Tom is a veteran, a former university professor, an entrepreneur and semi-retired CPA who lives in Panamá with his wife and stepson who has a degree in Aeronautical Engineering and an aspiring pilot, and an old Beagle named Snickers. He is a business problem solver using his MBA and a second Masters’ degree in human resource management to help small business find and implement solutions. Tom earned a BS degree in accounting with a minor in economics at U of Maryland and an MBA from the U of Miami. He built a successful CPA tax and management consulting practice.  After a decade and a half in business he returned to study and earned a Masters – Human Resource Management and a PhD in business from the U of Utah. He has served on faculties at U Utah, and Georgia State University and published academic and professional articles related to management of financial information. Tom is an adventurer.  His first adult job was teaching pilots and crewmembers how to bail out of a disabled aircraft and survive once they got on the ground. He’s been sharing what he knows with audiences in a variety of settings ever since. He is a licensed pilot both fixed wing and rotary and likes to spend his spare time in the air admiring the world from a few thousand feet overhead flying a helicopter or on terra firma trail-riding on horseback.