Ryan is an independent agent who holds contracts with many external financial and insurance companies. He focuses on retirement planning, income planning, and Medicare. He is partnered with many managers, CPAs, and attorneys to assist when needed. Because he is independent and holds contracts with external companies, he has access to all their tools, resources, etc. This allows him to take an unbiased approach when working with his clients and ensure his recommendations are for the client and not just to fill a monthly quota. Ryan can give recommendations on Social Security benefits to maximize Social Security income and reduce taxation in retirement. It is not always what you earn, but what you keep that counts. He can take an intricate look at your retirement assets, your needs, and your goals to make recommendations for your retirement. Ryan does not hold dinner seminars and avoids the typical fanfare in his industry. He is simple and down to earth, yet thorough in his process. He also holds a current educator license in Tennessee and Georgia and strives to educate attendees and clients on retirement planning and Medicare. As an educator at heart his goal is to help others understand their options and make decisions accordingly. He does not try to impress with industry jargon and works in a no pressure environment. There is no charge for a retirement plan and no exchange of money. Ryan gets paid from the companies he recommends to you if you choose to accept his recommendations. Ryan homesteads just north of Chattanooga, Tennessee with his wife and six children. He and his family built much of their home and started their homestead from scratch. He and his wife, Liz, feel it is important for their children to have some basic knowledge and skills relating to farming and general construction that are quickly disappearing from today’s society. His favorite farm animals are their poultry. They have chickens, ducks, turkeys, quail, pheasants, peafowl, and more. He and his family garden together and try to grow and raise as much of their food as possible. One of his biggest pet peeves is buying eggs from the grocery store when his chickens are on ‘strike’ during the coldest weeks of winter. Ryan earned his Bachelor’s degree and Master’s degree from the University of Florida. When he graduated from UF he accepted a teaching position outside Metro Atlanta. He taught high school for seven years before transitioning to retirement planning. He had a successful teaching career and was awarded Teacher of the Year for his school and subsequently his school district. Since transitioning to retirement planning, he has continued to succeed as he has helped his clients prepare for their retirement. Ryan’s family is very important to him and he makes even effort to be with them. He is actively involved in church and serves those around him. He is available by appointment only to maximize his time for his family and for his clients. Each client has his cell phone number so he can be reached at any time. If time permits, he works in his office three days of the week and from his home office two days a week. Though he is not able to do that each week, it allows him to be available to his clients and spend time with his family.