Certified financial fiduciary. Master’s degree in business and finance. Thirty years’ experience as an investment broker. Extensively pursuing continuing financial education. Recognized by Who’s Who in Business and Finance.

People should start saving and investing as soon as possible. They should learn about compounding interest and compounding debt. Where possible, insure your income while young. Plan for life-time guaranteed income with COLA (pension or equivalent). Create long-term care plan to protect accumulated assets. Diversify accounts (Long-term, short-term taxable and non-taxable holdings).

I will contact you when and how you want. I will provide financial literacy education for you and your family, especially the kids.

I work with cash, insurance, annuities, bonds, 529 college plans, mutual funds, and simplified employee pensions (SEPs).

Yes, and I’m duly certified.

Commissions, and hourly fees for advice and/or referrals.

The plans I typically use have a cancellation clause and money-back provision.

If I get a commission, I charge nothing to my clients. If clients want only advice, my normal rate is $135 per hour. Faith-based organizations, non-profits, and low-income families, I offer pro bono service.

Yes. If there is a board of directors, I will ask for a consensus vote.

Yes. Most of my work is currently pro bono.