Bill is very thorough and patient in explaining everything sometimes multiple times, if needed. There is a lot to learn and he does an excellent job in walking a person through the process. I appreciate his service very much.  It gave me the flexibility I needed in making my decisions. The variety of offerings made sense and gave me the options I needed.  Take time to look into sooner rather than later. It’s not a decision you will make over night—it takes time.”

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