The Beginning

I was born and raised in New York. Irish, 5 kids and we’re all one year apart. Get the picture? Oh yeah and I’m the oldest.

What was I Thinking?

After dreaming for years about what it would be like to live in California I moved to San Diego in 1986. At the ripe old age of 23, I did what any 23 year old would do in a brand new city. …I went into the Financial Services Industry. That’s right, selling Life Insurance and Investment products. Hey I knew one whole person there! That’s better than not knowing anyone…right?

The Mission

No doubt the odds were against me so I immediately set two goals for myself. 1. Learn the business better than anyone else. Through rigorous study I obtained the designation of CLU and ChFC. I won’t bore you with all I learned, but just know these two designations are held by a very small percentage of financial services professionals and I am very proud to have them. It helps when you know more than your competition! 2. Focus on relationships, trust and referrals. It also helped that the company I went to work for was New York Life. The financial stability and name recognition of such a company gave me a bit of an edge. Also New York Life is well known to have a superior training system for new agents, and I can say I certainly benefited from it.

Working in the Financial Services Industry has been very rewarding from many standpoints. Not the least of which is watching my clients prosper based on my recommendations. This was especially true for my first 15 years or so in the business. However…..

The Problem

About 10 years ago I noticed more of my clients were burdened with debt. And as everyone knows, the more debt you have to service, the less money you have for things like life insurance and investments. I started to question why so many people were not gaining ground financially. The best I could do in many cases was to recommend people look into various debt reduction programs. However, in my experience many of the budgeting, and how to manuals did not work long term (sorry Dave and Suze). The effects were usually similar to someone losing weight. It may work for a while but the underlying problem was a lack of discipline.

What I started to realize was that the rules of the game have changed. What I mean by that is; the traditional financial planning strategies that we relied on in the past were no longer working. For many years, planners like me just concentrated on what’s coming in the front door but completely ignoring the interest tat’s going right out the back door.

The Answer

In 2006 I was introduced to a program called the Money Merge Account. This is when I had a major revelation. The revelation was that “The current system is broken”! As long as planners are not compensated for helping their clients get out of debt, they will continue to focus on the asset side of the equation. Remember, we get paid a commission to sell financial products. Not only is there no financial incentive, many planners are unaware of the Money Merge Account or have dismissed it before even looking at it… Just as I almost did!

The Paradigm Shift

This is when I started to open my mind. It became clear to me that so much money was pouring (not leaking) out of my client’s financial bucket and all I had been focused on was trying to get the money in the bucket to perform better. That is no longer the case. I’m happy to say everyday more and more of my clients are becoming happily involved with the Money Merge Account and are rapidly eliminating all of their debt including their mortgages. I am truly fascinated by it and what it does.

My Passion

With my new “open mind”, I recently stumbled upon a little known concept called Infinite Banking. It does for the Asset side of the equation what the Money Merge account does for the debt side of the equation.
After holding a Securities license for the past 23 years I did not renew it this past May. I am certain my current and future clients will create more wealth without relying on the performance of traditional investments like Mutual Funds. I have done extensive research on this strategy and I have never been more confident that this is not only what my clients need but what our Country needs as well.

About Me

From San Diego, I moved back to New York in 1996 to spend some quality time with my ageing Dad. No doubt it was one of the smartest decisions I have made in my life. We spent 5 great years together that I will cherish forever.

I’ve been living in Miami for the past 10 years. I am happily married to my gorgeous wife Maria. I am as much in love with her today as I was the day I married her. She is my best friend.
My daughter Ren is the center of my Universe. She is the greatest gift I have ever received. Words could not express my love for her and how she has brightened my world.
I am thankful for each day and believe the best is yet to come!