I was born and raised in Haverhill, Massachusetts, where I attended public schools before earning my undergraduate degree from the University of Vermont in 1969 and a Master’s degree from the University of Massachusetts Amherst in 1973. My first career was as a high school teacher. That role sharpened my ability to communicate clearly and stay organized, skills that continue to shape how I work with clients today.
In 1986, I decided to take a new path in helping people achieve their goals and became licensed as a Registered Representative. That decision marked the beginning of a lifelong commitment to guiding individuals and families toward financial confidence. To build on this foundation, I became an Investment Advisor Representative, providing fee-only investment advice designed to put clients’ interests first.
I also hold licenses in life, accident, and health insurance, which allows me to offer well-rounded guidance that supports many aspects of my clients’ financial lives. In 1989, I earned the Certified Financial Planner Board of Standards designation after completing a rigorous two-year curriculum and examination process. This milestone deepened my expertise in investments, insurance, taxation, retirement planning, and estate planning. I’m proud to uphold the CFP® commitment to high professional standards and continuing education.
My dedication to the profession extends beyond my own practice. I’m an active member of the Financial Planning Association and have served on the Board of Directors of the FPA of Northern New England, working to promote ethical and professional standards in financial planning.
Outside of work, my family means everything to me. My wife, Lee, and I have two children. Our son, Michael, and his wife, Julie, and their daughter, Bella, live in North Conway, New Hampshire. Our daughter, Lauren, and her husband, Ayman, and their daughter, Ayla, split their time between Asheville, North Carolina and various locations in Egypt.
Lee and I have made many visits to Egypt, where we have spent considerable time in Cairo, El Gouna, and Sharm el Sheikh. Over the years we've also traveled extensively throughout the U.S., Europe, and the Middle East. In addition to travel, we enjoy following spectator sports, especially the Boston Celtics, New England Patriots, and Boston Red Sox.
Above all, I find real joy in helping people strengthen their financial future. My work focuses on helping clients accumulate assets for retirement and generating income strategies for those already retired. Drawing on my teaching background, I make it a priority to explain complex concepts in a way that’s easy to understand. Many clients have told me they appreciate my patience, clarity, and ability to make financial planning feel approachable.