Brad was born in Brooklyn and grew up in Levittown, New York. His dad was a County worker, and his family lived paycheck to paycheck. They were also on welfare for a very short time. He held many jobs during his youth (starting at 12 years old) and throughout college. During his senior year of high school, he worked for Sears in Hicksville, Long Island as a janitor where, among his responsibilities, he cleaned the toilets nightly. Aside from Government aid and scholarships to help pay for college costs, he worked nights as a graphic artist for the yellow pages and during the day (when not in classes) he worked in the work-study program at the college. He graduated at the top of his class with a major in graphic arts & printing and earned multiple awards for outstanding scholastic achievements. He started his career in financial services in 1985 in Cedarhurst, New York, with one of the leading financial services firms in the United States. After relocating to South Florida in 1993, he moved to another major financial services firm in Boca Raton and, within a few years, earned the title of senior vice president. In 1996, he earned the Certified Investment Management Analyst (CIMA) designation through the Investments and Wealth Institute (previously known as the Investment Management Consultants Association or IMCA) and taught in conjunction with then prestigious Wharton Business School in Pennsylvania. In 2005, Brad was awarded a United States Trademark for his investment management process, Multidimensional Asset Planning (MAP), and in 2018, he became certified as a nonpublic arbitrator for the Financial Industry Regulatory Authority (FINRA); a nonpublic arbitrator is an individual who works or has worked in the financial industry or who provided services to financial industry clients and is part of a selected panel to help resolve problems and disputes through the arbitration process. After 35 years as a successful financial advisor and mentor to many new advisors, Brad retired March 1, 2020, from his firm as a senior vice president and portfolio manager.