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About the Author


Bachelor’s Degree in Mathematics

Master’s Degree in Business

Chartered Financial Consultant

Registered Employee Benefits Consultant

Chartered Life Underwriter

Picture of the Author.

U.S. Naval Officer (4 years) on U.S. Destroyer ships in the North Atlantic and Mediterranean Seas

Business Management (20 years) in small to medium sized businesses

Self-employed in the Financial Services Industry (25 years)

Born in poverty in Appalachian Mountains of Eastern Kentucky

Married fifty-two years with three children

Scout leader in Boy Scouts and Cub Scouts

Owner of two U.S. Patents

We the People, Equal Freedoms, Equal Protection.