A "Bank On Yourself™" Organization
A financial advisor with over 40 years of experience in the financial services industry; Bruce was born in Toledo, Ohio and grew up in the Midwest. Bruce graduated with honors from the University of Toledo, School of Business Administration with majors in both Finance and Accounting; he served 4 years honorably in the United States Air Force, which allowed him to see
much of Europe, England, the Philippines and Japan. Travel abroad molded his belief system about people of all ethnic persuasions and taught him that all of us have the same basic needs, wants and desires and that one should NEVER judge a book by its cover.
Back in the states, Bruce worked for two different trust companies of major banks in Ohio and Denver, Colorado. His pioneering work in the employee benefits record keeping area for the United Bank of Denver landed him a job in Atlanta, Georgia heading up an employee benefits record keeping firm whose customers were major Fortune 500 companies.When this company was later bought out by First Pennsylvania Bank he decided he would go west young man, go west!
Accepting an offer to become the marketing vice president for an up and coming employee benefits record keeping firm in Sacramento brought Bruce to California in 1978. During his tenure he saw the firm’s client base grow from a few hundred to over 13,000 clients. He developed strategic relationships with CPAs and Tax attorneys that continue today and developed educational materials that he used on the road for Dean Witter & Co; teaching stock brokers around the country how to market the tax advantages of employee benefit plans to employers. This experience motivated him to get securities & insurance licensed so he could offer what he believes is more objective and appropriate investment advice to plan sponsors and their employees.
In 1989, Bruce joined a local financial planning firm to pursue this new objective. However, before long, he was offered the position of executive vice president to head up the employee benefit record keeping division of Lexington Plan Administrators. He accepted the offer because it came not only with the challenge to turn the company around, but also to expand his securities and financial planning training. There, he had the good fortune to work with another fellow Midwesterner who was a CFP, CPA and Tax Attorney and was the EVP of the Marketing Division. They hit it off well, jointly helped many clients and eventually, in 1995, left to start their own financial planning services firm.
On April 7th, 1997 a personal family tragedy changed everything. His beautiful wife Bonnie suffered a major brain stem stroke that left her in a “trapped-brain” syndrome wherein she could only blink her eyes. After witnessing first-hand how lacking our post-trauma medical delivery system is, and being told that she wasn’t going to get better, Bruce made the life altering decision to bring his wife home from the “skilled nursing facility” the hospital placed her in. He was convinced they were right…if left in their care she would not get better. So he got trained on how to crush her medications and feed her through a feeding tube, take care of her bathroom and daily living needs, transfer her from bed to wheelchair, from a wheelchair into a car seat and took her home.
He has been her primary caregiver since. Today she still has quadriplegia, but she is able to talk, swallow and has use of her right arm and hand from the elbow down. Her spirit is indomitable and when he transfers her into her electric wheelchair with the joystick she can operate with her right hand she once again has a life. She can zoom up and down the shopping aisles in a store, accompany her grandkids to Disneyland, go out to eat and, best of all, enjoy going on cruises.
This life-changing event required him to change the way he delivers his services to his clients and prospective clients and because of time constraints, become more of a specialist. This is why he now asks his clients to come to his home office or work with him virtually and why he decided to become a Bank On Yourself™ Certified Advisor. By offering clients his knowledge, integrity and genuine concern, he has earned a reputation as a knowledgeable, trustworthy advisor and friend who knows how to think “outside the box”. He teaches individuals, families and businesses how to “Bank on Themselves” which allows them to take advantage of one of the most important concepts in modern macroeconomics, the velocity of money. If they follow the plan he prepares for them they will ultimately not have to pay interest and finance charges to any banking system other than their own which means they will be making the profits the banks, finance, credit card and mortgage companies have been making off of them. The resulting increase in wealth will eventually become their source of a passive tax-free stream of retirement income for life.
Contact Bruce for any questions you may have regarding your insurance or financial planning. He is happy to give you his professional experience on a personal level. Put his experience to work for you!