In our search for a knowledgeable annuities provider we were referred to Richard, and are delighted with the result. Richard took the time to understand our financial situation, and to determine if an annuity was indeed a good fit from both a risk and timing perspective. Only then did we talk details about annuities, at which point Richard demonstrated a thorough knowledge of both the annuity vehicle itself, and the industry as a whole. We were impressed that we actually had to convince Richard to sell us an annuity at this point in time. His software was able to analyze the returns for various scenarios and types of annuities, and after a few iterations we arrived at a solution that made sense to all of us. During the process we developed enough confidence and – importantly – trust in Richard to invite him to our home to complete the paperwork. We cannot understate the importance of trust when meeting a stranger for the first time to discuss life-altering financial issues. Richard earned that trust through our many phone calls and emails. Thank you, Richard, and we are happy to recommend you to friends and associates.