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Marks' a great resource both for when you know what you want, and when you don't. We recently had a meeting, and i thought i was covered well across all insurance areas, but he made a recommendation i hadn't thought of which increased my life insurance benefit and decreased my yearly expenses for it. He's not going to sell you what you don't need, and he's not going to pressure you to do something you don't want to do. But he is going to offer his expertise and make honest recommendations, and that helped me a ton.