Being raised in a steel town one of five sons to Chas & Pat two wonderful parents who had blue collar jobs, I obtained a true understanding of making every dollar count.  In my family, money was always tight.  I witnessed my father work three jobs to make ends meet.  The work ethics instilled upon me by that atmosphere, along with my own family's needs, has given me the background necessary to understand the needs of my clients and their families.

I began my career in 1988, a graduate of Robert Morris University in Pittsburgh, employed by a local finance company.  During the next six years, I served the community with consumer loans and mortgages.  In 1994 I became a bankruptcy specialist with a large bank and worked closely meeting the needs of customers who had mortgages that were in bankruptcy.