Entrepreneur, Author, Speaker, Financial Planner, Educator, Business and Financial Consultant Stephen Kelley, Investment Advisor Representative & Founder of Safety First Financial Planners, LLC, is passionate about helping individuals & organizations raise money, manage their finances & achieve optimal business & financial practices. For over a decade, he has assisted seniors & boomers who are preparing or currently in retirement. He also provides sound advice about investing, risk tolerance, annuities, portfolio development, estate planning & insurance. Stephen is the author of "Safe Harbors That Can Reduce Taxes, Remove Risk & Protect Your Retirement," which specifically addresses how to create a safe, secure & comfortable retirement. In 2011 & 2012 he was awarded the New Hampshire magazine 5-Star Professional Wealth Manager award. He is also a sought-after public speaker & financial planning educator. Safety First focuses on a different way of managing your money, a way that replaces risk with safety & replaces fees with guarantees. For over 40 years Safety First & its associates have helped thousands of people preserve principal & maximize their incomes, while providing clients with a wealth of information to protect & preserve their future. With more than 100 years of collective experience in the insurance & finance industries, the financial consultants at Safety First Financial Planners & its affiliate FMS/Consolpro have helped individuals & organizations raise money, manage their finances & achieve best business & financial practices. Forty years ago they created a new type contract called the independent career general agency, pioneering the first independent IMO in the country. This contract is now the model by which insurance & other financial products are sold throughout the country, completely changing the industry because agents are no longer limited to one specific line of products. Instead, they can focus on what's best for the client.