I have over 16 years of professional sales, business development, and negotiation experience in the financial Industry. Professionally trained in consultative selling techniques by two of the nation’s top financial institutions. Experience includes business & residential mortgage finance, consultative sales & strategic marketing, business plans, cultivating business relationships & quality customer service.

Retired attorney.

Real property financing and acquisition.

Business acquisitions, businesss organization, business operations.

Business plans.

Non-profit organization, Charitable organizations.  Tax exempt status.

Professional Services management.  Professional services marketing.

Formation and management of business entities; partnership agreements, LLC operating agreements. bylaws.

Contracts, licenses, non-competition agreements, employment agreements.  Independent contractor or employee issues. 

Business buy - sell agreements.

Real estate sales and real estate leases.

Coin Laundry

Liquor bottling, janitor/building services,property management, bowling & billiards,business broker,retail store supplies & fixtures, bars,

Spent 38 years in banking doing commercial lending. Estimate that I worked with over 1,500 businesses in that time; one as small a $50K per year in sales and one as large as $150MM.  Experienced in lending to manufacturers, retailers, commercial and residential construction, medical, hospitality, many service providers and limited agricultural industry.     

Served 37 years in US Coast Guard and Reserve, rising from E-1 to E-9 and retired as Lt. Cmdr.  

Have spent over 30 years teaching banking and finance courses at the collegiate level part-time.

Joined SCORE in 2011 and have been Chapter Chair for 1.5 years.