In my 20th year in the business, I possess an AA degree in Real Estate, a BS degree in Finance and an MBA along with 23 years of corporate financial experience.  Well-grounded with negotiation, business and investment experience prior to my real estate career helps me be my client's trusted real estate advisor.  I see myself as an educator and team-builder.  Educating my clients as to market conditions matched with the appropriate strategy allows them to attain their real estate goals more quickly and effectively -- it also enhances long-term profitability or investment value.  A real estate advisor is only part of the team most clients need.  I help put together or work effectively with my client's chosen estate attorneys, CPA's, financial planners, loan officers and other professionals so that my client is provided with the advice they need to enable them to make the best possible decision for their circumstances.  Working exclusively by referral allows me to better serve my clients as I don't spend my time prospecting and advertising.  More than 85% of my business is from referrals and repeat clients.  It is important for me to get to know prospective clients and for them to get to know me to make sure we're compatible working together and to understand their real estate goals.  Afterall, we both have a decision whether or not to work together!  The most important advice I give to persons I first meet is that they need to make a decision as to who they want represent them first before plunging into a transaction.  My philosphy and style is that they are the decision-maker and "boss", and I'm the worker, advisor.  This is especially important advice for seniors as they usually have more complex transactions.  That is why with my experience and education in helping seniors make better decisions, I was awarded the designation "Seniors Real Estate Specialist".  My clients run the gamut from first-time buyers/sellers to trade-up and trade-down and investors as well.