The focus of my business practice is helping clients achieve their financial goals. We start by tailoring a financial program for their situation, and then implementing it with suitable strategies. I work with: * Life insurance, disability and long term care insurance. * Retirement income planning. * Investment strategies and contingency planning. * Estate analysis. * Education analysis for their children. My wife Kim and I are members of Emmanuel Lutheran Church in Britton, MI, where I serve as chairman of the congregation. We love to spend time with our 4 sons and 7 precious grandchildren. In my free time I enjoy golf; volunteering and reading.