**********************
Gay Real Estate Directory
**********************
Richmond
*******************************************************

    Insurance and Financial Products                 

Dr. Kelly A. Decker
4400 Cox Rd, Suite #110
Glen Allen, Virginia 23060
Phone: 804-935-5378  Cell: 804-221-9717
Website: www.kellydecker.com

Dr. Decker is committed to providing individuals, families, and businesses with life & long-term care insurance, retirement income, investments, and other financial products that meet their needs.
Dr. Decker is a member of the Million Dollar Round Table (MDRT). Achieving membership in MDRT is attained only by those who have demonstrated superior professional knowledge, experience and client service.  MDRT membership represents the top 1% of financial service professionals worldwide. 
Although Dr. Decker can broker with other companies---she primarily brokers with New York Life Insurance Company, a Fortune 100 company founded in 1845.
New York Life is the largest mutual life insurance company in the United States and one of the largest life insurers in the world.  New York Life has the highest possible financial strength ratings from all four of the major credit rating agencies. New York Life Investment Management LLC provides institutional asset management and retirement plan services.  Other New York Life affiliates provide an array of securities products and services, as well as institutional and retail mutual funds.
She also has her own company that operates in the Richmond area titled Money Management Educators (MME). MME provides on-site financial workshops and personal education sessions to help employees and executives implement real change in areas such as savings, investing, retirement and estate planning.
For more information on MME visit www.mmeducators.org

Jane Ludwig, Principal Broker
Bay Meadows Real Estate, Inc
98 N Main Street, PO Box 308
Kilmarnock, Virginia 22482
Phone: 804-436-1287 ext 107    Cell 804-436-6341
Website: www.janeludwig.com
Email: jane@janeludwig.com

Each client is the most important client I have and I will find that special spot for you. I have been in real estate in The Northern Neck and Middle Peninsula of Virginia since 1985. I opened Bay Meadows Real Estate in 1989 and am President of our local Board.  Please call for a personal interview with me about what you want in a a property.  Jane Ludwig 804-436-6341

Patrick Mc Crerey
One South Realty Group, LLC
1435 West Main Street
Richmond, Virginia 23220
Phone: 804-353-0009   Cell: 804-512-6085
Website: www.pickpatrick.com
Email: patrick@pickpatrick.com

With over a decade of experience and the reputation as a hard-working Richmond REALTOR® Patrick Mc Crerey has earned the trust and business of the area’s most discriminating home buyers and sellers. His deep knowledge of the real estate industry affords his clients major advantages in their real estate transactions. As an area resident for over thirty years, Patrick not only knows Richmond intimately he is able to translate that knowledge into successful marketing and negotiation skills that yield the absolute best deals. Believing that his clients’ time is a valuable commodity, Patrick strives to make every real estate experience as smooth and hassle free as possible. 

Georgia Rae Roberts 
West End Realty, Inc.
2987 River Road West
Goochland, Virginia 23063
Phone: 804-556-3070 x 12    Cell: 804-921-5218
Website: www.realtor.com    (area 24)
Email: we3737@aol.com

I have been in the Real Estate Business for 26 years.  Very service minded Real Estate Broker. Taking care of your needs is always my first priority. When you need a Realtor and want results call me.