Paweł Skotnicki, MDRT® Top of the Table, eight-time member of the Million Dollar Round Table® international association, and certified financial advisor EFC®. Author of the book "POLAK MĄDRY PRZED SZKODĄ" (Before the milk spils). Founder and first President of the Board of the Polish Association of Recommended Insurance Advisors. Columnist in Gazeta Ubezpieczeniowa (Insurance Newspaper). Author of e-books "Your Legacy - Introduction to Estate Planning," "First Times - Planning, Budgeting, Debt, Principles," and "Financial Education for Children."