I have had the opportunity to work with several annuity representatives. Although all were knowledgeable about their products, I found Todd Phillips to be the most knowledgeable and responsive to my needs. Todd has a firm grasp on the information contained within his products and the ability to make it clear and understandable. Todd has always put my goals and objectives first in the programs he has helped me acquire and at my age I really appreciate and need that. Overall, I feel well served to have Todd working for me.