Welcome to Fresh Air Financial, here you'll find a wealth of information designed to help you increase your knowledge and plan your financial independence.

The opportunities and potential rewards are amazing when you take a proactive approach to personal finance. I have created this Web site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation.

I have a process I call the "O2 Equation".  I love the outdoors and I'm always ready for a breath of Fresh Air.  Hence the name of my company and the theme for my process. There is nothing better than preparing for a journey and then finding success in reaching the Summit.  There are four steps in the "O2 Equation" making a simple model to follow and duplicate which brings success in your financial plan.

Each step is part of the puzzle that makes the journey possible and ultimately a victory!  Let me be your guide to reach peaks you never thought possible.