R.T. is from Waco, Texas. He has 38 years of insurance experience and is now working with Lillard Financial and Insurance Services.  He has earned insurance designations from the IIA and CPCU and specializes in Final Expense, Life, Medicare, Long-Term Care, and Dental Insurance.  He also helps clients with Annuity and Legacy Planning.  He enjoys working with clients and helping them get the best value and premium for their needs.