Due to the many requests I have received over the past year, my firm, Legacy Advisors, has expanded its' services to you. We will continue to work with mature investors like you to preserve their financial assets and your standard of living, especially for your "golden years".

"If this is my so-called golden years, then why is it so hard to manage my affairs?"

Retirement issues are complex and multi-dimensional. Just as it would not be prudent to have only one doctor for all your medical needs, the preservation of your estate requires a team of specialists. The "team" that I have assembled for you are highly qualified affiliates, considered "masters" in their respective fields of elder and estate law, taxation, insurance, and unbiased investment advisory services. This team approach promises to deliver to you the most comprehensive, balanced, yet, cost-efficient guidance available.

"You no longer need to feel overwhelmed when seeking ethical and trustworthy answers to your troubling retirement issues."

My role is to be your voice, your advocate, to communicate with your team and to oversee the estate planning process. This will insure that the guidance you receive is appropriate and understandable for you and your heirs. Please contact me to discuss how this approach may benefit you.

Respectfully yours,

Ronald A. Papa, MBA, CLTC