I’ve known Lillian now for several years. After retiring I needed life insurance and Lillian directed me to a provider that offered a policy that exactly met my requirements at an affordable price. She also assisted navigating the Medicare A, B, C and Supplemental plans. Again, what was chosen was tailored specifically to my needs. Financial decisions are often quite daunting and Lillian’s expertise will provide sound advice and equally important peace of mind, knowing you made the right decisions. Thank you, Lillian, your help is greatly appreciated.

I would like to express my thanks for the work you have done for me over the past years. The expertise and attention to detail with which you have handled my financial affairs, you have exceeded my expectations and am impressed with your professionalism. I felt very comfortable to put my finances in your care and for you to guide me in the right direction. I have no hesitation in recommending your service with complete trust. Thank you so much for being an incredible advisor and listener. You constantly help my put things into perspective and prepare me for great things in the future. I value your insights and guidance you provide. Thank you for all you do.

After the passing of my dad, I had limited understanding of the IRAs I inherited from him. In the back of my mind, I knew I needed to consult with a financial counselor sooner rather than later. It was not too long after that I happened to meet Lilly through a mutual friend. After finding out about her background, I told her my situation, and she was more than happy to help. I had limited understanding of my current financial situation, but Lilly was great at educating and helping me figure out my short- and long-term goals for the future. She has increased my confidence in knowing that I will be set for my future self. She does an amazing job staying in close contact and keeping me up to date on everything. I can tell that Lilly is truly passionate about what she does and is in it to do the right thing for her clients.

It has been said that when it's time to retire, you'll know. After working almost 24 years in county servive and three of those years working during the pandemic, the time had come where I KNEW it was time to retire. However, knowing it was time and knowing whether or not I could afford it were two very different concerns. Retiring would mean retiring at reduced benefits. I wouldn't have enough years of service to recieve full retirement pension from my county service and hadn't reached my full retirement age for Social Security. The companies handling my deferred compensation accounts failed to provide the information I needed to make informed decisions about retiring. Retirement is a lot of paperwork! I had to find someone I could trust to provide me with accurate information and provide guidance on how to proceed. That's where Lillian Realph stepped up to the plate to help me navigate the process. She helped me figure out how to handle my deferred compensation accounts, how to apply for Medicare, whether or not to apply for my Social Security early, and helped me with life insurance policies for my children and grandchildren. As well as a death benefit policy for myself. I am now very happily 18 months into retirement. The best decision I could have made! And none of it would have gone as smoothly and fearlessly without Lillian's professional and knowledgeable assistance.