This is not a professionally done website, nor do I intend it to be, because it was written using my rudimentary knowledge of HTML. Website design is not what I do. What I do is detailed forthwith, namely providing consulting services to clients who can profit from my 35+ years of experience in the fixed income markets, in particular structured finance (MBS, CMOs, RMBS, especially CMBS, CDOs, and CLOs) and in using Intex software (C/C++ subroutines or Wrapper) for automation of cashflow generation or what are otherwise painstaking manual tasks. I have been listed for several years as a third-party solution on Intex's website.

At present, my clients include a law firm involved in litigation concerning a CMBS deal for whom I am serving as an expert witness, as well as a ratings agency for whom I am advising on Intex programming. I can provide references from them, or from any of my past clientele.

With a couple of exceptions, my competitors (see Intex third-party solutions) have no idea of what they are doing. They have no understanding of loan calendars (for US Resi 30/360, for US Comm'l Actual/360, for Canadian Actual/365), bond payment calendars (usually, but not always 30/360) nor of deal waterfalls, which have different rules for allocating scheduled principal, unscheduled principal, scheduled interest, unpaid interest, or most significantly of loan principal losses leading to bond writedowns. They do not understand that senior interest-only classes suffer shortfalls only when their compatriot first-pay principal bonds suffer the same. When managing large positions, these things matter. I have had to unravel their past errors, but have done so in a timely and cost-effective manner.