Let’s just say I’ve been around the financial block — more than once. I’ve worn the pinstripes of Wall Street, the polo shirts of entrepreneurship, and the hoodie of a curious crypto skeptic-turned-believer (begrudgingly, at first).

Over the last 40+ years, I’ve advised high-net-worth clients at places like Morgan Stanley, Lehman Brothers, Bear Stearns, and Dean Witter. I built a thriving mortgage documentation company from scratch before the internet was even a thing. And I helped clients protect their wealth when the markets decided to throw tantrums — from the dot-com collapse to the housing crisis of 2008.

After all that, I thought I’d retire quietly. Maybe hit the links, raise a puppy or two, and moderate my local Facebook group (Talk of Tustin – What’s the Buzz? — look it up). But then Bitcoin came along, waving its digital flag of revolution, and I just couldn’t look away.

At first, I thought it was nonsense — tulips in a trench coat. But the deeper I dug into blockchain, tokenomics, and decentralized finance, the more I realized there was real innovation under all the hype (and yes, some genuine garbage too). So I did what any self-respecting codger would do:

I rolled up my sleeves, cracked open some whitepapers, and got to work separating the signal from the noise.

🧠 What I Bring to the Table (Besides Grey Hair or No Hair!)

✅ Managed $40M+ portfolios as a fiduciary advisor

✅ Founded and scaled multiple businesses (including a $2.5M/year document tech company)

✅ First to trade options in the state of Hawaii

✅ Helped introduce answering machines (remember those?) to the islands

✅ Deep understanding of blockchain ecosystems, wallets, crypto security, and the real-world risks of modern finance

✅ Tech-savvy enough to train AI, build flowcharts, and navigate platforms like Bitrix, Basecamp, Zoom, Miro, and more

🎓 What Crypto Codger College Is All About

I started this site because most of what’s out there in crypto land either talks down to you… or talks past you. I wanted to create a space where grown-ups could learn this stuff without needing to decode bro-speak, drink the Kool-Aid, or chase get-rich-quick schemes.

Here’s what you’ll get:

• Clear, practical education on blockchain, crypto wallets, DeFi, tokenomics, and risk management

• Coaching and courses designed for discerning minds (not meme-chasing moonboys)

• A voice of reason in a sea of hype — skeptical, seasoned, and a little bit cantankerous

• Community and conversation that respects your intelligence and honors your experience

I’ve been self-educating in crypto through books, courses, real-world experiments, and token issuance — and now I help others bridge the gap between traditional finance and the new digital frontier.

🐾 Bonus Round (Because Life Isn’t Just About Crypto)

• I’m a proud supporter for Canine Companions for Independence

• Former Chairman of the Tustin Chamber of Commerce

• Current moderator of the popular Talk of Tustin Facebook group

• Occasional golfer, full-time realist, lifelong learner