About the author
The author has a 40 year career in the investment management field where he managed portfolios for institutional clients and ran bank trust divisions. He is also an author of magazine articles, op ed pieces and the precursor to this current book. He is also a musician, playing trombone in local groups in Santa Barbara County. In his off time, he runs, surfs, day works on local cattle ranches, and is a Captain with a volunteer fire department in Mono County.