I am an attorney, registered investment adviser, and medical practice consultant. As it relates to finance/investing, I am the President of Prosper Financial Management, LLC, a registered investment adviser based in Nashville, Tennessee that provides financial planning and investment management services. At Prosper Financial, I assist clients with budgeting, financial planning and investing, generally for a flat, quarterly fee. http://www.prosperfm.com I have been passionate about investing and financial planning since I took a simple economics course late in high school. That passion only grew while obtaining my business degree and MBA. While in undergraduate school, I interned for an investment adviser and became disillusioned about working in the industry while still fascinated about the actual topics of investing and financial planning. After practicing law for approximately five years--I am almost in my ninth year now--I decided to change my practice. At that point my law career I had seen too many people come to me after their financial lives had been ruined by following bad advice. In some cases, an office manager or other trusted advisor duped the individual into making poor decisions such taking an inappropriate tax position or borrowing money to purchase multiple condos at the height of the real estate bubble. Other times, the client met with me after making significant private investments at the behest of an investment or financial adviser that were either scams to begin with or just did not work out. These people often lost hundreds of thousands of dollars and, in some cases, additionally suffered from severe tax consequences that only added to their burden. This combination of new clients, the desire to help prevent others from making similar mistakes, and my personal passion for finance and investing led me to form Prosper Financial. Collectively, Prosper Financial and my law practice enable me to help clients make good decisions in almost all facets of their lives, including contract negotiation, real estate purchases, dispute resolution, tax and estate planning, financial planning and investment management. This broader relationship gives me a different perspective in advising my clients, as I am not only thinking about how to resolve their current problems, but also how those problems will affect their long-term financial plan. As an investment adviser, I generally prefer the use of index mutual funds and exchange traded funds to inexpensively obtain the right portfolio for each client, considering their goals and risk tolerance. I will encourage the client to use dollar-cost averaging and periodic portfolio rebalancing, factoring the condition of the markets and economic environment. Under certain circumstances, I will use individual security purchases, including options on very rare occasions, and I am a big fan of dividend growth investing. I have learned a great deal from the amazing contributors at Seeking Alpha, and I hope that I can provide some value in return.