As an independent representative, once we have developed a plan for you, we have the ability to go to many companies and products to put your plan in place. We are not tied to a certain company as a captive agent or advisor would be that would limit us to only certain products. Our job as the advisor is to make the financial plan that was decided upon to work as efficiently as possible. Having many different companies and their financial tools to choose from makes it easier to work toward your desired goals. Thus, as the advisor, we work for you, the client, and not a particular company.