My understanding from financial companies used to be was that majority of them tried to sell a product to you regardless if you need them or not! Once I decided try Royal Wealth Financial for my financial needs, it changed my whole perspective as with their expert agents each individual brought different expertise to put together a 360 degrees view for my Financials. One shop place for everything from my mortgage protection, disability, retirement planning, kids education plan and even parents travel insurance to savings and investment all were taken care of in one company. Was very convenient to be able to pick and choose which product provider to deal with. Customize the plan and make it as my own to meet all my financial needs. I highly recommend them