I went to an annuity seminar John Florance offered one evening, going in with absolutely no understanding of what annuities are or how they might work for me. Over the course of the evening, he explained how this part of the financial world works, including risks and advantages, all in terms that were understandable to anyone. So, I set up a phone meeting with him. Throughout the entire process over the next few months, he was patient, kind, and didn't mind answering any questions. Repeatedly, if necessary. He made the entire process so easy, and I feel very comfortable and confident in my decision to work with him. It was like working with a friend–he was flexible, responsive, and trustworthy. The whole process was absolute pleasure to work with. I wish there were more John's to help us plan for our futures!