This article is 6 years old. As we are in a rapidly-changing industry, the information contained in this article may no longer be relevant. Please keep this in mind while reading.

Twenty-two years ago I had a lunch in San Diego with the President and insurance coordinator of Private Ledger, a small financial planning firm in San Diego.  This was before “financial planning” meant anything.   I was the new American Skandia National Sales Manager.  We had no A.M.Best ratings, nor any ratings from S&P.  Fitch […]