A dear friend who's survived cancer twice referred me to Rick Pugach when I faced the daunting task of finding insurance for myself and my young adult son after a difficult divorce and resulting financial strains. Rick researched our options thoroughly and carefully explained the benefits and pitfalls of each with kindness and empathy. He then spent hours working out snafus for us during the application process, thoughtfully sending us reassuring emails that progress was being made as he unraveled the computer glitch and tie-up. He was a true champion and advocate, and his no-nonsense sincerity and dedication to our needs were such gifts in hard times. He's a lovely human being as well as a meticulous advisor!