The essence of this business is what you say, how you listen and how many families you will touch this year.

My advocates want their friends to retire comfortably. My top advocate's goal is to eventually give me one hundred referrals. I have 16 advocates. I talk to each one at least once per month. These are not financial phone calls. I e-mail each one once per week. I get 100 referrals per year.

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