Cindy David has fifteen years of industry experience and an extensive background in personal financial planning. Using her expertise and practical tax-effective solutions, Cindy provides customized plans that are tailored to the life goals and financial needs of each client. Cindy offers expert advice on long-term retirement planning, estate, and insurance planning. In addition top running a successful business, Cindy is an accomplished speaker and frequent member of industry panel discussions.Cindy carries both the Certified Financial Planner (CFP) and Chartered Life Underwriter (CLU) designations. CFP certification is the gold standard of excellence in the financial services industry.The CLU designation identifies specialists in life insurance, living benefits, and estate planning. Membership in the CLU Institute is the consumer's best guarantee that an advisor has invested the time to develop his or her skills, and will abide by the highest professional and ethical standards.