When is the best time to plant an oak tree? If you’re looking for shade and acorns, the answer is 20 years ago. Krisstin and Edward have been studying and working in the world of Finance and Retirement Planning for nearly 20 years – like the mighty oak tree, they are now here to provide financial protection and nourishment for their clients. When asked why they are so passionate about protecting their clients money, Krisstin answered, Because money doesn’t grow on trees.”