We have been with Mark Kennedy since 2008 and have been very pleased with his stewardship of our investments. No one has a crystal ball, but he has been very proactive in all respects. At my age "safety" trumps high returns, and we have consistently beat the averages while maintaining a mostly conservative position. Mark also has a great crew with him who make sure every detail is attended to. Frequent educational seminars and social events are a big plus too.