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About Me

For more than forty years, I have been interested in money. How to make it, how to save it, and how to make more of it by investing.

I currently run a private, highly-restricted wealth management practice serving high net worth families. Because the restrictions of my practice limit me to serving fewer than fifteen clients at a time, I started this blog as a way to share my knowledge with a wider audience – especially hands-on investors who may not have the means or access to working with a private wealth manager.

Background and Experience:

Outside of a short stint in the U.S. Marine Corps, my career has spanned the worlds of business, real estate, and finance. I started as a commercial bank lending officer with one of the top three, “too big to fail” banks. I was an account advisor with a boutique investment counseling firm. I had a twenty year run with real estate, dealing in investment properties as broker, manager, and general partner in both California and Texas. I launched an international distribution network and became dually licensed in both life insurance and securities.

I am comfortable advising on securities, insurance and real estate, and know how to improve both sides of a balance sheet. I know that the retirement/investment complex is structured to serve the interests of the product providers and producers, and not the end client. And, more importantly, I know how to get around that.

On a personal note, I have been married for nearly 30 years and have two children in their mid-to-late twenties.

Education:

  • Certified Financial Planner accelerated program at Rice University, School of continuing and professional education.
  • Ph.D. in Business from Golden Gate University in San Francisco. Served on the adjunct faculty at San Francisco State University, in both the undergraduate and MBA programs.
  • M.B.A. from University of California, Berkeley, major in International Business.
  • B.S. in Finance from Colorado State University.

Professional Designations and Licenses:

(Please note that to eliminate any potential for conflict of interest with my wealth management clients, I have let all my commission producing licenses expire, and the only professional credential I have maintained is my Certified Financial Planner designation.)

  • Licensed Real Estate Broker in Both California and Texas 1974-1994.
  • CCIM: Certified Commercial Investment Member, a professional earned designation signifying expertise in investment real estate.
  • NASD Securities License, both National and State of Texas.
  • State Of Texas, Life and Health insurance license.
  • Investment Advisor Representative Designation.
  • Certified Financial Planner {CFP} ® from 2005.
  • Licensed NASD Arbitrator, alternative dispute resolution.
  • Licensed Commercial Pilot, with instrument and multi-engine ratings.
  • Mensa: Qualifying membership