07/25/2026
**ANNOUNCEMENT**
Dear Friends and Clients,
I am pleased to have gained your trust as an insurance advisor over the past several years and I hope to be able to continue to provide you with superior service and attention to your changing health insurance and related needs going forward. I hope that you feel that I have carefully evaluated your individual needs and situation and facilitated a sensible and cost-effective solution for your insurance coverages and overall health care planning.
As most of you are aware, I am a licensed physical therapist with over 32 years of clinical practice experience. Over this time, I have developed a passion for helping others to age well and maintain vibrant living. Through this clinical practice and interaction with literally thousands of individuals and families, I have also become painfully aware of how the inevitable effects of illness, injury, aging, and the cost of long-term care needs can be not just physically debilitating, but often financially devastating for those who are unprepared. I sincerely want to provide care solutions for these inevitable effects of aging and declining health. To this point, my resources have been limited to some extent as a full-time healthcare worker and part-time insurance advisor.
For this reason, I am very pleased to announce that I have joined Southern Financial Consultants as an Associate Partner. Southern Financial Consultants was founded in 1982 by owner Mike Panter and is an independent insurance, investment, and estate planning firm based in Blue Ridge, GA. SFC offers a complete scope of insurance, financial, and brokerage solutions. The firm is robust with over 400 brokers nationwide, thousands of clients, and several hundred million dollars of assets under management.
With this new partnership with Southern Financial Consultants, I am now pleased to be able to leverage my decades of experience in the trenches of healthcare into a more capable advisor role to more fully partner individuals, families, and business owners to discover creative solutions to protect their acquired wealth from the effects of future diminished health. I can now truly help you by bringing to bear the full scope of the firm’s resources as you plan for your long-term health and financial needs. So, let’s talk!
I will continue to be very active in servicing the needs of my health insurance, Medicare, disability, and life insurance clients. I will continue to work with several small business owners and their employees to provide essential benefits for them and their families. Nothing will change in this regard. I would like to extend an invitation to each of my current clients to reach out and let’s discuss long-term care, retirement planning, and how to make sure that the effects of aging and declining health do not devastate your personal financial situation. There are solutions! With the resources of Southern Financial Consultants, I am prepared to help you find them! Let’s talk!
Please take the time to explore the Southern Financial Consultants website here www.southernfc.com . We are offering regular seminars for information regarding long-term care planning, Social Security, Medicare, estate planning, retirement planning, etc.
**UPCOMING FREE SEMINAR IN ROME, GA, AUGUST 18TH**--message me for personal invitation!
Please let me know if you would be willing to schedule a time to review your current situation and your plan for the future.
Thank you for your trust and I look forward to many more years as your personal advisor!
Luke Andrews
Associate Partner
Southern Financial Consultants
706-266-6811
[email protected]
