About Nicholas
Benefits, Annuities, 401K Retirement Plans, Life Insurance Planning, Investments, and Tax Deferred Savings plans to insure your future......
*** If you have older Term Life Insurance policies that have expiration dates, let us know. We may be able to help you get a newer plan, or help you convert it to a Permanent Life Insurance plan with no more underwriting.
*** We have various Tax Deferred Annuity Investments that may be able to help you get a better rate of return, or payout for retirement. Rates and terms change very often.
Education
Bachelors
Licenses
Series 6
Other Credentials
LUTCF®
IBF Designations
CFS®
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Certified Fund Specialist
Deep, practical knowledge of mutual funds, ETFs, and managed portfolios.
Interested in earning an IBF designation? Explore all programs
At a Glance
IBF Designations
1
Member Since
2009
Other Credentials
1
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Practitioner-Reviewed education since 1988
Profile verified · March 2026
Understanding Credentials
What makes an IBF-designated advisor different?
1988
Established track record
Founded by a practicing financial advisor who believed designations should teach practical skills, not just theory.
CE
Ongoing requirement
IBF-designated advisors maintain credentials through continuous education, keeping knowledge current.
501(c)(3)
Nonprofit education
Focused on advisor education and professional development. Content reviewed by practicing advisors and SMEs.