Tad Hill, author of Retire with Freedom: The Five Steps to Getting a Good Night’s Sleep After the Paychecks Stop (www.askfreedomfinancial.com), is the founder and president of Freedom Financial Group. He is registered as an Independent Advisor Representative and is a radio and TV host, industry trainer and speaker who helps retirees work toward their financial and retirement goals. Hill has passed the Series 65 securities exam and holds licenses in life and health insurance in Alabama, Florida and Texas. He has earned his Registered Financial Consultant (RFC®) and Chartered Retirement Planning CounselorSM (CRPC®) designations.