Rao Garuda, ChFC, CLU
Rao is the President of Associated Concepts Agency Inc., founded in 1978. He came from India with $7 and a scholarship to the University of Colorado to pursue his Master’s degree in engineering. Rao is also a graduate of American College from Bryn Mawr, PA. Rao has more than 30 years of experience in the financial services industry. He is also a principal of First Financial Resources with over 120 partners located in all 50 states and co-founded The American Tax Planning Institute.

Rao is frequently invited to conduct seminars on financial planning techniques, asset protection, how to significantly reduce taxes, retirement income planning, charitable giving and estate planning. His expertise also includes being a Chartered Financial consultant and Chartered Life Underwriter. Rao’s main passion in life is making a difference using charitable planning ideas and he is a life and qualifying member of MDRT for the past 30 years. He has consecutively qualified for Top of the Table for 21 years and is also a member of the International Forum and Director of the Forum 400.

Rao has authored three books: ‘Meaning of Money’, ‘America’s Savings Challenge’ and ‘Ten Most Common Tax Mistakes.’ He takes 3 months each year to attend seminars and educate himself and another 3 months for charitable activities and travel.

Rao is married to a physician (retired), who also values and promotes philanthropy; they have donated over one million dollars to various charitable causes and Rao has dedicated his life to assisting successful individuals with making a transition from success to significance, as outlined in his book ‘Meaning of Money.’ Rao and his wife have two sons who are highly accomplished in their own fields. One son is a physician who is married to another physician and the other son is managing director for a major financial services firm. Rao has been a resident of Shaker Heights, Ohio, since 1965.


Tamara "Tami" Patzer

Tamara "Tami" Patzer is a No. 1 best-selling author, publisher, and video producer at Blue Ocean Authority.She is the creator of Women Innovators Radio with its sister book publications:No. 1 Women Innovators: Leaders, Makers and GiversBook Series and Big Message, Big Mission book series. She works with authors,influencers, innovators, and trendsetters to Get Media Exposure.

Tamara "Tami" Patzer

Tamara "Tami" Patzer is the host of The Thought Leaders show and the creator of the Daily Success Network featuring Women Innovators Radio. A social media expert, she is a frequent guest on TV News programs on ABC, NBC, CBS, Fox and CW.