Mike combines academic expertise with years of experience in finance and real estate ownership to guide clients through smart, cost-benefit decisions. Approachable and committed, he strives to be a lifelong banking partner—whether you’re a first-time homebuyer, seasoned investor, or planning for retirement. Outside of work, Mike enjoys camping with his wife, exploring great food and wine, golfing across the Central Coast, and walking his two Labradoodles in the hills of California. He is passionate about helping others achieve their financial goals, and always eager to discuss your plan and support its execution with insight and integrity.