Experience

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  Freedom Equity Group

  • East Bay, California

  • Tax Free Retirement Specialist

    • Mar 2015 - Present
    • East Bay, California

    My experience as an educator, a research analyst, a statistician, a banker, a compliance specialist and a mentor have all culminated in the opportunity I currently have to share with others needed information on tax free retirement options that have, quite literally, no "downside." I think of myself as a person sharing information with others in order to help them better plan for the future, and sleep at night as a result.

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  - Independent Consultant

  • Analytical Research and Evaluation Expert

    • 2008 - Present

    Conduct anayltical research and evaluation for non profit organizations effecting their ability to obtain financial support through grants.

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  President of consulting corporation

  • Consultant/Independent

    • Jan 1994 - Jun 2012

    Specializing in the statistical analysis, design, and/or evaluation of compliance with federal financial regulatory requirements, and project management.Performed feasibility studies, resource allocation, design, analysis, systems' construction.Accurately performed statistical analysis of data using SPSS.Wrote detailed and summary reports including recommendations arising from the findings, presenting findings to senior management. When requested, trained in-house personnel to perform these tasks. Assisted non-profit organizations with their 501(c)3 applications.Perform data analysis and research on behalf of clients who do not have the time and/or expertise to do so.Wrote grant proposals for non-profits.Substitute teacher in the district's high schools in the areas of English, Math, History, Government, Economics and Social Studies.Performed analysis of real estate data.Educated clients about mortgages, contracts, and other real estate-related obligations.

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  Mt. Diablo Unified School District and Century 21 Diablo Valley Realty

  • Teacher and Realtor

    • 1999 - 2009

    Obtained realtor's license and sold homes in addition to teaching as a substitute for the school district.

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  Nelson and Nelson Effects Research

  • Owner President

    • Apr 1991 - Dec 1999

    Geographic and Demographic analysis for financial institutions to determine their level of compliance with federal regulations and their penetration in the market place.

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  Bank of America

  • Vice President/Project Manager

    • Jan 1981 - Jan 1993

    Most recent: Responsible for Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) data integrity and statistical analysis for BofA NT&SA (California Bank) and oversight responsibility for each affiliate institution in BankAmerica Corporation. Effectively built the systems and personnel infrastructure that supported long term reporting and analysis capabilities, while simultaneously meeting the Bank's immediate requirements as set forth by the examiners. Created a productive team of officers across division lines, and trained them in the new regulatory requirements.Maintained strong and positive ties with bank examiners to ensure effective communications and compliance with regulations. Analysis included both geographic and demographic studies of the bank's lending patterns (using SPSS)Written reports were presented to senior management (Executive VPs and the CEO).Financial Officer for the department (Corporate Community Development), building annual departmental budgets, tracking, and ending each fiscal year within $100 of budget.

  • Vice President

    • 1981 - 1991

    Vice President in charge of the gathering and anaylsis of data which was submitted to federal regulatory agencies.

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  University of Utah

  • Assistant Professor

    • Jan 1977 - Jan 1981

    Performed research and taught, among other things, statistics and research methods. Used SPSS in all research.

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  University of Montana and the University of Utah

  • Assistant Professor of Sociology

    • 1975 - 1981

    Taught Statistics and Research methods to grauduate and undergraduate students.

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  University of Montana

  • Assistant Professor

    • Jan 1975 - Jan 1977

    Performed research and taught, among other subjects, statistics and research methods.