I have worked for over 10 years in the Insurance Industry. Initially, I worked processing claims and handling customer service for insurance companies. Then, I worked as a medical biller for a skilled nursing facility. For the last three years, I have worked with Colonial Life focusing on supplemental benefits for employees. Now, I’m working

Ralph graduated from Cal State Fullerton, majoring in Political Science and Communications.  He has been a Financial Counselor for over 30 years and has been part of the Dave Ramsey organization for the last 8 years. Ralph is also a broker and senior partner at Term Team EZLife, a full service Financial Advisory Firm.  Several

Educational Background: Bachelor Degree in Finance Seton Hall University South Orange NJ With over 20 years experience in the Insurance Brokerage industry, with a focus on Annuity, Life insurance, LTC and Medicare distribution . My clients are financial advisors, CPA’s, and estate attorneys. State Insurances licenses for health, life, LTC producer in NJ, NY, and

Kenneth Gallagher graduated from Cal Poly Pomona in 2002 with a Bachelor’s of Science in Finance, Real Estate and Law. While there, he interned with Merrill Lynch and Northwestern Mutual Insurance, the latter of which he worked at after graduation. As an insurance agent, Ken listens and determines what matters most to his clients, then

Mr. Larry Acker was born in Buffalo New York, and is now living in Carlsbad, CA by the ocean with his spouse Rose Mary. They have been married for 44 years and have three sons, two daughters, six grandchildren and a cat named Midnight. In his free time, Larry loves to got to the gym,

Tom is a native Minnesotan, who graduated with an AA in Marketing & Sales North Hennepin Community College and also has an Enterprise Content Management Certfication in American International Imaging Management (ECMP847567). He also served as a National Ski Patrol, and was a ski instructor with multiple first aid designations, including CPR instructor. Tom is