I have been so blessed to have met David at a time that I was trying to retire but I did not feel comfortable with the information that I was being told about Medicare. Talking to a friend who recommended David that had assisted her husband with his Medicare/retirement. He made me feel comfortable, he is very knowledgeable on the subject of Medicare. David takes time to explain what you need, he is pleasant, and he makes sure you understand and is comfortable with what you need to know. David is a great guy!