I am a recently retired Finance Professional - with primary work experiences in Managed Care (HMOs), Banking and IT. My eduction includes an MBA from Wharton (Finance and OR) and a BS in Mathematics from Clark University, where I was named to Phi Beta Kappa. My investment philosophy has been molded by Jerry Seigel, Warren Buffett and The Fool. I am not a day trader, but more of a long term dividend/value investor. Since I do count on cash flow from my investments for living expenses, I do have a significant position in REITs. Instead of advocating for a "balanced" portfolio between stocks and bonds, I advocate for essentially 100% stocks and significant liquidity to get through the down times. Professionally I intend to pursue financial modeling consulting - both to help investor clients as well as corporate clients. This is evolving slowly, but I hope to accelerate my consultiong during 2013.