With more than 25 years of experience in insurance and financial services, this expert holds a Bachelor of Science in Business and an MBA with a dual emphasis in Insurance and Finance. He is also a Chartered Life Underwriter (CLU), Accredited Estate Planner (Distinguished), and holds Insurance Fiduciary designations. He provides analysis involving life insurance products, annuities, financial planning practices, and insurance industry standards of care. His litigation and consulting work includes evaluation of policy illustrations, suitability of insurance and annuity recommendations, supervision of licensed agents and registered representatives, disclosure practices, premium financing arrangements, life settlements, and stranger-owned life insurance transactions. He also has more than 15 years of expert witness experience involving consultations, depositions, and courtroom testimony.

His technical expertise includes life insurance underwriting, policy sustainability analysis, stochastic and Monte Carlo evaluation of variable life and annuity products, and assessment of insurance-based financial structures such as welfare benefit plans and fully insured pension plans. He has additionally analyzed standards of conduct related to insurance sales practices, ethical marketing of financial products, and evaluation of carrier ratings and policy illustration assumptions. His background also includes co-development of analytical software tools used to evaluate life insurance performance variability and long-term policy expectations.

Alongside his consulting practice, he has held leadership, educational, and standards-related responsibilities within the insurance and financial services industry. He has taught insurance, ethics, risk management, and personal financial planning courses, authored books and professional publications on insurance due diligence and ethical sales practices, and participated in initiatives involving fiduciary standards, market conduct, and client best-interest obligations.