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He is a fee-only advisor.\r\n\r\nI did a two year tour of duty as a radar operator in the Navy beginning in 1965. From 1970 to 1973, I worked for the national accounting firm of Arthur Young & Company as an auditor. In 1978 I opened my CPA practice in Santa Ana. I introduced personal financial planning to my accounting practice in 1986. 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Many of his clients are either retired or close to retirement and need help sorting things out. He also helps small (and not-so-small) business owners lower their income taxes and determine the best way to transition their wealth to the next generation. With his background as a CPA, he looks for ways to help clients avoid or defer income taxes when selling large assets, such as real estate or a business. He became a Certified Public Accountant (CPA) in 1972, a Certified Financial Planner (CFP) in 1986, a Personal Financial Specialist (PFS) in 1988, and a Chartered Retirement Planning counselor (CRPC) in 2008. In addition, he is a Certified Fund Specialist, a designation granted to those who pursue a course of study and pass a test demonstrating their knowledge of mutual funds and modern portfolio theory. He is a fee-only advisor. I did a two year tour of duty as a radar operator in the Navy beginning in 1965. 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