While there are many factors that have led to our success, the vast majority of credit must go to our people. We believe that if face to face is the most effective format, then our faces need to be the best in the business. Associates go through extensive training in sales, marketing, business development, and leadership. In addition to learning how to target the customers of their clients, they also learn the ins and outs of business management. This training is essential for not only individual growth but the overall growth of the organization. When people are challenged to keep learning, they get better. A fundamental core value at Silver Fern is that this road of improvement is an endless one and that this relentless pursuit of excellence will be what definitively separates us from our competition.