Publications

• WHEN PERMANENT ISN’T FOREVER: Why many "permanent" policies have shorter life expectancies than those they protect.

Specialties & Experience of this Expert Witness

Additional Information

As a court-qualified expert since 2011, I have authored numerous reports and rebuttals, opined on damage matters, and testified multiple times in federal and state court jury trials. I have also consulted as an expert in FINRA arbitration hearings. I am uniquely qualified with decades of experience in the high-net-worth financial services marketplace. Over my career, I have partnered with insurance agents, fiduciaries, attorneys, accountants, pension actuaries, registered investment advisors, financial planners, Wall Street firms, Private Banks, and Trust Companies to provide investment and insurance planning services. I have extensive knowledge of various financial services, from basic to complex. Experience includes 401(k) fiduciary oversight and plan governance, standards of care and prudent processes, business owner planning, estate tax liquidity planning, and income replacement planning. Product experience includes most types of investment vehicles, annuities, disability income insurance, long-term care insurance, and most varieties of life insurance, including term life, whole life, universal life, indexed life, variable life, and private placement life insurance. Advanced planning experience includes irrevocable life insurance trusts, split-dollar life insurance, life insurance premium financing, life settlement transactions, and Stranger Originated Life Insurance (STOLI). Additionally, I have considerable experience regarding the roles and responsibilities comprising the financial advisor’s duties, the standard of care, and traditional financial industry customs and practices. I also have many years of experience working with fiduciaries and am familiar with how those duties may or may not apply to advisors when interacting with clients.