MARC SMITH has twenty-five years of financial-services experience and is a seasoned professional in helping people meet their retirement needs. Before joining Secure Retirement Strategies, Marc was a managing partner of a leading financial organization where he initiated the unique Suite of Services platform, bringing together the broadest range of nonproprietary products to the marketplace under one roof. Marc is regarded for his honesty, passion, integrity, relationship building, and high ethical standards, and he is a certified member of the National Ethics Association. MICHAEL NEFT, with forty years' experience in finance and securities, oversees Secure Retirement Strategies' tailor-made retirement plans. Over the course of his career, Michael has attained a special compliance background, bringing more than twenty years of experience as a dispute-resolution arbitrator for the Financial Industry Regulatory Authority (FINRA). Michael is a certified member of the National Ethics Association and is always looking for new ways to help retirees and near-retirees throughout the country earn income for life as they approach or enter retirement.