Born at Travis AFB, raised in Davis, CA and have found my way to the beautiful area of Santa Cruz where the Redwoods meet the Ocean. I'm the Dad of 5 amazing kids (twins twice) and an amazing and supportive wife. After completing my degree in Finance and Management, I began my career with firms such as; Shearson Lehman, Lomas & Nettleton, First Northern Bank & West Coast Bancorp. I hold the highest designation of Master CMB in Mortgage Banking.