I started my business career in 1989, and have been in the financial services industry for over 27 years. I’ve been a financial planner since 2005, and I currently specialize in Principles-Based Financial Planning & Estate Planning Coordination. I received a Masters degree in Business Administration in 1999, and continue to have a love of learning new things. Although I have clients all over the country, most of them are currently in Utah, Idaho, and California. I was born in Pennsylvania, grew up in Southern California, and have lived in the Salt Lake Valley for the past 19 years. I speak Spanish fairly well, love great food, and have been active in sports my whole life. I’ve been married to my sweet angel Debbie for 37 years, and have been blessed with 5 children and 6 grandchildren.