TheRetirementPros is affiliated with BHC Marketing, Ltd., a national wholesaler of financial services that supports thousands of financial professionals in all fifty states and the District of Columbia. BHC was founded in 1988 and is headquartered in The Woodlands, Texas, a suburb of Houston. Personalized services are provided to financial professionals by an experienced staff of knowledgeable professionals and two interactive web sites that can be accessed 24/7 for products information, materials and forms needed by the financial advisors to support their clients in savings, investing, financial & estate planning, and retirement matters.

BHC Marketing, and in turn TheRetirementPros, carefully chooses the products and services that it makes available to the financial professionals and planners that it supports. In order for a financial professional-planner to qualify as a client, he or she must be properly licensed, have an unblemished operating record with the general public and meet the exacting standard imposed by the financial intermediaries represented by BHC Marketing, Ltd. These quality standards are a necessary pre-condition for acceptance by TheRetirementPros. They mean that you can expect high quality in ethics, service and recommendations by dealing with the financial professionals/planners affiliated with TheRetirementPros.

About our experts who answer your questions:
Our team of investment experts is headed by Shelby Smith, Ph.D. Dr. Smith's team of seasoned professionals are well-versed in the investment arena, Dr. Smith's professional career includes the following:

• College professor of economics, insurance, finance and real estate.
• CFO, CEO and Chairman of a bank and a mortgage bank.
• Successfully operated a brokerage firm and life insurance agency.
• Author, speaker and consultant in the financial service industry.
• Has held the following licenses: Life Insurance; NASD 7, 24, 27, 63.