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I put this site together to answer some questions that frequently arise. I have always been a traveler, even as a small child. See "About Me" for details.  Some of my more unusual experiences are in the "Globetrotting" section. 

Today, I am the owner of an investment advisory firm called A.T. Lloyd's, Inc.

I have also been an activist in the life insurance industry. My personal history pointed me in that direction and I was able to make a difference on a national level for life insurance policyholders. That story is in the "Activism" section. 

Finally, I like parties and I like to entertain.  Please send me a message through the "Contact" page if you can think of something else I should be doing.