A single DUI charge in Sarasota can upend your life in an instant. Collateral consequences of a conviction include a license suspension, your finances (expensive fines, increased insurance costs), and your freedom. Most people’s first brush with the criminal justice system is for a DUI. Not knowing the process, the timeline, and the potential outcomes is overwhelming if you are facing this charge alone. Couple that with Florida’s strict penalties, every decision you make matters. Choosing the right DUI defense lawyer isn’t just a formality; it can shape the outcome of your case and the course of your future.
But how do you find an attorney who knows the intricacies of Florida DUI law, understands the Sarasota court system, and has a proven record for getting results? With so many options and so much at stake, the process can feel daunting. That’s why this step-by-step guide is designed to walk you through every stage of selecting the right legal advocate—from clarifying your legal needs to evaluating credentials, experience, reputation, and value. By following these practical steps, you can approach your case with confidence, knowing you’ve put your defense in the hands of a capable professional who will fight for the best possible outcome.
Let’s break down exactly how to identify, vet, and retain the DUI defense lawyer who gives you the strongest chance at protecting your rights and restoring your peace of mind.
Step 1: Identify Your Specific Legal Needs
Before you begin reaching out to attorneys, take a moment to map out exactly what you’re facing – and what you hope to achieve. A clear picture of your DUI charge, the possible penalties, and your own goals will help you zero in on a lawyer whose expertise aligns with your case’s complexity.
Start by gathering every document you have: your arrest report, breath- or blood-test results, police notes, and any citations. You may not have the majority of these documents yet, but do not worry. A lawyer that is familiar with handling DUIs can many times determine what the offense level based on the facts. As you review these materials, you may start to ask yourself: How serious is this offense? Am I looking at a first-time misdemeanor or a felony with injury? You are not alone. We will help guide you every step of the way. After we review the facts, then we can make a determination on what are the possible resolutions—dismissal, reduced charges, or simply the shortest possible license suspension.
Determine Your Offense Severity
DUI offenses in Florida fall into different categories based on prior convictions, blood-alcohol concentration (BAC), and whether there was an accident (e.g. was anyone was hurt, or property damaged):
- Misdemeanor DUI
First or second DUI (within five years) without injury or property damage, BAC under 0.15%.
- High-BAC Enhancement
BAC ≥ 0.15% triggers mandatory minimum jail or community service and higher fines (even on a first offense).
- Felony DUI
Third DUI within ten years, fourth DUI ever, or any DUI causing serious bodily injury or death.
Knowing exactly which category your charge fits will help you find an attorney who routinely handles cases at that level of severity. I have experience prosecuting and defending every level of DUI with excellent results.
Understand Penalties Under Florida Law
Florida Statutes Section 316.193 lays out a range of penalties for DUI convictions. Below is a simplified overview; consult the full statute for every detail and possible enhancements, and be prepared to discuss the specifics with your lawyer.
| Conviction | Jail Time | Fine | License Suspension* | Ignition Interlock |
|---|---|---|---|---|
| 1st DUI (misdemeanor) | Up to 6 months | $500–$1,000 | 180 days – 1 year | 6 months |
| 2nd DUI (misdemeanor within 5 years) | Up to 9 months | $1,000–$2,000 | 180 days – 1 year | 1 year |
| 3rd DUI (felony within 10 years) | 30 days – 5 years | $2,000–$5,000 | 10 years | 2 years |
| Subsequent DUI or DUI with serious injury | Up to 5 years | $2,000–$5,000+ | 10 years – lifetime | 2 years+ |
*Administrative penalties (DMV license actions) are separate from criminal suspensions.
For the complete breakdown, see Florida Statutes Section 316.193.
Set Your Defense Goals
Now that you’ve sorted out the severity and stakes, think about what you want your attorney to accomplish:
- Case Dismissal or Reduction
In some instances—weak evidence, faulty testing procedures, lack of probable cause—your lawyer may push for a full dismissal or negotiate a lesser charge. A common plea bargain is called in the industry a “wet reckless plea”, which reduces DUI to reckless driving with alcohol and carries lighter penalties.
- Minimal Penalties
If a full dismissal isn’t realistic, your goal might be to limit jail time, fines, and license impact. This could involve arguing for probation instead of incarceration or a shorter ignition interlock period.
- Preservation of Driving Privileges
For many clients, maintaining the ability to drive for work or family obligations is mission-critical. Your attorney can strategize around hardship licenses or administrative hearing tactics to keep you on the road.
By outlining your top priorities—whether it’s avoiding jail, keeping your record clean, or turning this around as quickly as possible—you’ll be better equipped to assess which DUI defense lawyer is a good match for your case and your personal needs.
Step 2: Research Local DUI Defense Attorneys
With a clear understanding of your case needs in hand, it’s time to assemble a list of Sarasota attorneys who specialize in DUI defense. Hiring Attorney Michael Fayard for DUI defense gets you years of prosecution and defense experience both in Sarasota and surrounding counties and in multiple states. Michael has successfully handled DUIs in Florida, Colorado, and Hawaii.
Seek Personal Referrals from Trusted Contacts
Word of mouth remains one of the most reliable ways to find skilled representation. Reach out to friends, family members, or colleagues—especially those who’ve navigated DUI charges before—for recommendations. If you know any attorneys in other practice areas (estate planning, family law, real estate), ask them which local criminal defense lawyers they respect. A firsthand endorsement can tell you more about an attorney’s bedside manner, work ethic, and success in the Sarasota courts than any advertisement.
Review Online Listings and Reviews
Once you have a preliminary list, dive into online review sites to gauge client satisfaction and case results. Look for DUI defense lawyers with four-star (or higher) ratings on Google, Yelp, and Avvo. Pay special attention to recent reviews: are clients praising swift communication, favorable plea bargains, or skillful courtroom advocacy? Conversely, recurring complaints—about missed deadlines, poor updates, or unexpected fees—can be red flags. Creating a spreadsheet to track ratings and standout comments will help you compare each attorney’s track record at a glance.
Step 3: Verify Credentials and Specializations
Before you commit to any attorney, it’s essential to confirm they have the qualifications and specialized training to handle a DUI defense in Florida. Credentials aren’t just window dressing—they reflect rigorous testing, peer evaluation, and ongoing education that can make a real difference in your case.
Start by checking whether your candidates have earned industry-recognized certifications or belong to exclusive DUI defense organizations. These indicators show an attorney who has gone above and beyond basic bar admission to master the nuances of impaired-driving law.
Confirm Board Certification in Criminal Trial Law
Board Certification by the Florida Bar is the gold standard for criminal trial attorneys in the state. Lawyers who earn this credential must demonstrate extensive courtroom experience, pass demanding written and oral examinations, and undergo peer review. Seeing “Board Certified in Criminal Trial Law” means the attorney has met strict proficiency requirements and stays current with evolving case precedents. To verify a lawyer’s status or explore the certification requirements yourself, review the Florida Bar’s Board Certification criteria.
Review the Attorney’s Professional Profile
A detailed attorney bio can reveal insights beyond a resume. On Michael Fayard’s credentials page, you’ll find his background as both an Assistant State Attorney and Deputy Prosecuting Attorney—experience that offers a strategic advantage in anticipating prosecution tactics. When assessing profiles, look for educational honors, multi-jurisdictional licenses, clerkships, published articles, or speaking engagements. Bilingual fluency (“Se habla Español”) and awards in trial advocacy also demonstrate a commitment to serving diverse clients and winning in court.
Check DUI Defense Organization Memberships
Membership in specialized DUI defense associations underscores an attorney’s dedication to this complex practice area. Groups like the National College for DUI Defense and the DUI Defense Lawyers Association require stringent membership criteria, including demonstrated trial experience and ongoing continuing legal education. Lawyers who participate in these organizations regularly attend seminars, contribute to case law discussions, and gain access to the latest research on blood-alcohol testing and field sobriety protocols. When you see these affiliations listed on a law firm’s website or LinkedIn profile, you can be confident the attorney invests in sharpening their DUI defense skills.
Step 4: Evaluate Experience with DUI Cases
Before entrusting your defense to anyone, you need to be sure your lawyer has real-world experience handling DUI matters in Sarasota courts. A track record of trial-tested strategies, a steady flow of DUI dockets, and concrete results can signal whether an attorney is battle-ready or best suited for paperwork-only cases. Here’s how to drill down into the numbers and stories behind each candidate:
Assess Years of Practice and Case Volume
Look for attorneys with a solid tenure—preferably five or more years focused on criminal law—and a substantial DUI caseload. An attorney who devotes at least 30% of their practice to criminal defense and handles dozens of DUI matters each year is more likely to recognize patterns, spot procedural pitfalls, and negotiate effectively. When you ask a lawyer about their experience, find out:
- How many years have you been practicing criminal law? Michael has been practicing criminal defense since 2008 (not including his time as an Assistant State Attorney in Sarasota County, or his time as a Deputy Prosecuting Attorney in Maui County, Hawaii).
- Approximately how many criminal cases do you take on annually? Michael spends the majority of his time and effort on criminal defense cases throughout the year.
- What percentage of your cases involve impaired-driving charges? Michael’s practice includes representing a large number of DUI clients in Florida, Hawaii, and Colorado.
These figures will give you a sense of whether the attorney’s expertise is deep and consistent enough to navigate your case.
Inquire About Specific Trial Experience
DUI defense isn’t just about paperwork and plea bargaining—it’s also a courtroom game. You want a lawyer who isn’t intimidated by a judge, jury, or opposing prosecutor when critical issues are on the line. During consultations, ask:
- How many jury trials have you personally led?
- What is your track record in contested DUI hearings?
- Can you share examples of cases you took all the way to verdict?
An attorney who regularly steps into the ring and argues suppression motions, cross-examines breath-test operators, or challenges field sobriety protocols demonstrates the confidence and skill you’ll need if your case heads to trial.
Examine Past DUI Case Results
Concrete success stories speak louder than credentials alone. A well-maintained case results page can showcase dismissals, acquittals, reduced charges, and favorable sentences. When reviewing these examples, look for:
- Cases similar to yours in severity and facts
- Innovative defenses that led to unexpected wins
- Negotiated outcomes that minimized penalties
By comparing these results with your own situation, you’ll gain insight into an attorney’s ability to turn past victories into the blueprint for defending your case.
Step 5: Confirm Knowledge of Florida DUI Laws
DUI defense in Florida hinges on more than knowing the penal code—you need a lawyer who’s fluent in the technical rules that govern testing, evidence, and administrative procedures unique to this state. The right attorney understands both the scientific underpinnings of blood-alcohol analysis and the nuances of Florida’s implied consent and drivers’ license statutes. Below are three critical areas where local expertise can make a tangible difference in your defense.
Mastery of BAC and Testing Protocols
Florida courts rely heavily on breath- and blood-alcohol concentration (BAC) readings. A skilled DUI defense lawyer will methodically probe every aspect of these tests:
- Calibration and Maintenance: Breath-testing instruments—commonly the Intoxilyzer series—must be maintained and calibrated according to manufacturer and Florida Department of Law Enforcement guidelines. Missed calibration logs or improper maintenance can be grounds to suppress results.
- Fifteen-Minute Observation Rule: Before administering a breath test, the officer must observe you for at least fifteen minutes to ensure you haven’t consumed alcohol, vomited, or regurgitated—any of which can introduce “mouth alcohol” and artificially inflate your reading. If the officer fails to document this observation or allows you to speak, a lawyer can challenge the validity of the BAC evidence.
- Blood-Draw Procedures: When a blood test is used—typically in serious-injury or refusal cases—the collection, storage, and chain of custody must meet strict standards. An attorney well-versed in Florida Statutes can pinpoint lapses in labeling, refrigeration, or witness signatures.
Challenging technical errors doesn’t require creating a new defense; it often comes down to holding law-enforcement and lab personnel accountable to the rules written in statute and rule.
Field Sobriety Test Challenges
Standardized field sobriety tests (SFSTs) like Horizontal Gaze Nystagmus (HGN), Walk-and-Turn, and One-Leg Stand appear straightforward—but in practice, conditions of administration can skew results:
- Environmental Factors: Uneven pavement, poor lighting, or weather conditions can throw off an otherwise healthy person. A thorough defense will reconstruct the scene and show how external variables affected your performance.
- Officer Training and Protocol: Each SFST has a defined procedure set forth by the National Highway Traffic Safety Administration (NHTSA). Any deviation—failure to instruct clearly, count out loud, or demonstrate each maneuver—can lead to suppression or impeaching the officer’s testimony.
- Subjective Scoring: Many of the test clues (such as “lack of smooth pursuit” in HGN) rest on an officer’s observation. A lawyer familiar with the science can call into question the reliability of these subjective determinations.
By dissecting every step of the field testing process, an experienced attorney can cast doubt on the officer’s evaluation and bolster your negotiation or trial strategy.
Navigate DMV and Administrative Hearings
A DUI arrest in Florida triggers a parallel administrative action with the Department of Highway Safety and Motor Vehicles (DHSMV). If you fail or refuse a chemical test, your license is automatically suspended unless you request a formal hearing within ten days. Legal representation at this stage is invaluable:
- Hearing Officer Standards: Unlike a criminal courtroom, the hearing officer only needs to find reasonable grounds for suspension. A lawyer skilled in administrative procedures knows how to present evidence—lab reports, officer testimony, calibration logs—to dispute that threshold.
- Tactical Timing: Winning a DMV hearing can preserve your driving privileges sooner. If your attorney files for a Temporary Driving Permit or challenges the initial suspension timely, you may avoid months without a license.
- Integrated Defense Strategy: An attorney who handles both the DMV and criminal aspects ensures that concessions made in one forum don’t undercut arguments in the other. This coordinated approach often yields a more favorable overall outcome.
Mastering these administrative details can be just as critical as fighting the criminal charge itself. A true Florida DUI specialist will make your DMV hearing an extension of the defense plan rather than a separate hurdle.
Step 6: Assess Reputation, Reviews, and Professional Standing
Before you sign on the dotted line, it pays to dig into an attorney’s reputation and professional standing. A stellar track record with clients and peers, plus a clean disciplinary record, can give you confidence that the lawyer you choose acts ethically and communicates clearly. Here’s how to vet reputation from multiple angles.
Research Online Reviews and Client Testimonials
Start by checking independent review platforms—Google, Yelp, Avvo—and note patterns in feedback:
- Look for consistently high ratings (4 stars or more) and read recent comments.
- Praise for clear communication, responsiveness, and favorable outcomes are good signs.
- Watch for red flags like surprise fees, missed court dates, or slow follow-up.
- Balance volume and quality: a handful of in-depth, positive testimonials often matter more than dozens of lukewarm five-star reviews.
Client testimonials on the attorney’s own website can offer further context, but give extra weight to unsolicited reviews from verified sources.
Verify Disciplinary History
Even top attorneys can face minor complaints—but you want to be sure there’s nothing serious on record. Use the Florida Bar’s public directory to:
- Confirm the lawyer is in good standing and licensed to practice in Florida.
- Check for any disciplinary actions, suspensions, or reprimands.
- Review the nature and resolution of any complaints to see if they raise concerns.
A clean profile reassures you that the attorney adheres to the state’s ethical rules and gets the job done without cutting corners.
Step 7: Understand Fees, Payment Structures, and Value
Navigating the cost of legal representation can feel like its own hurdle—especially when every dollar counts. Yet understanding how attorneys charge and what you’re getting for those fees is crucial to making an informed decision. In this step, we’ll break down common billing models, highlight how to leverage free consultations and payment plans, and show you why the cheapest quote isn’t always the best value.
Compare Fee Structures
DUI defense lawyers typically use one of three billing methods:
- Flat Fees: A single, upfront price for the entire case or specific phases (e.g., arraignment through plea). Flat fees often range from $2,500 to $10,000 or more, depending on the offense severity and anticipated effort.
- Hourly Rates: Charges accrue based on the lawyer’s hourly rate—often $200–$500 per hour for experienced criminal defense attorneys. You’ll receive detailed billing statements showing time spent on research, motion drafting, hearings, and correspondence.
- Retainers: An initial deposit that the lawyer draws from as work is completed. Once the retainer is exhausted, you replenish it or switch to an hourly arrangement.
Flat fees can offer predictability, while hourly billing provides transparency into where your money goes. Ask each attorney for a written fee agreement that spells out what’s included (court appearances, discovery review, DMV hearing) and what might trigger additional costs (expert witnesses, private investigators, trial preparation).
Inquire About Free Consultations and Payment Plans
Most DUI defense lawyers—including Michael Fayard—offer a complimentary initial consultation so you can discuss your case without risk. During this meeting, you’ll get a clearer idea of potential fees and legal strategies. If upfront costs are a concern, ask about flexible payment plans. Many firms allow you to spread fees over several months or tie certain payments to key case milestones. To see how these options work in practice, check out the firm’s DUI practice area page for details on free consultations and affordable payment arrangements.
Evaluate Overall Value Over Price
When weighing attorneys, resist choosing solely on cost. Instead, consider the value you receive:
- Experience: An attorney who’s handled dozens of Sarasota DUI trials may spot weaknesses in the prosecution’s case more quickly.
- Resources: Firms that work with forensic experts, private investigators, and specialized consultants often secure stronger outcomes.
- Track Record: A history of dismissals, reduced charges, and license-suspension wins can translate into savings on fines, lost wages, and long-term insurance premiums.
A lawyer who costs slightly more but delivers a significantly better result could save you tens of thousands in penalties, lost income, and future rate hikes. In the end, the right investment in your defense may pay dividends far beyond the initial legal bill.
Step 8: Schedule and Prepare for Initial Consultations
Once you’ve narrowed your list to two or three strong candidates, the next step is to arrange face-to-face or virtual meetings. The initial consultation is your chance to gauge how the attorney thinks, how they communicate, and whether they’re genuinely interested in your case. With a little preparation, you’ll make the most of these meetings and leave with a clear sense of which lawyer is the best fit.
How to Book a Consultation
Michael Fayard offers a free, no-obligation consultation to discuss your DUI charge, explain your options, and outline a preliminary strategy. You can:
- Call the office directly at (941) 999-9999 (example) to speak with a team member and schedule an appointment.
- Use the online form on the contact page to request a call-back or set up a video meeting.
- Email the firm at info@fayard-law.com with “DUI Consultation” in the subject line to get on the calendar.
Try to book consultations close together—ideally within a week—so you can compare impressions while everything is fresh.
Documents and Information to Gather
Having your paperwork in order helps your attorney assess the strengths and weaknesses of your case right away. Bring or upload digital copies of:
- Arrest report and police narrative
- Breath-test (Intoxilyzer) or blood-test results
- Traffic citations, ticket numbers, and court dates
- Witness names and contact details (if available)
- Notes on any field sobriety tests (time, location, conditions)
- Any correspondence from the DMV regarding license suspension
Organize these materials in one folder or PDF packet so you can share them easily during your meeting.
Key Questions to Ask Prospective Lawyers
A well-crafted list of questions ensures you cover all the bases and makes it easier to compare attorneys afterward. Consider asking:
- Case strategy: “Based on my facts, what are the strongest defenses you see?”
- Timeline: “How long do you estimate it will take to resolve my DMV hearing and criminal case?”
- Possible outcomes: “What are realistic scenario best- and worst-case results?”
- Communication: “How will you keep me updated, and who will be my main point of contact?”
- Fees and billing: “What is included in your flat fee or hourly rate, and do you offer payment plans?”
- Courtroom experience: “How many DUI trials have you personally conducted in Sarasota?”
- Next steps: “If I retain you today, what happens first—filing for the hearing, collecting evidence, or something else?”
Jot down the answers in your phone or notebook. After each consultation, compare notes on responsiveness, clarity, and overall rapport to identify which attorney makes you feel heard, informed, and confident.
Step 9: Evaluate Communication and Client-Attorney Fit
Finding a DUI defense lawyer who ticks all the technical boxes is great—but if you don’t click on a personal level, the journey can feel frustrating. Open, clear communication and a strong rapport make the process smoother and reduce stress. In this step, you’ll learn how to gauge an attorney’s availability, cross any language or cultural barriers, and decide if their style aligns with your needs.
Assess Responsiveness and Availability
Quick replies and predictable availability are non-negotiable when you’re staring down a tight deadline—like the ten-day window to request your DMV hearing. At your consultation, note how long it takes for the lawyer or their staff to respond to emails or calls. Do you hear back in a few hours, a few days, or worse, not at all? Ask whether you’ll have a dedicated point of contact—a paralegal or case manager—to handle routine questions. Knowing someone is just a phone call or text away can make you feel less in the dark and more in control.
Consider Language and Cultural Preferences
If English isn’t your first language, make sure you and your attorney can connect without misunderstandings. Michael Fayard’s firm offers bilingual services—Se habla Español—so Spanish-speaking clients can discuss sensitive details in their native tongue. Even beyond language, think about any cultural touchpoints that matter. Does the attorney show cultural sensitivity? Will they understand nuances like family obligations, work schedules, or community expectations? A lawyer who “gets” where you’re coming from is more likely to craft a defense strategy that fits your life.
Gauge Empathy and Professional Demeanor
Being arrested for DUI can feel isolating. You want an attorney who listens more than lectures—someone who pauses to answer your questions and explains legal concepts in plain English. During your consultation, pay attention to how the lawyer reacts when you describe your concerns. Are they dismissive or empathetic? Do they rush through your story or give you space to share every detail? A respectful, patient demeanor goes a long way. You’re not just hiring technical expertise—you’re choosing a partner for a stressful legal battle. If you leave the meeting feeling heard, valued, and understood, you’ve probably found someone who will treat your case with the personal care it deserves.
Step 10: Make Your Decision and Retain the Right Attorney
By this point, you’ve gathered case specifics, compared credentials and track records, asked tough questions, and assessed chemistry. Now it’s time to choose the lawyer who not only checks every technical box but also feels like the right partner for your defense. Trust your instincts, lean on the data you’ve collected, and move forward with confidence—because once you retain the right DUI defense lawyer, the path ahead becomes much clearer.
Create a Comparison Scorecard
A simple spreadsheet or table can turn your gut feelings into a logical decision. Include rows for each candidate and columns for:
- Credentials (Board certification, specialized memberships)
- DUI experience (years in practice, trial count, case volume)
- Fee structure (flat fee vs. hourly, payment plans, retainer amounts)
- Communication style (response time, point of contact)
- Rapport and cultural fit (empathy, language, courtroom demeanor)
- Client reviews and professional references
Assign a score (for example, 1–5) to each category. Totals make it easy to see which attorney consistently ranks highest against your priorities.
Finalize the Representation Agreement
Once you’ve chosen your lawyer, the next step is the retainer agreement. This document outlines:
- Scope of work (DMV hearing, motions, plea negotiations, trial)
- Fee arrangement (flat fee or hourly rate, retainer deposit, payment schedule)
- Expense obligations (expert witnesses, investigators, filing fees)
- Termination clause (how you or the attorney can end the relationship)
- Communication protocol (who to call for routine updates, billing questions)
Read every line carefully and don’t hesitate to ask for clarification. Only sign after you’re comfortable with the terms—then return the signed agreement and provide the initial retainer to officially engage your DUI defense lawyer.
Outline Next Steps in Your Defense
With your attorney officially on board, your defense springs into action. Common immediate tasks include:
- Filing your request for an administrative (DMV) hearing within ten days
- Compiling discovery: arrest reports, lab logs, officer notes, and body-cam footage
- Scheduling follow-up meetings to discuss defense strategy and expert witnesses
- Drafting or responding to pretrial motions (suppression, discovery disputes)
- Setting court dates for arraignment, pretrial conferences, and hearings
Your lawyer will guide you through each of these steps, coordinating deadlines and keeping you informed at every turn. By retaining counsel, you’ve not only secured expertise—you’ve established a clear roadmap forward.
Ready to take the final step? For a free consultation and to put Sarasota’s skilled DUI defense attorney on your side, contact Michael Fayard through the firm’s homepage today.
Wrapping Up Your Search
Finding the right DUI defense lawyer in Sarasota doesn’t happen by accident—you get there by taking deliberate, informed steps. From clarifying the specifics of your charge to vetting credentials, comparing fees, and gauging personal fit, each stage of this guide is designed to narrow your options and highlight the attorney who’s best suited to defend your liberties and reputation. You’ve learned how to:
- Zero in on your case details and defense priorities
- Leverage bar directories, personal referrals, and online reviews
- Confirm specialized certifications, trial experience, and local expertise
- Weigh fees against resources and track record
- Prepare comprehensive questions and compare impressions after consultations
By following these steps, you’ll minimize guesswork and maximize your confidence in the lawyer you choose. When the stakes are high, you deserve an advocate who not only knows Florida DUI law inside and out but also listens, communicates clearly, and fights for the outcome you need.
If you’re ready to take action, don’t settle for uncertainty. Reach out for a free, no-obligation consultation with Michael Fayard—Sarasota’s trusted DUI defense lawyer—by visiting the firm’s homepage today. A clear path forward starts with a conversation, and Michael Fayard is standing by to help you protect your future.
