top of page


IMG_2609 copy.png

"Others say I have the heart of a teacher."

Education and Certifications

  • MA and Doctorate in Education

  • Financial Peace University Graduate

  • Ramsey Solutions Master Financial Coach


  • Retired US Navy VET with 28 Years of Honorable Service

  • Teaching for over 25 Years in the US and Globally

  • Taught financial literacy to college students for over 7 years

I grew up in Philadelphia, the son of a school teacher. My parents let me fly early from the nest to go and see the world.  Like my father, I ended up in the Navy where I eventually retired after 30 years of service.  I have now visited over 45 countries, serving in many of them. As missionaries (my second career) we lived in Spain working with the American Military. During the past 25 years we have lived in Virginia,Texas, and now California, to work in Christian seminaries and universities in the area of academic affairs and teaching (my third career). Eudelia and I married during my first year in the Navy and now we are blessed with three daughters, their husbands, and seven grandchildren. As the Apostle Paul said, I have learned to live in want and in abundance.


I know what it is like to live 'hand to mouth' and 'payday-to-payday.' I wish during those financially tough years there would have been someone to help me with all the stress that my mismanagement of finances caused. But now, years later we have more 'abundance' since we started following Dave Ramsey's 7 Baby Steps. 

This is why I started this small business - to teach and guide others toward the same financial peace that I have. And, I call it OnTRACK since it's a great metaphor to use in staying focused, eyes ahead, with a decided destination - plus I grew up loving all things about trains: model trains, Pennsy Railroad, etc., etc. 

My hope is that I can be of some help to you, to help you get back OnTRACK, and not continue being sidetracked.

bottom of page