I was laid off and my retirement plans changed. I had to pivot, became a self-employed Life and Health Insurance agent, and had to re-plan my own retirement. I discovered retirement strategies and how Social Security and Medicare work. I also discovered people needed help with their 401k’s, 403b’s, IRA’s, etc., and creating a lifetime income. I added Public Employees, discovering what their pensions would produce and the shortfall for an optimal retirement. Then helping young couples with their insurance needs, planning for their kid’s college expenses, or insurance for their kids to cover college expenses. Licensed in California, Texas, Indiana and Georgia.