Immediate responses 24/7 to calls, text messages and e-mail inquiries and concerns. Personalized communications and plans that account for client's situation and expectation. Independent: Neither compelled nor obligated to promote or sell any product/service. Spotless compliance record. Tax preparation with preemptive suggestions to reduce liabilities. Specialization in Social Security claiming strategies and coordination of benefits with other assets to sustain retirement spending in a tax-efficient manner. Embraces fiduciary responsibility. Retainer-Fee arrangement when circumstances dictate. Access to EMoney Financial Software.