The Modern Insurance Agent

• Founder of Hygge Financial, helping individuals and families approaching or in retirement design plans around the life they actually want to live
 • Focuses on outcomes over assets starting with lifestyle, purpose, and vision before financial products or numbers
 • Integrates investments, income, tax strategy, and estate planning into a holistic retirement plan
 • Believes true value lies in advice, planning, and personalization—not products alone
 • Uses automation, CRM systems, virtual assistants, and KPIs to increase capacity and improve client service
 • Advocates for the shift from product sellers to true advisors as client expectations become more sophisticated
 • Combines direct response marketing with a strong focus on education and client experience
 • Represents the modern advisory shift toward better systems, deeper planning, and more human-centered advice