Professor R

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Professor R

Advisors/Process

Past experience: Edward Jones broker tried to sell annuity - fired him

Manages own financial decisons

History/Values

Birth of child = mosts significant experience in life - nothing compares

Most satisfying time in life: - Fall 2011 - teaching 1st time - always wanted to teach - have great impact on students' lives - nice to see students change/develop - likes to be good influence/impact on others

Life experience made you better in workplace: - Navel Jr. Retirement Officer Training/Master Sargent William Pageant (retired Marine) "Don't worry about the Admiral, he puts his pants on one leg at a time like you do" - don't need to be intimidated by/nervous around people - Father gave exposure to people/money going out to fancy restaurants

#1 regret regards to money: - not saving earlier than 10 yrs. after completing college - having student debt

Money = Ability to do things/Freedom - dinner, movies, travel

Great accomplishments: - mentoring now sucessful probate attorney - sold practice to struggling lawyer, mentored/helped 1 yr - received gratifying public thank you at wedding - regards to Financial Planning: influencing the course of debate-fiduciary standards in Congress, SEC, DOL - ability to integrate legal/financial planning backgrounds

Other jobs/careers as: - Disney - various characters/toured stars around - Lawyer - Financial Planner (current) - Professor (current)

Financial Planning career trigger - Prudential financial consultant/educational program design in Newark, NJ - Helped 5 CPA's design own firm

Self-inspired to be a Financial Planner - always had interest - 19 yrs. old Tin Man read stock market books - exposed to financial plan portfolios when a lawyer/ talked about LT care insurance - Estate research/consultation

Other jobs - shared money with mom

First job - 10 yrs. old - $20 Sears mower - moved neighborhood lawns

16 yrs old - 10th grade - Advanced English - McMahon sweater instead of jacket

Grandmother bought clothes/not stylish

Lived w/wealthy father during summers

Mother struggled to make ends meet/good provider

Parents divorced when 8 yrs. old

16 yrs. old moved back to St. Petersburg, FL for Jr/Sr year at military HS

8 yrs. old moved to Charlotte, NC with mother, brother, & sister

Fished for mullet/sold in neighborhood

Rode bike on 10 mile boulevard

Grew up St. Petersburg, FL

Optimistic outlook on life - things always work out in the end

Interests

Charitable contributions: - Money: ASC Financial Planning Program Development Fund - Time: professional organizations - - NAPFA - Financial Planning Association - CFB Board

Hobbies: - Research/writing - Tennis/golf - Sailing - Movies (doesn't watch TV except occaional sports - Traveling - learning about new places/cultures

Sports: - Florida Gators - Boston Red Sox - Patriots

Relationships

Common interests with wife: - enjoy family, movies, traveling, gambling - hobbies different: wife enjoys cooking, gardening, fixing things with hands, computers - exact opposite personalities

Schools after High School: - Coast Guard Academy - Community College - Law College

Pets - dog Emmy/Australian shepherd mix

Enjoyed spending 3 days this summer with 6 yr old step-grandson

Lives/lifestyle impact by financial decisions: - wife and children

Goals

Want to help children get through college without debt and help set them up an enjoyable job

Similar retirement goals w/ wife: - live close to family/spend more time with them - travel

Retirement (personal goals): - continue research/writing about Financial Planning and Fiduciary Law (viewed as one of national experts) - have close relationship with grandchildren - spoil them - travel/sail around U.S., Mexico, Mississippi River

Retirment (when to): - would like to continue teaching as long as physically/mentally capable - 70ish - First phase most difficult - transition from work office to home office

Most important current financial issue - to sell your part of the business to partners

Ultimate financial planning career goal: have a professional regulatory organization run by financial planner that follow fiduciary standards regardless of licensing - dramatically affect America's ability to save for retirement

Long-term Challenge: making all financial planners fiduciaries