Born and raised in Baltimore, Maryland, the oldest of five siblings,

I obtained my degree in accounting/finance from Baylor University, Subsequently, I received my CLU and ChFC from the American College and then my CPA designation from the State of Maryland and am currently a member in good standing of the Maryland Association of CPA's.I have been active in the securities business since 1992. Accounts are carried by National Financial Services, LLC,  member of the NYSE and SIPC.