Pedro Hero has been in the financial services business since 1996 and holds a Master of Science in Personal Financial Planning with a Certificate in Financial Therapy from Kansas State University 2018 and a BBA in Finance with a Certificate in Financial Planning from Southwest Texas State University 1997 He earned his CERTIFIED FINANCIAL PLANNER CFP certification in 2001 and currently serves as an Investment Advisor Representative with Mutual Advisors LLC Following the passage of the Affordable Care Act in 2012 Pedro recognized the widespread confusion surrounding the 1000 page law and its subsequent 10000 pages of regulatory changes and guidance prompting him to become an expert by reading the entire law and staying current with all modifications over the past 15 years Driven by a commitment to help people navigate this complex