As a trusted partner of Coastal Federal Credit Union I have a strong history of working with credit union members, their family and their friends. Over the last 20 years, I've developed deep, consultative relationships with my clients and helped them make sound financial decisions consistent with their risk tolerance, investment time-line and goals. Working together, we create a customized plan to help achieve three key financial goals: 1) wealth accumulation during your working years, 2) security and independence in your retirement, and 3) transfer assets in the most advantageous way. Depending upon your unique family or business situation, your individualized plan may also include development of a trust or more in depth estate planning, for which I have undergone advanced training in order to accommodate.

In today's fast paced world, many people do not have the time, energy, or desire to do adequate research, monitoring and management of their investments. Additionally, when your net worth reaches a certain level (generally $100,000 or more), your needs become more complex and often require a higher level of service. A personalized management approach to your portfolio may be the right choice for you. Here's a sampling of what you receive when you choose professional management of your investments:

• Access to institutional investment professionals
• Enhanced diversification options
• Asset-based fees rather than commission-based
• Timely, action-oriented management of your wealth
• Access to expert trust services and estate planning

If you'd like to your portfolio to have the special attention your investments deserve, then let's get together and discuss your unique situation and your options.

I am a Registered Representative of CUNA Brokerage Services, Inc., member FINRA/SIPC. I am also a licensed representative of CUNA Mutual Insurance Society, Hartford Life Insurance Company and Sun Life Assurance of Canada.

It's easy to get started. Please contact me for a no-cost, no-obligation consultation.

• MBA Finance - Northern Illinois University, DeKalb, IL
• BS Quantitative Methods - University of Illinois at Chicago
• CERTIFIED FINANCIAL PLANNER since 1993

Affiliations . . .

• Financial Planning Association, Denver, CO
• Cary Chamber of Commerce, Cary, NC
• Member of St. Michael Church, Cary, NC
• Member of Knights of Columbus, Cary, NC

• In 1987, started financial services career with American Express in Chicago specializing in retirement and estate planning.
• In 1996, after operating a successful financial planning practice with American Express for ten years, transitioned into management and served in various leadership positions with American Express, AXA Advisors, MetLife, and Edward Jones.
• Prior to 1987, served as a financial manager for Mobil Oil Corporation for 13 years in Chicago, New York City, Washington, D.C., and West Palm Beach.  In 1983, served as the Financial Projects Manager on President Reagan's "Private Sector Survey on Cost Control in the Federal Governmant" aka the "Grace Commission".

• Hometown is Chicago
• Born in 1947
• Married to Marilyn, who has a background in elementary school administration
• Three children: Garrett, Carolyn and Marla
• Enjoys tennis, fishing and travel