CLEVELAND, OH--(Marketwired - Aug 13, 2013) -  Rao K. Garuda, CEO of Associated Concepts Agency, Inc. (, bills himself as "The Missing Piece" of financial planning, and colleagues in his industry agree. That's why he will be busy with speaking engagements dotting the map of the United States throughout the rest of the year.

Garuda, an engineer-turned-independent financial planning advisor specializing in work with high-net-worth business owners, professionals and especially seniors, is busy as 10,000 Americans reach age 65 every day.

"With my engineering background, I am much more interested in problem-solving than selling financial products, which gets to the core of why professionals in my field listen to the message coming from ACA," says Garuda, who put his analytical mind to work in reducing his family's taxes after receiving subpar advice from financial advisors.

"I quickly realized there were ways of protecting one's earnings that experts either weren't telling their clients, or didn't know about. With all that this country has given to me, I wanted to give back by being the best financial advocate to my clients."

Garuda and colleagues from his agency will hold engagements open to the public, covering a broad range of financial topics. Events will be held 6 p.m., Aug. 27 and Aug. 29 at 100th Bomb Group, 20920 Brookpark Road, Cleveland, Ohio. Seating is free but should be reserved at the ACA site, under the workshops section, in the Upcoming Events tab, or call 216-642-9211. Dinner will be available.

About Rao K. Garuda

Rao K. Garuda, CLU, ChFC, is president and CEO of Associated Concepts Agency, Inc. -- "The Missing Piece" of financial planning -- founded in 1978, and a popular speaker at seminars and conferences for financial industry professionals. He came to the United States from India 35 years ago with a degree in engineering and, after marrying a physician, realized he had to learn how to reduce the couple's taxes. Disappointed in the financial advice he received from professionals, he went to business school and developed expertise in tax reduction, and protecting money from stock market losses. Rao is a founding member of First Financial Resources, a national organization with over 75 partners in the USA; a life member of the Million Dollar Round Table (MDRT), and a life member of MDRT's Top of the Table for 21 consecutive years.

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Ginny Grimsley