Charles is a well-known financial expert in the matters of financial planning. Since 1995, he has assisted clients to preserve their capital, increase their income, avoid estate taxes, and protect their estate values. He has advised physicians and business owners approaching retirement, retired teachers and retired employees of corporations and municipalities such as AT&T, NES, Nissan just to name a few. People who consult Charles find that they lower their tax bills, eliminate taxes on their social security income, increase their fixed monthly income and obtain better protection for their financial future. His unique retirement and estate planning seminars have been very popular among… retirees and pre-retirees. In his practice, he has counseled numerous people on avoiding the common mistakes made by most retirees. Charles is a graduate of the University of Memphis where he earned his Bachelor's Degree in Business Administration with a major in Finance. Charles is also the graduate of the Belmont University's Certified Financial Planner Program, which required him to take an 18-month course of study and pass 6 rigorous exams proving his expertise in investments, taxes and estate planning. Charles lives with his wife, Nancy, son, Charles III, and daughter, Lauren Grace. Charles' hobby, when he is not making people richer, is speaking to young people about living and pursuing their dreams.