“Dan Payne was extremely thorough. He responded promptly to my initial information request, and follow-up questions. He patiently discussed all of my options and guided me through them based on my financial situation. He gave me great confidence in the decisions I made based on his knowledge. He seems to be truly invested in his clients’ well-being. Highly informative. Low pressure. Very accessible. Extremely knowledgeable. Made me feel very comfortable about big decisions.”