Art is an excellent communicator and advisor. I am soon to turn 65, and Art has already shared with me many, many things to consider before I sign up for Medicare. If you need advise on Medicare or any other important insurance needs, Art is the person to call! If he doesn't know the answer to your questions, he will tell you so and research and get back to you promptly with the answer! I have know Art and his wife, Teri, since 1983, and they are solid as a rock!