Since the 2008 crash we had invested considerable time and money in our financial education. That said, until we worked with Todd, we lacked the understanding to avoid financial risks and to recognize real opportunities. We now live applying smart risk management principles to every financial and life decision. This led us to feel amazingly empowered. In the last two years we have made bigger changes in our lives than in the previous 30 years. I left my job, retired at 56, sold our house, and we're embarking on a couple years traveling the world. Despite these big changes, we're happier, more relaxed, and much more confident about our future. Thank you Todd.