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

Ken has his Bachelors of Science in Finance, Real Estate, and Law from Cal Poly Pomona and graduated in 2002.  While in college, he had an internship with Merrill Lynch and Northwestern Mutual.  After graduating, he accepted a full time position at Northwestern Mutual insurance company.  He assists his clients will comprehensive financial planning, after

Educational Background: Currently a student at University of California San Diego. I am from San Marcos California, North San Diego County and my father helped me get into Medicare. My hobbies include, hiking, lifting weights and video games.

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,