Having spent over fifteen years helping people plan their lives financially, Bob has a vast amount of personal knowledge concerning personal finance. During his career, Bob mastered many financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and a freelance writer living in North Texas with his wife and Doberman puppy. by Bob P

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