Very knowledgeable about everything with the word insurance after it. Advocated really strongly for…read moreme and took great care of me. Always able to contact them. Proactive in finding better coverage when things change with my current policy.

I can't recommend Nirav enough. I came to him needing to catch up on back taxes, and he handled…read moreeverything with real expertise and care. He made sure every step followed proper procedure, so I never had to worry about compliance issues, while also working hard to get me the maximum refund I was entitled to. Professional, thorough, and genuinely looking out for my best interest. I highly recommend to anyone who needs to get their taxes sorted out.

I have my homeowners, auto and umbrella insurance with Hoffberger Insurance. I find their service…read moreto be wonderful. They are always there when I have a question, large or small. They saved me a lot of premium when I started with them. Cynthia L.

I had photography insurance with them for 5 years and the customer service is NOT professional…read more Peter hoffberger is annoying. I use another insurer and the quality of service is much much better.

I've been a banking customer here since 2005 and I've watched this local credit union grow and…read moreevolve to be able to compete with the mainstream banks with their products offered and updated banking website and app. They've been consistent and they continue to offer the lower rates promoted by credit unions. The membership aka customers receives annual dividends & rebates which is always a nice surprise at the end of the year. They have a plethora of products for all types of products. I'd check them out.

First of all, I do not want you to take this course. I want you to remain ignorant on how trading…read moreand investments work so that you can remain a novice trader. This program will teach you how to analyze charts to help you find trading demand and supply zones. It teaches you how to invest like the system as opposed to trading like a novice. The system loves novice traders and will use them to make money. And the more novices there are, the more likely I will make money. This course has the amazing potential to change your life. Traditionally, one gives one's money to one of the big brokerage firms to invest. Your money will not typically make as much money as if you were to have just invested in the S&P. Plus, these firms are not looking at your investments as closely as you would. This course can supplement your current income or even replace it. OTA provides other resources such as tax pros, online videos, and others. This is lifetime learning. One can take the same course over and over to help strengthen one's knowledge. They have instructors who can help mentor you as you make the system work for you. Plus, Ota has a community for which one can network to help increase one's gains even more. Course tuition may seem expensive, but over the long run it will be worth it.

I've been a OTA student going over a year. I have taken core strategy twice and options twice. Now…read moreI have clik I am waiting to take options again using the new clik platform. I can't put the blame on OTA for my lack of success as these lifelong skills I'm acquiring are difficult to learn. And to be honest I have not dedicated 100 percent of my time in the Extended learning series that is put on the OTA website. I compare this similar to the decision I made to go to college. I saw the value of my 90k education and I see the value of OTA and the knowledge they bring us concerning the financial markets. I only regret that I would have done it earlier in life when my brainpower was at full capacity. You can't put a price on skills that u can make money in all types of financial markets. Learning from educators top in their fields. If u are on the fence or thinking about becoming a student of OTA just think that these are lifelong skills u can earn a comfortable living once u master the strategies. I also have to admit that my trading platform "think or swim" is another challenge. I am waiting for the day when all our asset classes can interact directly with our trading platforms.. Remember these are life long skills that can set u up with generational income and wealth.

I could not find the new Silver Spring office on yelp to comment, but I would like to say thank you…read moreto Ms. Tawanda Thomas for her help. Though I am not quite at the point where HBM is able to assist me. She was thoughtful and gave me guidance towards other possible opportunities. I will keep HBM in mind in the future because of my interaction with her.

The most horrific incompetent mortgage loan servicing I've experienced in my 35 years of being a…read morehome owner. The automated phone system doesn't work half the time, Mr. Vincent McCarty does not know how to return calls or emails in a timely manner, if at all. The banking app is the absolute worst. Make a principal payment and their software applies it as a regular incremental payment so you have to call and email until you get a human being to reverse it and apply it to the principle only. I can't wait until I pay my loan off and walk away from this subpar bank. Do not use them for a mortgage. It's not worth the headache you will live with for the 3/4 or 1% lower interest rate. I made a $16500 payment and they applied $2214 of it as a regular payment after they deducted $2214 out of my checking all on 3/1/22. Run away, as fast as you can from their mortgages and servicing.

I want to share a few thoughts on our experience with Heritage Financial Advisors. We found you…read morethrough the Dave Ramsey Smartvestor pro system. Prior to switching over our previous financial advisor did not give us a feeling that our business was a priority for him. However my first conversation with Chris gave me a really good feeling that he was a quality person that would take great care of us and he and the team at Heritage has done just that. Since switching over to Heritage about six years ago Chris has helped us grow a very nice portfolio of investments. Working with Chris and the team at Heritage Financial Advisors has allowed us to enjoy our retirement as well as providing us with the confidence that we can be financially stable for life, as well as being able to help our family and a few others through some tough times. We would highly recommend the Heritage Financial Advisors to anyone that is looking for someone to help them build wealth for their future. Paul and Sandy

A fascinating compnay with a storied history and unique offering. I used them for about ten years,…read moreand was very pleased with the offering. Perpetual inurance can make a lot of sense, especially in a low-interest rate environment. Baltimore Equitable offers a great alternative insurance structure to other, more widely available offerings.

They have terrible customer service. Could take the $30k they wanted and invest it and pay my…read morecurrent premiums and make some money and not tie up $30k. Sales person showed no interest in calling me.