Team & Total Insurance Solutions

This was our first experience encountering an insurance professional with a complete portfolio of financial skills and comprehensive knowledge who immediately engendered in us a feeling of integrity through his well-articulated and insightful email communications and unerring analysis. Dave patiently guided us through several very thorny and interrelated financial decisions we were recently confronting while also taking into consideration our son's college federal financial aid application process and his ongoing educational planning needs.nnWhat started out as a brief phone call to learn more about a specific insurance product gradually morphed into a far-ranging personal financial planning session and continuing dialogue covering vitally important topics to my wife and I. From providing us an analysis of our Social Security claiming strategy or pointing out potential changes in congressional legislation affecting our future retirement considerations, to even more specific tax ramifications of making one small change as opposed to another, we examined a whole host of interrelated issues which could have negatively impacted our future financial well-being had we not pursued Dave's thoughtful approach.nnMost importantly, Dave prioritized the various scenarios for us to consider in a thorough and well-organized manner, guiding us toward our own conclusions while remaining neutrally objective and non-biased. This afforded us the time and ability to synthesize his observations and arrive at our own conclusions about the information. The insurance component became only a part of the whole story, but it was carefully considered right from the beginning and we feel very confident now and at ease with the choices we made.nnDave Evans is an exemplary fiduciary in every sense of the word. Of the many insurance agents one could encounter, he is truly looking out for the best interests of his clients. Team Total's careful analysis of our current situation was as multifaceted and as serious as we could have ever hoped for.nnDavid Walters