Richard Osterhoudt has 20+ years of experience working in Retirement Planning and Insurance. I started my career with Aflac offering employee benefits then spent a number of years as a Financial Advisor with Edward Jones Investments before transitioning to becoming an independent advisor in 2013. Since 2013 my primary focus has been on retirement income and life insurance and previously earned the Accredited Asset Management Specialist title from the College of Financial Planning. I presently work with multiple financial institutions to offer the best, most comprehensive line up of products and solutions to serve my clients needs.