A personal message from Mark Halpern, CFP, TEP, company founder and President My path to this profession began when my late father suffered a fatal heart attack in 1974. He was 50 years old and I was 11, the youngest of four boys. In a sudden and shocking instant, our lives changed forever. My family's financial health was in jeopardy, there was no will, no key to a safety deposit box, no savings to speak of and my mother (then 48) was forced to re-join the workforce. I'll never forget what happened to my family and that's why my professional life is devoted to protecting you and your family from 'what happens next'. In 23 years of professional practice, I’ve learned that most people just want honest answers to 3 questions: When can I stop working if I don’t have to? Will my family be okay financially if I get sick or die? Will my family inherit a mess and will the tax department get a lot of their money? All my clients are busy and successful people. They don't have the time, knowledge, or inclination to deal with these difficult subjects honestly and right now. 3 kinds of people who buy life insurance: The first person buys it because they love somebody - and they want to make sure their family has the money they need to maintain their lifestyle The second person buys it because they hate the idea of the government taking up to half of their assets when they are gone. They buy 2 cent dollars today with Life Insurance that will pay 100 cent dollars when the taxes are due The third kind of person buys life insurance because they hate paying taxes while they are alive – they use it as a powerful tax shelter and wealth creator. High income earners can grow their net worth while saving a lot of tax. I look forward to helping you. Take care Mark P.S. I have never met with anyone who didn't take away vital information to enhance their financial security.