Who is Dave?
I was born October 30, 1965 in Ephrata, Pennsylvania, and raised in suburban Philadelphia. I graduated summa cum laude with a BSBA (majoring in Computer Science, and minoring in Finance) from the University of Florida in 1989. After graduation, I moved to Atlanta and worked in various corporate financial capacities including financial model development, special pricing analysis, competitive analysis, and promotional pricing development, before joining Cornerstone Financial in 2002.
I began investing in mutual funds when I was still in college, and am largely self-taught. During my corporate career, I noticed that many companies offered minimal education on their Employee Stock Purchase Plan, Stock Option Plan, and 401(k) benefits. Some of these benefits offer the closest thing to a "free lunch" that you will ever get, if you know how to manage them! Realizing that many of my peers were not fully utilizing these benefits, I made it my mission to help educate them on how to optimize their use of these and other plans.
I have more than 25 years of personal investment experience, and more than 10 with Cornerstone Financial. My investment philosophy is best described as disciplined, methodical, and conservative---and I would have no problem if one labeled it "boring." I avoid investment fads and "get rich quick" schemes that are sometimes popular, and I never buy something that I don�t understand. I also don�t worry about trying to find the "next Microsoft." I believe that there is no way to consistently predict the short-term gyrations of the stock market, and that the best way to deal with this is through diversification. After all, it is far too easy to undo a lifetime of good decisions with one very bad decision!
When I decided to join the financial services industry, I wanted to work for a small, independent firm with nobody telling me what products I have to sell in order to make them look good or make them extra money. Cornerstone Financial allows me to remain totally focused on my clients� best interests!
In my spare time, I enjoy playing tennis (I am an active ALTA member for over 20 years) and other sports, reading, and dining at various ethnic restaurants.