About Us

In 1973 I graduated from the University of Northern Colorado. Up until about midway through my 3rd year, I thought I wanted to be an accountant, then I realized that I really didn’t like day to day accounting. I therefore ended up with a degree in Management. But then the story starts. My family didn’t have much money so I had to work full time during my last 2 years of school in order to finish. I made right at $7,600 that last year and ended up paying about $1,000 in income taxes for that year. It didn’t seem right to me that a student working full time just to make ends meet should have to pay that much in income taxes. Then it got worse, I found out that Mr. Nixon who was just resigning about then made over $200,000 that year and paid $0 in income taxes. That is when I decided to learn the tax business.

In 1980 I opened my business to do tax preparation for other people and got my first two customers, of which both of those are still clients today. It grew from there to where I have done every type of return that there is. My office now prepares over 500 returns per year.

By 1992 I had over 200 clients and opened the business as a full time business. Because you end up knowing a lot about people’s finances from their tax returns I ended up showing people how to pay less taxes through the use of tax deferred annuities and so I got my insurance license. I ended up both writing a book and teaching classes on tax deferred annuities. See the annuities page for more details.

As stated earlier I have always considered that my primary job is to help people keep the money in their own pockets. I wrote my second book:

“Financially Intact” – ‘Making money is easy, keeping it is the hard part’ in 2015.

financial intact book cover
I am tired of seeing all the bad information and trickery that firms use to depart good hard working people from their hard earned monies and so I strive everyday to help inform people of both the strengths and weaknesses of every product that they might be considering.

The one thought I want to leave you with here is this: You can’t get a second opinion from the person who gave you the first.

I am well versed in most personal financial matters. So whether you have questions about social security, medicare, the right risk mix, reverse mortgages or annuities, I would be glad to meet with you and have that conversation. I offer a free “meet” meeting and then I do consultations at $150 per hour. My office is in Longmont, CO and the phone number is 303-776-0867