The Practice There are tremendous opportunities with the new health care law and I am uniquely positioned to advise you inside AND outside the exchanges. I am certified in health care reform (Obamacare) having earned the Certified in Heath Care Reform Specialist designation (CHRS). I hold the Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations. I also hold the Certified in Long Term Care (CLTC) designation and specialize in insurance, and employee benefits. I specialize in small businesses and individuals. I know how to find subsidies through the exchanges to help you save money on your premiums. My objective is to be a financial consultant, helping individuals, families and businesses to understand and take action regarding their financial risks. To assist them in setting goals and developing plans to accomplish them. To recommend only those products and services that I would use myself and in all cases, to maintain complete respect for my clients.I have long standing relationships with specialists in income taxes, estate analysis, and retirement planning. I believe that each client should be able to understand and explain their own plan, and I have been consulting individuals and businesses for over 26 years. I am local, my home and my office are both located in the Kirkland area.I am well aware of the trust that a consultant holds when you are working toward your financial goals.