Phil is the big engine that could! It was a process for sure. But he guided me through every aspect. He is is my friend now. I am happy with the outcome. Still working on getting this place ready. But it’s all good. I been part of Wintrust for some time now. Banking at state bank of the lakes since I was 7. (State bank of Antioch) I would and do tell people to bank with a Wintrust branch. Thank you for getting me on a clear path for my future. Agian Phil is top notch. His team is too .