I offer comprehensive financial planning to everyone. I do investment advice. I do portfolio reviews of your investments, 401(k) or IRA, and suggest what you should do with your money. We meet, you bring your investing and stock market and retirement and related questions....and I'll give you the answers or direct you where to go. I know the limits of my skills and knowledge. I can probably answer 99% of your questions. Some, of course, are judgment calls or opinions...eg...should I invest today or will the market be lower next Tuesday?

Since June, 2000 I have told people to get OUT of the stockmarket. I have been correct, and pretty much a lone voice as far as stockbrokers go. I do NOT have a need to convince you to invest with me------I'd rather be sure you are on the right track. I have now gone nearly 2 1/2 years without suggesting to anyone that "now's a good time to invest in stocks or bonds". So, I have saved people (those who listened, anyway) lots and lots of money.

I have been a stockbroker since 1983; I offer hourly advice ($200/hour, same rate as in 1995), hosted the first TV show in the US on socially responsible investing; author of The New Investor's Compass; lectured for UC Berkeley Extension; Commonwealth Club- SF; Mensa 50th anniversary conference in London; have had numerous letters published (BusinessWeek, Investment Advisor, Smart Money, etc...). I've given about 400 lectures worldwide on investing, estate planning, retirement planning, long term care and elder care, tax free income, etc.

I have access to stocks, bonds, mutual funds, managed money accounts, tax free bonds, tax-deferred annuities, college fund plans, long term care insurance, life insurance and all the tools anyone else has. My parent company is the seventh largest company in the U.S. (AIG Insurance, which is parent to FSC Securities Corp., which is my broker-dealer.)

I am the host/founder of the Berkeley Munch, and a Green Party member for over a decade. I am a former member of Janus and Threshold, and a member of the American College of Sexologists. I am a Ph.D. candidate in human sexuality at the Institute for the Advanced Study of Human Sexuality, SF, degree expected in Feb. 2003.

Debt counselling is not my area of expertise. I am not a CPA, and I do not do taxes. I do not give legal advice.

I am a retired IRS Agent, with thirty years of Government service. I was one of the staff instructors for the IRS. I specialize in the preparation of tax returns for individuals and small businesses. I also specialize in meeting other accounting needs for small businesses, such as bookkeeping, tax planning, and advice as to the business structure. For additional information, and a brief resume, please see my website.