EXPERIENCE

Over 35 years of hands-on experience as financial and real estate consultant to various title companies, corporations, CPA's, attorneys, partnerships, credit unions, and non-profit organizations. Completed real estate appraisals, valuations studies and feasibility reports and brokered residential, multi-family, commercial and undeveloped property throughout the southwest. Have hired, written the training manual and trained numerous real estate agents and managed a commercial real estate office of 45. Acted as expert witness on several cases.

For last 25 years, major focus has been in personal financial planning. Expertise has covered estate and pension planning, living trusts, charitable gifting, analysis and management of investments (stocks, bonds, partnerships, REIT's, mutual funds), life, disability and long term health insurance, estate planning, annuities, retirement planning and national and international economic analysis. Have written and taught extensively in all fields. Most work is contracted as a fee financial adviser. Have acted as expert witness on securities cases before the NASD.

National Securities Instructor for security licenses Series 6 (mutual funds, variable annuities); Series 7 (stocks, bonds, options, economics, margin, security regulations); Series 8 (General Securities Sales Supervisor); Series 22 (limited partnerships, personal and corporate taxation); Series 24 (Securities principal); Series 26 (Investment Company principal); Series 27 (Financial Operations principal); Series 62 (Corporate Securities) and Life Insurance preparation and continuing education courses for Dearborn Financial Institute and Securities Training Corporation. (1983- 1997 )

Professor/Instructor for University of California at Berkeley and Irvine, University of San Francisco, Orange Coast, Santa Ana, Coastline and Scottsdale Community Colleges. Includes MBA course in Real Estate Finance and courses for UC certificate designations in Financial Planning and Investment Real Estate. (1977- 1999)

Instructor in insurance and Continuing Education for A.D. Banker (1995- 2002) including courses in Estate Planning, Managed Health Care, Annuities, Long Term Care, Qualified Retirement Plans, Government Programs and Medicare Supplements, Disability Income, Ethics, Principles of Contract Law, Principles of Agency Law, Taxation of Life Insurance and Annuities, and Financial Products for Financial Planning.

Arbitrator for National Association of Security Dealers, Pacific Stock Exchange and the American Arbitrators Association (1987- 1998).

Registered Representative, Registered Principal and Financial Operations Principal for broker dealer firms; Director of Advanced Planning for major insurance company. Management of securities and insurance agents. (1981- 1990).