I am a seasoned entrepreneurial adventurer and am doomed to learn something new every day. I have been advising laypeople about investments since I was in high school. I'm suspicious about the self-proclaimed "experts" in the industry, making investment decisions for myself and advising others through due diligence analysis, logical decision processes and top down allocation methodology. I spent 40 years designing and providing the administration for pension and medical plans for jointly negotiated- labor and management trust funds as the CEO of the trusts with investment management, due diligence, policy development and oversight responsibilities. I give back some by helping folks structure their assets to enable them to sleep better at night and develop plans for the future.