My CPA referred Old Dominion to me. I have had 5 other financial advisors, mostly at larger firms. What a difference an independent firm makes. They did not try to sell me anything. They sought to find our my need and goals first. Only then did they more to an investment plan. There approach to risk management is unlike anything I have ever heard but they were able to show me and explain exactly how it works. I feel very comfortable knowing someone is actually working for me and not just trying to make money for themselves. This is the best financial decision I have ever made.