Todd Feager is a branch manager for Top Flite Financial, where he and his team have a unique approach to building a successful consumer direct division. We talked about why he chose to go consumer direct over retail, tips for any retail LO wanting to dip their toes in consumer direct, where consumer behaviour is trending, why he only recruits from outside of the industry, tools for creating a dynamic culture, and more.    Todd and his team of 60 are expected to close over $300 million in 2020.    Learn more about Todd at https://topflitecd.com/our-team/