Michael J. Brink, CLU is with the insurance advisory firm of Nease, Lagana, Eden & Culley, Inc. The firm focuses exclusively on wealth transfer planning for affluent individuals and families, as well as "executive only" benefit planning for public and larger private companies. The firm is a member of the M Financial Group, the nation's largest insurance buying consortium for affluent and corporate clientele. E-mail: mbrink@nlec.com