This man tells you anything you want or need to hear as an agent. He also tells you that you are vested 100% immediately(you aren”t given a copy of the contract he has you sign) and then cuts down commissions and if you switch to another insurance brokerage he then keeps ALL of your Medicare Advantage commissions. He kept $18, 000 of my commissions just from MA plans. Stay away from this so called brokerage house! He ripped me off.