This article received 51 testimonials and 80% of readers who voted found it helpful, earning it our reader-approved status. WikiHow marks an article as reader-approved once it receives enough positive feedback. There are 10 references cited in this article, which can be found at the bottom of the page. Chad is a supporting member of the World Affairs Council and an emerging leader with the Global Independence Center (GIC). With over 15 years of experience, Chad specializes in retirement planning for oil and gas employees and executives as well as estate and investment strategies. Prior to this, Chad worked as a Private Wealth Advisor for Sagemark Consulting for over ten years, where he became a select member of their Private Wealth Services. Chad Seegers is a Certified Retirement Planning Counselor (CRPC®) for Insight Wealth Strategies, LLC in Houston, Texas. This article was co-authored by Chad Seegers, CRPC® and by wikiHow staff writer, Jennifer Mueller, JD.