Todd has been so helpful in working with my husband and I as we look toward retirement, and in advising us on the best way to help guarantee that we have adequate insurances as we get there. He has been a great pleasure to work with and has been there to call and advise us during the current economic downturn, when many other financial advisors would be reluctant to discuss it with us. Todd is a very honest and genuine person, who anyone would trust to handle their financial needs.