Rich has been involved in banking and investment banking for the past 30 years. As retirement moves closer and closer, he struggles with the same issues that most baby boomers face, primarily, how do we maintain what we have and how do we make it last and grow through our lifetime. His focus is on value and return with an approach to analysis company valuations and long term viability. He is particularly interested in fixed income, derivates, energy, commodities and Real Estate Investment Trust. Rich began his career in banking as a bank liquidator with the FDIC. He has been a chief lending officer in a commercial bank, a division head of a Fortune 50 company providing commercial real estate products, a CMBS trader with Merrill Lynch Capital Markets (I watched the stock market crash in 1987 from the trading desk), and a managing director/group head at 3 different investment banks. Rich received his undergraduate degree from Marshall University in Social Sciences. He has a Master’s of Science in Public Administration from Eastern Kentucky University. In addition he holds a Master’s of Business Administration from the Graduate School of Business at the University of Chicago. His interest includes emerging markets, macroeconomic policy, writing and playing the blues on his electric guitar.