Phil began his financial services career at Kehoe Nedrud Insurance in 1979.Throughout his career he has found he can provide much better results, for his clients, by designing strategies to avoid the market losses. Phil is a licensed Life Insurance Agent and a Registered Rep for a Registered Investment Advisor. Please contact him with Life Insurance and Financial Services questions. In his spare time, he spends time with his wife, Bernice, his stepsons and his grandchildren. He enjoys traveling, going to the beach and staying active at the gym.