Michael Todd Avery began his career in the financial industry in 1994 as a Mortgage Banker in Goldsboro, NC. He worked for various companies and climbed several corporate ladders over the next eight years, being led by the work ethic he acquired as a young man who grew up on a North Carolina tobacco farm. In 2002, Michael Todd became the Chief Operations Officer for a national mortgage broker/lender based in Northern Virginia named Carteret Mortgage Corporation. As COO for Carteret Mortgage Corp., he and his team helped them grow quickly and effectively to the top of the mortgage industry. With Michael Todd at the helm of operations, in 2003, Thompson Financial ranked Carteret Mortgage as the largest privately owned mortgage company in America. Carteret originated over 7 billion dollars of mortgage loans and employed over 2400 full and part time reps in the field in 49 states of the U.S. During his tenure as COO of Carteret Mortgage, Michael Todd was also asked to serve on the Advisory Board for the Freddie Mac Foundation’s Loan Prospector Division. After leaving the mortgage business during the downturn in 2008, he learned to thrive in other areas of financial services. Among his industry achievements, Michael Todd was recognized in Success Magazine as a top provider of debt solutions through United First Financial and, following that, of becoming a top provider of Infinite Banking Plans, a concept designed to use the time tested provisions of permanent life insurance policies as a means of building family wealth. Michael Todd now brings this collection of industry experience to his advisory practice. As a series 65 licensed Investment Advisor Representative, Michael Todd is now the principal of the firm RITE Financial Group, LLC d.b.a. RITE Financial group, a Registered Investment Advisor in the state KY.