With over three decades of experience working in the financial service industry as an Investment Advisor Representative, Todd Manternach (CLU, ChFC) has helped countless people reach their financial goals. His passion is helping clients prepare for their retirement. Although he has received company and industry recognition for sales and service, the highlight of his career is hearing stories from clients he works with describing how much they’re enjoying their lives. Todd and his wife, Sue, have four children and four grandchildren. He and Sue once spent 22 days backpacking by train throughout Italy. He’s also known to golf, ski, hike, and bike—or enjoy a good movie with a glass of wine.<