AnnuityFreedom.net Founder, Editor, Writer
18 years of experience
Expertise: Structured Settlements, Investment Annuities, Consumer Finance
- B.S., University of Southern California, Los Angeles, CA
- J.D., Southwestern Law School, Los Angeles, CA
I’m a California-licensed attorney and the founder of AnnuityFreedom.net. I became intrigued by economics in 2003 and obsessed by 2006 — and that curiosity has shaped everything I’ve built since.
Early in my legal career, I volunteered at Public Counsel, a Los Angeles-based public interest law firm. The team assigned me to the Debtors Assistance Project, where I counseled individuals facing financial hardship and weighing bankruptcy. That work introduced me to something I’d see repeatedly throughout my career: people making consequential financial decisions with incomplete information and no one in their corner helping them understand the full picture.
I moved into private practice, representing individuals, couples, and small businesses through debt and income crises — first at Borowitz, Lozano & Clark, then at Johnson & Moo, a firm I founded. My clients ranged widely: some brought in as little as $2,000 a month, others as much as $70,000. The problems were different at every income level, but the through line was the same. People were locked into financial products and situations they didn’t fully understand and couldn’t easily exit. I helped them find paths forward — through Chapter 7 debt liquidation, Chapter 13 repayment plans, debt negotiation, and lawsuit and harassment avoidance strategies. The work I found most fulfilling was always the same: helping someone see, clearly, how their financial situation could actually improve.
I started researching structured settlements in 2014 and moved into the business in 2015. That decade-plus of research, writing, and direct involvement in the industry — combined with my years counseling clients through financial hardship as a practicing attorney — is what AnnuityFreedom.net is built on.
The site covers the full range of annuity types, how the secondary market works, what to expect from the selling process, and how to evaluate the companies operating in that space. The goal isn’t to push a transaction. It’s to make sure that if you decide to sell, you’re doing it with a clear picture of what you’re getting into and who you’re dealing with. That commitment traces directly back to my days at the Debtors Assistance Project — the belief that people make better decisions when someone takes the time to explain things honestly.
Outside of AnnuityFreedom.net, I’m a fan of brokerages with long track records and low costs — Vanguard and Fidelity in particular — and banks that don’t penalize customers with excessive fees. I stay current through podcasts that bring genuine analysis to economics and personal finance, including The Indicator from Planet Money, Planet Money, and Your Money Matters.