I grew up on our family farm located in NE Ohio's Summit County and
graduated in a high-school class of forty-seven students in Hudson, Ohio.
In the middle of my last high-school year I asked my parents to give their permission for me to enroll, as a 17
year-old minor, in the US Naval Air Reserves "weekend warrior" O-2 training program at the Akron, Ohio Naval Air Station.
After spending part of the summer on active training duty I commuted from home to Kent State University and to NAS Akron. The following
summer my Navy Squadron flew an east coast logistical air wing based at Norfolk, VA Naval Air Station. I have fond memories of
flying at 17 - 20 years of age in these Navy propeller-driven airplanes: PBY, SNJ, SNB, TBM, and R4D.
Wishing a broad liberal arts education, I attended Ohio State University and graduated with a B.S. degree from its College of Arts and
Sciences. Back in those days there was a room in the Student Union devoted to classical music in which one could always find a
comfortable chair even when the building was crowded and no seat could be found elsewhere. One of my most valuable college experiences was
discovering how much I enjoyed classical music. I have posted elsewhere online a few music
After working with corporations for 16 years, despite having moved successfully into management, I decided to work for myself. I left New York
City forever and returned to my mid-western roots. In the course of a year I built an early Century-21 real estate franchise into the S.E. Ohio
region's leading office in all areas: recruiting, listings, sales, and profit.
Bored with that business, I began to study the way that personal financial products were marketed, especially "savings-type" or
"money-back" life-insurance. These were financial contracts that I could never fully comprehend. After sending away for The Consumers
Union Guide to Life Insurance and reading it carefully, it became obvious to me that accurate information was needed from other than the
corporations' trained salesmen and their clever General Agents.
I studied several books on the subject,
including Norman F. Dacey's What's Wrong with Your Life Insurance, G. Scott Reynolds' The Mortality Merchants, the classic chapter #13 on
life-insurance in Venita Van Caspel's Money Dynamics, and Randal A. Hendricks definitive study, "A Legal Analysis of the Sale of Life Insurance",
[The Houston Law Review 810 (1969)]. I decided to recruit and train a marketing organization that would accurately inform consumers, enabling
them to make financial decisions in the interest of their families rather than in those of already financially bloated life-insurance corporations.
Before the personal computer age I struggled to learn how to program the TI-59 in order to provide responsible agents throughout the country a means of
calculating and presenting replicable and accountable financial product analyses for their clients at the point of sale. I met and joined forces with a
couple of older highly successful and experienced sales executives, the men who introduced the marketing of mutual funds to the American public. Together,
over the next several years, we worked with progressive insurance companies for which they designed products my own
I wrote and self-published Financial Recovery. Advertised in full-page ads in "Life Insurance Selling" magazine where it received a favorable
review, thousands of copies were bought by individual agents and agencies across America where it helped to create substantial industry changes. I built,
owned, and managed a company that became one of the top volume diversified brokerage agencies in America, marketing selected
financial products nationally including tax-deferred single-premium annuities before the tax-law was changed from FIFO to LIFO effective Aug. 14, 1982 and
selling attractive unregistered tax-sheltered investments before the IRS eliminated them with TEFRA.
A few of my licensed General Agents held securities registrations. After considering that sales area, and before moving to Florida in 1986 I
concluded that I had no interest in selling stocks, bonds, and what a bright friend of mine referred to as "funny funds". P & L objectives of financial
corporations constitute a conflict of interest with savings and retirement interests of working men and women.
I miss family and friends who have departed life, especially my brother and a special lady. I greatly enjoy meeting new people and value friends made
in Sarasota, including a few in our local Mensa group. Since selling my sailboat I work at my own pace. I also write columns online, many picked up by
progressive web sites. I also write about matters that interest me, including ones that address safeguarding personal assets.