However, less than 12% saw a measurable return on their investment of money and time. THEN the paradigm shifted. On March 11, 2020, the WHO declared COVID19 a pandemic. Business as usual was no longer possible.  Action [...]

Imagine walking into the lobby of your local bank, saying hi to the teller you’ve become friendly with, and adjourning to a side room for a private one-on-one meeting with your personal financial advisor — all without [...]