Andy Rad retired financially secure at age 55, after 32 years with Hewlett-Packard, where he functioned as a Quality Engineer, Computer Information System Engineer, and Program/Release Manager. He and his wife, Julie, followed the Dave Ramsey principles long before they ever heard of Dave; that is, they utilized the cash envelope budget system shortly after college, lived below their means and invested the difference. Reading Dave’s book “Total Money Makeover” was like reading a biography of their life’s money principles. Andy managed his own investments, but required an independent advisor to access the alternatives market. This is where he began his relationship with Legacy Wealth Manag