much lost my elderly parents life savings