I earned my BS in Finance from FSU in 2000, and my MS in Financial analysis & investment management from SMC in 2010. I am a branch manager for Citi and have held my securities licenses since 2006. My branch works primarily with business owners as well as high net worth & mass affluent individuals and families to provide a full range of financial services including banking, investments, insurance and loan products. Since many of our clients are business owners, we seek to create personalized portfolios based on the stage of the business cycle of the company. Additionally we attempt to diversify so the portfolio is not highly correlated to business owners industry. My personal investing philosophy is mostly that of a value investor. I still believe in the assumptions behind modern portfolio theory, despite the fact that it is currently trendier to deny MPT these days.