🎯 The Journey

I've spent 39 years in financial services, beginning as a stockbroker in 1986 and transitioning to independent financial advisory in 1992. In 2003, I incorporated 360NetWorth, Inc., establishing what I call a "Personal CFO" practice—providing comprehensive financial guidance, estate planning, and tax minimization consulting to individuals and families.

Over the years, I've served 350+ clients across the U.S., formed multiple tax-exempt 501(c)(3) organizations, and sat on non-profit boards. I built a successful career helping people achieve financial clarity and peace of mind.

Then everything changed.

⚡ When Everything Changed

A significant health mystery stumped both me and my doctors. The medical workups found some clues but no clear answers on how to address it. Traditional approaches weren't giving me the solutions I needed.

Desperate for answers, I dove into functional medicine content. I discovered Dr. Mark Hyman's podcasts and started watching hundreds of hours of interviews with leading health experts. The insights were incredible—but there was a problem.

I'd watch a brilliant 90-minute interview, then three weeks later need that specific information again and have no idea which episode it was in. I was drowning in valuable information with no way to find it when I needed it.

That's when I discovered AI wasn't just another tech trend—it was the solution to my problem.

🚀 The Transformation

Honestly? I was intimidated by AI at first. I sat on the sidelines for a year while others got ahead. I didn't know where to start or what was possible.

But my health crisis forced me to learn. I discovered that AI could transcribe entire podcast libraries, make them searchable, and answer specific questions like "What did Dr. Hyman say about mitochondria in episode 247?" More importantly, I realized I could build these tools myself.

Over the past year, I've transformed from intimidated observer to full-stack developer and AI solutions consultant. I taught myself PHP, Python, JavaScript, and modern AI APIs. I built searchable databases containing thousands of hours of health content—initially just for my own medical research, but then I realized: if I need this, others do too.

What started as a desperate search for answers to my own health mystery became a complete career evolution. I now build sophisticated AI-powered systems for churches, ministries, wellness organizations, and professional practices.

💼 What I Do

💭 The Bigger Picture

My wife and I have four grown children who all live in Texas. My journey this past year has been both professionally transformative and deeply personal.

The health challenge that started all this taught me something profound: you don't have to wait for all the answers to start building solutions. Sometimes the best response to a problem is to create tools that help not just yourself, but everyone facing similar challenges.

I went from "I'm too old to learn this" to building three complete platforms in less than a year. The most intimidating technologies often become the most empowering once you take the first step.

Whether you're a financial professional wondering how AI could transform your practice, a ministry leader wanting to make your content more accessible, someone facing your own health mystery, or an individual who's been sitting on the sidelines intimidated by AI—I've been exactly where you are.

I wish someone had sat me down a year earlier and shown me what I was missing. That's exactly what I do now.