I came to this guy based on a recommendation from a friend. I wanted to do some investing outside of my 401k. When we sat down I liked him immediately but I liked what he did more. He asked me about all my other stuff so he could understand my full picture. He reviewed all my other accounts and showed me where some were out of balance and way too aggressive. He showed me how I could fix them on my own at no charge. He reviewed everything for free. He even looked at my life insurance policies and showed me how I could save there. Only then did we work out a plan that complemented what I had. Since then he has given me excellent customer service and great information. There are some guys you do business with and others that our partners. I would say Ragan is definitely a partner.