Filing the FAFSA for Higher Education Costs



To advise wealthy individuals and business owners regarding effective wealth accumulation and management, income distribution, wealth transfer and life insurance analysis.

Description of Abilities:

  • Assist clients in developing meaningful objectives to aid in effective wealth accumulation, wealth accumulation transfer, and life insurance.
  • Have excellent listening skills.
  • Communicate complex concepts simply.
  • Develop creative, practical solutions to complex financial problems.
  • Possess forthrightness and integrity beyond reproach.
  • Utilize and refine sophisticated proprietary financial modeling software.


1982 - Present - Financial Planner with Sagemark Consulting, a division of Lincoln Financial Advisors Corp.



  • Member of The Ohio Contractor's Association
  • The Million Dollar Round Table* qualifier
  • International Association of Certified Financial Planners
  • Cleveland Association of Insurance Financial Advisors
  • Premier Partners**


  • B.S.B.A., Youngstown State University, Magna Cum Laude, 1980, Accounting
  • M.B.A., Cleveland State University, 1984
  • CERTIFIED FINANCIAL PLANNER™ certification, 1986
  • Ongoing attendance at local, national & international seminars


Offices in Cleveland, OH and Naples, FL.


*To qualify for the Million Dollar Round Table members must meet a certain level of premium, commission or income during the year. For details please visit
**Lincoln's Premier Partners Program is an internal designation based in part on assets under management, sales and compliance criteria.