I've worn many hats over the years, and strive to let my writing reflect the breadth of all this experience.

I currently split my time between a number of ventures:

*I'm a Certified Financial Planner and oversee a financial planning practice.

* I'm a public speaker, working with companies like Disney, Verizon, and Toyota to educate employees about personal finance issues.

* I'm pursuing my education / licensure as a Marriage and Family Therapist in California and oversee a pastoral counseling agency.

*I officiate non-denominational weddings in the Southern California area.

Also of note, I recently won the "Mentor of the Year Award" from the Investment News for working with Young Life International.

My passion is ...

My family and helping hurting people

I know too much about ...

Financial planning, teen culture, and reality TV

My parents always told me ...

It's not repeatable in public :)

My childhood ambition ...

To be a millionaire

My favorite memory ...

Hanging out with my kids

Why I write ...

I communicate better that way

What I am reading/watching/listening to ...

Lots of psych books / Talk Soup / Josh Ritter

My first job ...

Ralph's grocery bagger

My best moment ...

Won an award for mentoring teens

My inspiration ...

Jesus, my wife, my kids

Personal Finance > Bonds How to invest in municipal bonds

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The promise of tax-free income, combined with a safety level that's just below Treasury bonds, make municipal bonds a favorite of young and mature investors alike. Yet investing in "muni's" is still as much of an art form as picking the right stocks.

Knowing when to use municipal bonds in your portfolio, as well as what kind to use, will help maximize the overall growth of your net worth. Central to your analysis will be an ongoing awareness of your "marginal tax bracket" at both a Federal and a State level. If you don't know what this percentage is, a simple call to your tax preparer ...

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