Born and raised in Toledo, Ohio, after graduating with both a BS and MS in Chemical Engineering from the University of Toledo, I began my first career at Procter & Gamble in 1973 working primarily in Product Development. I worked at P&G for nearly 29 fantastic years in various positions including Director of Product Development, Director of Beauty Care Technology Licensing and Vice President of Research & Development at Noxell, a P&G subsidiary. Along the way I also received my MBA in Marketing from Xavier University and my wife, Denise, and I adopted two children. Retiring early from P&G in mid-2002 a few months later I decided to pursue a second career in financial planning and investment