Bill began his career 41 years ago with Massachusetts Mutual and Northwestern Mutual Life Insurance Companies in Kansas City, MO. He was subsequently asked to join the Manulife Financial (now John Hancock) regional office in Sacramento, California to assist the large number of area policyholders. Through this affiliation, Bill became the Estate Planning Specialist for Merrill Lynch of Northern California which involved consulting with over 250 Financial Advisors located between Sacramento, CA and the Bay Area. Upon returning to the Midwest in 1996 to assist with his parent’s care needs, Bill utilized his experience gained in California with investment advisors and agents in South-Central Kansas through Broker/Dealer national agreements to elevate their financial planning practice in the risk management area. Bill has consulted with advisors for over 20 years. His objectives involve helping the advisor and client initiate goal setting, fact-finding, and provide planning concepts coupled with the financial solutions necessary to maximize assets under management.