Born and raised in Detroit, Michigan. Attended Henry Ford College in Dearborn, Michigan. Moved to the Bahamas in 1968 and was employed as an International Real Estate Consultant with Intercontinental Realty Ltd. Moved to Florida in 1975 and joined IDS Financial Services which became part of the American Express Group in 1984. During my twenty year tenure with American Express I was honored as one of the top 100 Financial Planners in America. Formed First Security Financial Advisors, Inc. in 1995 an an independent money management firm.