I have worked over 18 years in Financial Services, including Banking/Lending, Investment and Retirement planning, and Insurance Sales. Today, I specialize in designing and implementing insurance-based solutions for Financial Advisers and Insurance Agents. We also review current insurance policies to make sure that the owner/insured understands how their policy truly "works." We coordinate insurance with other assets in a cients' portfolio, including Retirement plans, investment accounts, Real Estate, College Planning, Legacy and Estate Planning. I firmly believe that no insurance policy should be "lapsed" or let go without a thorough review of options. KAFL is an employee owned (ESOP) company based in Rochester. I grew up in Syracuse, and currently reside in the Strathmore neighborhood with my wife and 3 children.