Louis F. Grammes CLU®, CFBS is a Certified Family Business Specialist with the UFinancial Group a general agency of Massachusetts Mutual Life Insurance Company located in Mechanicsburg, PA. He has over 45 years of experience counseling his clients in succession planning, exit strategies, and wealth preservation, and working with his client’s advisors. He is known for being a highly creative professional in making sure his clients business transition efficiently and with as little tax impact as possible. During the past several years, Lou has had several “Changing of the Guard” articles published in Forbes magazine and the Central Penn Business Journal.