Tema and Joel Steele are a class act in the field of financial services. They came to our house at a convenient time and gave a detailed and valuable review of our investment and financial situation. We followed several of their suggestions particularly regarding purchase of a guaranteed variable annuity. When the market crashed last year and our portfolio lost half its value this investment stood out because it was guaranteed not to fall below our purchase price and we still received interest. When the market bounces back we still stand to increase principal as well. Ed Melman,OD