AB, Bowdoin College, 1950; Master of Business Administration, University of Pennsylvania, 1957.
Securities analyst, Merrill Lynch, 1957-1960;
intermediate analyst, Moody's Investors Svc. Inc., 1960-1968;
senior analyst, Moody's Investors Svc. Inc., 1968-1972;
associate director transportation, Moody's Investors Svc.
Inc., 1972-1976; assistant vice president corporation bond research, Moody's Investors Svc. Inc., 1976-1985; president, Garrard Advisory Corporation, Plandome, New York, since 1986. Member investment committee Sons of Revolution, since 1981.
Fellow Association Investment Management and Research. Member of New York Society Secuity Analysts.
Married Elizabeth Anne Pflug, November 26, 1968. 1 child, Frederic Cole.