I am 66 years old. My background in finance and general management is varied. From 1974 - 1986 I was first Treasurer and then President of Tulake Beverage Company (a Pepsi & Seven-Up Bottler) in Chattanooga, TN. From 1986 to the present I have been doing management consulting as well as running investments full time for businesses, individuals and foundations from which I collect hourly work-related fees based upon the actual work I do for each client. I am not a CFP. I utilize two companies for this work. Afton Enterprises, L.L.C is the name of one of these companies. Paladin Services, L.L.C. is the name of the other company.