I have invested all my adult life and about 15 years ago I challenged my former employer, the City of Redding that our investments options for our 457 Deferred Comp Plan were too expensive. They responded by asking me to join the Advisory Committee. I spent 12 years on the committee working thru reducing the number of providers from 8 down to 2 and reworking the working framework to better fit the IRS parameters for 457 plan. I decided to become an investment advisor before I retired from Redding Fire Department in 2009. I started my financial advisory business as a rep for HBW Advisory until June of 2012. At this time I joined Retirement Wealth Advisors as this is the company that really