• Welcome!

    Greetings and welcome to my website!

    I am a financial services professional dedicated to helping my clients to protect their assets, build wealth, plan for retirement and to leave a legacy to their heirs through the use of innovative insurance products and services.

    I have over 12 years of experience in the insurance field as well as a background in banking and finance. I take a consultative approach with my clients and make sure that I look at their total financial picture. I educate as well as advise my clients on the best products and strategies to put in place in order to meet and exceed their financial and retirement goals. My hope is that the information that I share on this website will help in some small way to make your financial future brighter! I work with clients in the areas of life insurance, disability income, long term care, medicare advantage & medicare supplement insurance and annuities. I would consider it a privilege if you chose to become one of my clients. If you would like to book an appointment with me for either a phone or in person consultation, please visit my appointment calendar here. Thank you, Steve Baker

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    How are Credit Scores Calculated?

    Fair Isaac and Vantage Score hold their credit scoring formulas as a close secret much like the formula for Coca-Cola or your grandma’s legendary double chocolate-chip cookies. This can be very frustrating for consumers when they see remarks on the credit report like “too many revolving debt accounts” and not knowing exactly that means.
    Fortunately, Fair [...]

    National Credit Federation for Mortgage Professionals

    The Mortgage Crisis

    WHAT JUST HAPPENED?
    How did Americans progress from being the world’s economic leader to becoming the world’s economic anchor?
    Friends and clients keep asking me, “What happened? Three years ago our economy was booming and our home values were rising at an intoxicatingly dizzy rate.  Last October, the US stock market was making historic highs. Today, home [...]