HistoryRalph joined John Hancock as an insurance agent in 1970 and became the agency's top producer in his first year. He attended The American College in Bryn Mawr, PA for his C.L.U. degree. Ralph is a licensed insurance consultant and a qualifying member of the Million Dollar Round Table, Top of the Table and in the top 1% of all life insurance professionals in America. In 1979 Ralph founded Ralph S. Adorno, C.L.U. & Associates, a national firm located in New York specializing in estate and insurance planning. Ralph is an author, educator, and lecturer for businesses, as well as professional and educational organizations on the topics of tax saving ideas and maximizing income and assets. In 1985, he taught estate, financial, and tax planning at New York University (NYU). He is dedicated to helping individuals and families create, preserve, maximize, protect and control wealth for themselves, their loved ones, and their favorite charities.SpecialtiesRalph S. Adorno, C.L.U. is an estate and insurance specialist with over 4 decades of experience. He has helped thousands of clients from coast to coast, with net worths ranging from $100,000 up to $1 billion. Ralph sees the leverage and tax benefits of life insurance and annuities as problem solving tools that are the cornerstone to sound wealth creation, preservation, and asset maximization in providing financial security and peace of mind.