Jay has been in the financial services industry since 1976 both as a manager and producer. Jay joined QA3 as an OSJ in October of 2008 and came to us after 10 years of building a very successful securities branch in a nationally known Independent Marketing Organization.

As Vice President of Advanced Markets, for that organization, Jay helped scores of representatives double and triple their incomes utilizing advanced sales concepts. Jay has personally closed over $700,000,000 in life insurance sales every year since 1995, working joint cases with representatives, CPAs and attorneys. Jay is the creator of a CPA strategic alliance program called "CPA Plus" that coaches reps on how to partner with CPA's. He has been a featured speaker at insurance companies and broker dealer conferences across the country.

Jay has received numerous company and industry awards including National Sales Achievement Award, National Quality Award and is a Life and Qualifying Member of the Million Dollar Round Table.

Rao K. Garuda came from India with seven dollars and a scholarship from the University of Colorado in Boulder, to pursue his Masters degree in engineering. He feels immensely blessed to be able to come to the USA. Rao is now president and CEO of associated concepts agency, Inc., founded in 1978. He has over 26 years of experience in the financial services industry.

Rao is frequently invited to conduct seminars for CPAs attorneys and physicians on financial planning techniques for their clients. He also conducts seminars on asset protection, how to significantly reduce taxes, retirement income planning, charitable giving and estate planning.

Rao is a life and qualify member of the MDRT for the past 25 years. He has qualified for Court of the table for 21 years and has consecutively qualified for Top the Table for 14 years. The past five years he has qualified for top the table in the first three months of the year. Rao is also a member of the international forum.