Certified Financial Planner™ Professional and with over 40 years in the financial services industry. Beginning by working for an insurance company while still attending Texas A&M University, then becoming a licensed stockbroker at 24, and the youngest Branch Manager for Dean Witter Reynolds at the age of 27. Continued working as a manager for Wall Street firms for the next 16 years. Recognizing the need for an emphasis on financial planning coupled with objective independent advice, founded Cross Financial Services, (now Financial Life Advisors) a financial planning and wealth management firm in 1993. A contributing author to the book, Prudent Practices for Fiduciary Advisers, publish