I wok with small business owners to develop cost saving and tax advantaged plans for the owner. My work envolves Occupational Accident and Workers' Comp. plans, some with savings designed for using the payroll outsource benefit, individual and group health plans, property and casualty plans designed to suit the individual business needs, tax deductible life insurance plans, salary continuation plans and tax free retirement plans. An advisor to people looking for a Reverse Mortgage. With almost 40 years of experience, I am in a position where I can advise my clients from experience as well as my knowledge. I have held a Certified Insurance Counselor's license as well as a Certified Senior Advisor's license. I currently hold a state Risk Manager's license.