Michael is a founding partner of TPBS Capital Management and directs the firm's back office and operations. The years of experience in growing his firm have helped him to develop a proven wealth management process to help his clients achieve all that is important to them. His investment philosophy is derived from his studies of Modern Portfolio Theory, focusing on building individual client portfolios that maximize profits per unit of investment risk. By utilizing "institution only" asset class mutual funds, Michael is able to implement proven investment strategies that are not usually accessible to individual investors. Michael is a Certified Public Accountant (CPA), Personal Financial Specialist (PFS) and has a Series 65 securities license. Michael earned his degree in Finance and Economics from St. Mary's College of California in Moraga