Hi!  My name is Roberto Valencia, I am the financial specialist for Allstate Insurance here on the Big Island.  Allstate + Big Island must mean Kris Speegle.  That’s right, I work with Kris in both of his offices in Hilo and Kona.  2019 will be my 19th year in the insurance and financial services industry, but my first here on the Big Island and I couldn’t be more excited.  Allstate’s marketing team has done a wonderful job with customer research and has identified six groups of consumers in which Allstate can provide a suite of solutions for their life insurance and retirement needs.