My parents raised us seven kids (I'm the oldest) to be ethical, tell the truth, and be accepting of all others, no exceptions, no excuses. In the business world, those values are constantly tested. I am dedicated to those values, and have built my relationships with my clients on the firm footing of those values. After a career as a church musician and liturgist (11 years), I became a financial advisor in 1986 with Dain Bosworth, where these values were reinforced. Through the market cycles over the last 25 years, my philosophy has remained constant. Education: BA, University of Minnesota; MA, University of St. Thomas.