I firmly believe that it is a great honor and privilege to be a steward of my client’s financial resources. My passion and love of the financial markets began as a young child and continues even after 25 years of working in the industry. Since long-term fiscal stress is a growing concern, my focus is providing financial freedom, especially during one’s retirement years. To accomplish this, I believe in focusing on three personal factors: 1. Know thyself, 2. Manage your fear and greed emotions, 3. Be the turtle to win the financial marathon. Being a fixed income portfolio manager for over 2 decades has only reinforced my belief that slow and steady positive returns over time generate the m