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About Us
Peter Steger, CLU, ChFC, REBC
Founder, The Efficient Edge

Frustrated by the sales-centric focus of the life insurance industry, Peter Steger was determined to find a better way to objectively provide insurance consultation to his clients.  In 2003, Peter created an independent, actuarial analysis process by bringing together new ways of reviewing and optimizing the performance of life insurance assets.

A dedicated insurance expert, Peter is also a Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), and Registered Employee Benefit Consultant (REBC). Peter was responsible for one of the largest insurance brokerage houses in the United States, has earned numerouse industry awards and is a member of Million Dollar Round Table.  Peter earned his BS and Masters in Finance from the University of Illinois.

Securities Offered through Cambridge Investment Research, Inc. Member FINRA (www.FINRA.org), SIPC.  Investment Advisory Services offered through Cambridge Investment Research Advisors, Inc. a Registered Investment Advisor.  The Efficient Edge and Cambridge are not affiliated.
Jill Powers, CFP®
Managing Partner, The Efficient Edge

As an experienced financial planner, Jill Powers was frustrated that she could not evaluate the true performance of insurance products without a new approach to the industry.  In 2003, Jill created HPH Insurance Analytics to solve the problem of creating standardized insurance performance analysis.  In 2009, she joined Peter Steger and helped found The Efficient Edge.  

Jill is a Certified Financial PlannerTM professional (CFP®), and previously served as President of Oberlin Financial Corp, an independent national broker/dealer.  She worked with NASD (now FINRA) on the Small Firms Advisory Board, the Business District Conduct Committee, and the Variable Annuity Taskforce to name just a few.  Jill graduated Cum Laude, Phi Beta Kappa from Miami University.

Securities offered through Cambridge Investment Research, member FINRA/SIPC to residents of Ohio, Indiana, Illinois, Florida, Missouri, California, Colorado, Kansas, Kentucky, Michigan, North Carolina.  Investment Advisory services provided through Cambridge Investment Research Advisors, a Registered Investment Advisor.  The Efficient Edge and Cambridge Investment Research are not affiliated.   

About The Efficient Edge

The Efficient Edge is dedicated to helping clients get the most value and performance from their life insurance portfolio.  Using actuarial and proprietary analytic tools, we can evaluate the viability of any policy for individuals and companies.  We assist with policy rehabilitation, design, pricing, tolerance and managment.

Our approach is science-driven rather than sales-driven and our objectives are clearly outlined and personalized for easy decision making.  Clients appreciate our proactive management of their most significant assets while offering smart and customized support.