I am a Certified Public Accountant (CPA) (prior FL; current NJ and NY license) and a Certified Financial Planner (CFP). I have also been a member of the American Institute of Certified Public Accountants (AICPA) for 18 years (CFF as well). My current title is partner at a national accounting firm. I have audit, tax, and consulting experience with entities in the following sectors: closed-end funds, energy, financials, healthcare, homebuilders, pharmaceuticals, private equity, REITs, and telecoms. I've also have experience with C-corps., estates, high net worth individuals, LLCs, LLPs, S-corps., and trusts. I am an active investor. My investing fundamentals are based on both qualitative and quantitative information. By using my financial / analytical skills, I create specific investing ideas / strategies based on valuations and total returns. The two main sectors I currently provide articles on are mortgage real estate investment trusts (mREITs) and business development companies (BDCs). Winner of the Summer 2017 PRO Promotion StockTalks (Stock Disclosure) Statistics: Number of StockTalk Positions Disclosed in Real Time (Multiple Purchases/Sales of 1 Stock Count as 1 Position): 33 Number of StockTalk Positions Resulting in Unrealized/Realized Gain (as of September 2018): 31 StockTalk Unrealized/Realized Gain "Success Rate": 31/33 = 93.9% StockTalk W/A Unrealized/Realized Gain (Non-Annualized): 26.1% StockTalk W/A Unrealized/Realized Gain (Annualized): 36.5% Number of StockTalk Positions Resulting in Total Return (Includes Dividends; as of September 2018): 33StockTalk Total Return "Success Rate": 33/33 = 100.0%StockTalk W/A Total Return (Non-Annualized): 36.8%StockTalk W/A Total Return (Annualized): 51.5% Previous Projection Articles' Performance vs. Actual Results:# of Projections Stated Within All Articles: 281# of Projections PENDING: 3# of Projections 100% Accurate or Within Range: 261# of Projections Inaccurate or Outside of Range: 20Projection “Within Range” Success Rate: 261 / 281 = 92.9% For a detailed list of every projection I've made at Seeking Alpha (vs. actual results), please send me a personal message ("pm") through the inbox feature (too long to list here). Disclaimer: I cannot own and will not give an opinion on any investments my current employer has any direct or indirect professional services with (accounting, audit, tax, consulting, etc.). As such, most large-cap stocks are "off the table" regarding my articles. All accounting insight, analysis, and opinions stated within any articles I write (in regards to a specified stock) are entirely from my own personal research and analysis. I believe my articles are both informative and in some cases educational.NOTE: A growing number of readers/investors, analysts, and representatives of firms have requested to be provided with my "spreadsheets/models" to help better understand certain companies/sectors. My researched data is several files of 100+ spreadsheets/models containing both stocks I write about on S.A. and stocks I choose to not write about on S.A. To reduce the repeated requests to provide such data, these spreadsheets/models are ALL linked together. As such, all current and future requests to "share" ALL my data/models will be politely declined. Thanks for your understanding regarding this matter.I appreciate my loyal readers and I’ll continue to try to provide high quality, in-depth articles.Below are the stocks I currently cover (as of October 2018):Stocks Covered (20 mREITs; 16 BDCs; 5 Other Sectors): AGNC, AINV, AI, ANH, ARCC, ARR, BMNM, BXMT, CHMI, CIM (New), CMO, DX, EFC, FSIC, GAIN, GBDC, GPMT, IVR, MAIN, MCC, MFA, MITT, MO, NEWT, NLY, NRZ, NYMT, OCSI (formerly FSFR), OCSL (formerly FSC), ORC, PFLT (New), PMT, PSEC, PM, Sierra Income Corp. (Ticker Pending; New), SLRC, TCPC, TRP, TSLX, TWO, and WMC. Commonly Asked Questions:Question 1): If you are only paid per article, why make your articles so long / detailed?- I like to provide the “nuts and bolts” of a company. As such, I strive for my articles to have some sort of “hard to obtain” facts / figures. From this data, I like to fully discuss / analyze specific topics within a particular stock. This mainly consists of a quarterly projection article and a series of articles on a company’s dividend sustainability. In certain instances, I also write articles in regards to specific, material events that occur during a quarter. - I believe a company’s quarterly results and upcoming dividend declarations are two of the most important topics readers are requesting information on. My analysis takes the “average” article several steps further to allow readers to have access to information that is rare to public viewership.Question 2): How come you only write 1-2 articles a week (would like to see more)?- As stated in my profile above, I have a full-time professional career. I write / analyze stocks in my free time. To provide these types of high quality / in-depth articles, I can’t see writing more than 2 articles a week. I believe “quality” should always be a higher priority versus “quantity”. - As many readers should know by now (if you’ve followed me for a while), I not here for the monetary rewards. If that was the case, I’d write 5+ weekly articles and provide little to no engagement in each article’s comment section. I believe the comments section is as important as the article themselves b/c readers have a wide range of questions in relation to each article or the sector in general.Question 3): What do you personally gain from writing these articles?- I am not here trying to promote a company, book, or website. There’s nothing wrong with that. That’s just not what I’m about. I’m here for the “average Joe”.- When I decided to write these articles, I based it on the notion I am filling a “special niche” per se. Using skills that have been built up over my professional career, my articles usually provide unique information that most writers either a) don’t have the technical expertise to provide or b) don’t bother providing due to the time it takes to compile such data. As such, I believe the S.A. community benefits from my articles. I solely do this b/c it’s a passion of mine and I like helping readers have accurate, reliable data that is not readily available. Yes, I understand this may seem “hard to believe” in this day and age. Question 4): How come you do not write about more stocks?- To give readers the level of detail that I provide in my articles, I amass large amounts of data every quarter (or even weekly). As a direct result, a large amount of time is consumed by obtaining / analyzing this data.- If I expanded the stocks I research, it would most likely take away the quality of other articles I currently am writing about. Again, this gets back to the “quality vs. quantity” metric.- There is a fairly large range of stocks / investment vehicles I cannot write about / provide an opinion on due to various conflicts of interests (regarding my professional career). This is a topic I take VERY seriously.