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Rao Garuda is the President of Associated Concepts Agency Inc. He has more than 30 years of experience in the financial services industry and is licensed in over 20 states. He is also a principal of First Financial Resources with over 75 partners located all over the U.S.A. Rao is a life and qualifying member of MDRT for the past 30 years, and has consecutively qualified for Top of the Table for 21 years. He is also a member of the International Forum and Director of the Forum 400. For three months each year, Rao attends seminars and educates himself, and takes another three months for charitable activities and travel. Rao lives in Shaker Heights, Ohio, with his wife, a physician (now retired). His two sons are highly accomplished in their own fields: one is a physician married to a physician, and the other is managing director for a major financial services firm. Rao is celebrating 50 years in America in August 2014.