My name is Jeff Zhu and I have the pleasure of representing Modern Woodmen of America, a fraternal financial service organization. There are two sides of my business, the fraternal side, where Modern Woodmen gives $20-$30 Million back to local communities each year through various programs such as matching funds, youth education programs, and community driven giving projects where $1,000 dollar can be used for beautification, etc. On our business side I believe in accumulating wealth, deferring taxes, reducing those taxes upon withdrawal, and taking risk off the table. I am passionate about helping young professionals, young couples, and those thinking about retiring within the next few years on a personalized plan, because fit does not come out of a box.