The author, a native of Western Massachusetts, is a 1968 graduate of Holy Cross with degrees in Accounting and Economics. His work experience includes forty plus years in the financial, accounting and tax world including a stint with Arthur Andersen, as a partner in both small and medium size CPA firms, owner of his own CPA firm and ten years as Chief Financial Officer of an international consulting company. His experience as a CPA was in the tax and personal planning area, working with individuals and small businesses to achieve their financial goals, minimize their income taxes and advising