About Us


Richard Ledford, Owner

Richard comes from a background in Education. He previously worked in Jackson and Valdosta, Georgia and the Bradley County School system in his home town. He was a Technical Reviewer for Delmar Publishing. He served in the Tennessee and Georgia National Guard. He worked with the Bradley County Agri-Center Task Force as a Consultant, served on the Board of Directors for Cleveland Keep America Beautiful and the development steering committee for the Cleveland/Bradley County Nature Center. He served as trustee treasurer for the Bradley County Agricultural Hall of Fame. His journey started in the financial services industry because of a family member’s need for education about finances and health. He started the educational process to help others in 1987 when he was licensed in Life, Accident & Health and Variable Contracts in Tennessee. He is credentialed to sell Medicare products. He works with Individuals and families to give them a variety of coverage options that provide needed protection.



Cheryl Ledford, Co-Owner

Cheryl comes from a background in customer service. She has previously worked with Personal Best Image Transformation Program, a Leader & Day Camp Coordinator and Trainer for the Girl Scouts. She decided to join her husband in 1987 when he opened his business on a part-time basis. She was diagnosed in 2004 with stage 4 cancer and had a stem-cell transplant in 2005. Today she is cancer free. Because of her diagnoses, she is passionate about educating people about how they can be prepared financially and educating them about benefits that help in case of sickness or accident. She is licensed in Life, Accident and Health in Tennessee, Georgia and North Carolina. She has worked in the Individual and Small Business Voluntary Benefits market. She is credentialed to sell Medicare products.