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We have had a business relationship with Roy Ness for over 30 years. He took us from being first time investors into our retirement. He is a calming oasis in the many storms we have faced in the financial world. Roy always kept us focused on the end game. The dips and climbs were unsettling at first, but Roy helped us navigate and readjust as needed. He had knowledge and experience with a variety of products. He encourages his clients to research as much as they want and guides you with his advice. He even lets you make mistakes, if you insist on a strategy. We have learned about investing and been able to go far beyond what we ever knew was possible in the beginning. I’ve sent many relatives and friends to Roy when they have asked about investing. I’ve never heard a complaint. He is very discreet and trustworthy. I highly recommend him for all your financial needs.