During my career in the financial services industry I have had the opportunity to work with many clients in great, good, bad and downright horrible economic environments. I started working in the insurance business while I was in college and law school, worked as a tax accountant with Arthur Anderson & Co. immediately after graduating from the University of San Francisco Law School and moved on to work as a stockbroker for several years at Merrill Lynch and Dean Witter Reynolds. After that, I started my real estate and insurance businesses.