I have been in this business for over 30 years guiding families and individuals through the landscape that is the US economy and personal finance. I hold a Bachelors and a Masters in Economics from UC Berkely ad USC respectively. Professional certifications include Certified Employee Benefits Specialist (CEBS), Registered Financial Consultant (RFC), and International Association for Financial Planning (IAFP). I started out on my own and have built a tax practice from the ground up over decades. I am guided by my deep experience, common sense, and layers of education.