James R. Thomas ("Jim"), graduated from Pepperdine University with a Bachelor Degree in Business Administration & Finance. Jim is a veteran in the financial services industry. He has over 25 years of experience beginning with Lehman Brothers as a stock broker. He was later recruited by large institutions such as Prudential Securities, Paine Webber and Wachovia Securities where he spent several years in a management role before entering into private practice at SJB Financial where his area of focus is on risk-averse and tax- advantaged income solutions. For the past 20 years, Jim has been utilizing his vast experience and expertise to help individuals and families with their retirement & financial planning needs.