Investment advisor for over forty years, the last thirty plus years with Morgan Stanley and its predecessor firm. Vice President at E. F. Hutton for 8 years prior, and prior to that worked on Wall Street for the venerable specialist firm of Conklin and Cahill. Earned a Bachelor of Science degree at the University of Miami, graduating Summa Cum Laude, majoring in Finance with a minor in Economics. Registered Investment Advisory Agent. Has a Series 7 General Securities license, as well as a Series 65 and Series 63. Licensed in Insurance and Annuities. State Registrations: AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, KY, MA, ME, MI, MT, NC, NE, NJ, NV, NY, OH, OR, PA, SC, TX, UT, VA, WA. NMLS # 1482062 Lives in Rancho Santa Fe, California but considers the Jersey shore his second home. Enjoys spending time with daughter and son and is dedicated to supporting local charitable causes. Has an active lifestyle that includes golfing and skiing. 