I have known Fred for most of my life. We grew up in the same town, played team tennis together and hung out with a lot of the same friends. That said, I can say that Fred is one of the most trustworthy, dedicated and loyal individuals I have ever known. Last year when I turned 65, and was totally confused about Medicare and Social Security, Fred came to my home and patiently guided me through the entire process. Not only is he very professional and knowledgeable, but a very good educator as well. I would highly recommend him to anyone.