I have been an independent portfolio manager since 1982. My educational background is in medicine and law. (I cheerfully acknowledge that I've been educated far beyond my capacity.) I am a licensed physician in Maryland and Virginia and board-certified in radiology. I am admitted to the Maryland Bar. My professional energies are focused on investing for my clients who range in age from childhood to ninety-three as well as trusts and an university endowment. It has become clear to me that any knowledge gained in any field has an application in investing. I love investing because it is the perfect combination of study, contemplation and action.