When Paul Ludacka was 14 years old, circumstances caused him to leave home and become independent. Fortunately, he was able to move in with a friend whose mother shaped his life forever.

She was a financial advisor, and one day she asked Paul, “How many Americans do you think retire at the age of 65 above the poverty line?” Paul shrugged and responded, “All of them.” But her reply left him shocked. “Two percent,” she said.

Paul couldn’t shake that statistic, and the conversation completely changed his life. At that moment, he decided to become a financial advisor to help save the other 98% of Americans.

Immediately, he began to study, read, and learn everything he could to help prepare him for his career. Decades later, Paul is still as passionate about helping more people experience financial security.