I am a life-long resident of South Dakota and take great pride in helping our active adults in South Dakota, North Dakota, Minnesota, Iowa, Nebraska, Tennessee, Arkansas, Florida, Wyoming, and Texas with refinances or H4P programs. I have spent since 1996 in the financial services industry with brief hiatus in 2003-2004 when I enjoyed the sands of Iraq. I have spent since 2007 in the reverse mortgage field as a Reverse Mortgage Specialist. I have been a resource for clients with a $100K home to a $1M plus home and make great efforts to make sure the reverse mortgage is right for them. The past few years I have been helping more clients who are focused on cash-flow management and want to preserve their other assets as long as possible. I travel throughout South Dakota from Spearfish, Aberdeen, Sioux Falls, Rapid City, Aberdeen, Watertown, Yankton, Marshall, Worthington, Mankato, Des Moines, Spirit Lake, Spencer, Sioux City and everywhere in-between. I also plan on making one trip a year to meet my clients in Tennessee and hope to make a yearly trip to Florida and Texas. I am blessed to have a wonderful family. My wife Teri is a compliance officer for a bank in Sioux Falls and is a wonderful support to my business. My daughter Hannah is active in school and likes to be involved in student council, cross-country, triathlons, and track. Wilson likes to spend his time playing football, and basketball and will find his way to an electronic game every chance he gets. Quinn is following his big brother and also loves to play in the sand and build roads. His creativity is off the charts. In the summer, we can be found outdoors, generally training for triathlons. Hannah, Wilson, and Quinn are part of Z3 – which is triathlon team based out of Des Moines, IA and they all qualified for HYVEE nationals in 2014. In 2015, Hannah won her age division in the RIPROAR series. Thanks for reading about my family and I look forward to learning more about what is important to you.