Bachelor, St. Mary's U., San Antonio, 1969; Master of Arts, St. Mary's U., San Antonio, 1977; Master of Arts, Stanford University, 1970; Master of Science in Finance Superior vena cava syndrome, Master of Science in Management, American College, Bryn Mawr, Pennsylvania, 1992.
Salesman, Southwestern Life Insurance Company, San Antonio, 1980-1981; teaching associate, University Texas, San Antonio, since 1991; registered representative, Massachusetts Mutual, San Antonio, since 1982.
Volunteer Texas affiliate American Heart Association, San Antonio, since 1986, Habitat for Humanity, San Antonio, 1992. Member Society CLU, Association for Advanced Life Underwriting, San Antonio Association Life Underwriters (board directors 1989-1993, Editor's award 1987), Estate Planners Council San Antonio (board directors since 1994), Million Dollar Round Table (communications committee since 1982, Quality of Life award 1991), Lions Club of San Antonio (president 1990-1991).
Married Carolyn Louise Caldwell, August 7, 1971. Children: Amy, Lisa, Julie.