What makes me different from any other Certified Financial Planner, Financial Advisor or Wealth Manager that you will ever meet, is I only accept individuals and couples who share my vision of becoming 100% debt-free, including their mortgage, as soon as possible, typically within 5-12 years, those who will listen to and follow sound financial guidance, not make excuses to stay in debt, and who will make my vision of their future, their vision, so they will remain on course and achieve financial independence on their terms. 

I am not a sales person, I am a teacher, a motivator and someone who will inspire you to change your thinking about money and investing in order to change the trajectory of your financial future. If you hire me, we will begin our relationship by getting to know each other, so I understand your current situation, as well as your needs, goals and dreams. I will take the information you provide to create the following:

1. Balance Sheet - Create a snapshot in time on a single page, showing your assets on the left (what you own), your liabilities on the right (what you owe), and the difference as your financial net worth. This becomes our starting point to measure your future financial progress.
2. Cash Flow Statement - Again on a single page, you will see your income (inflows) on the left and your expenses (outflows) on the right, with the difference being your residual or available income to enjoy life.
3. Written Debt Pay off Plan - For those interested in working with me, again at no obligation to become a client, together we will create you a written debt pay-off plan. I have found from years of experience that most individuals and couples, with a little focus and discipline, can become 100% debt free, including a 30 year mortgage in as little as 10-12 years. Some, including myself have done it in as little as five years, depending on how determined you are to get out of debt.

My "why" is driven by childhood and early adult experiences. As a child, I felt as if I was a financial burden on my family, as I watched my mother struggle to make ends meet. I was bullied at school because I could not read, write or spell, due to undiagnosed dyslexia, which led me to feel like I was a disappointment to my father, the smartest man I have ever know, even to this day, as I tried my best to live up to his high expectations. These events drove me to become an academic overachiever and put me on the path to seek and to achieve financial independence, so I could have "more" control of my own destiny.

Like most people I found myself working hard, while struggling financially. In my first career as a Design Engineer I grew tired of creating, designing and launching new state of the art products that made corporations and executives in those companies wealthy as I struggled financially.

After the 2000 tech bubble burst, while I continued to love technology, I wanted and needed a change. I went back to night school to complete all the coursework to become a Certified Financial Planner to help others like myself to learn to make better financial decisions and to work toward achieving financial independence.

I would go to work major companies on Wall Street for 10+ years before escaping to go independent ten years ago. Being an independent financial advisor allows me to build and operate my business my way, accepting only those as clients who listen, appreciate how I help them, and act on sound financial advice.

By walking the talk and becoming debt free by following my own advice, I earn the respect and confidence of my clients, and that helps me attract new clients. I purposely limit the number of individuals or couples I will accept as clients, so I can give each client all the time and attention they want or need. In my spare time, I give back to society by helping non-clients to get on the right path financially, as nothing pleases me more than knowing I am making a difference in others lives.