Jeff began his investment career in 1996 as a broker at Prudential Securities. He developed a fiduciary practice in 1997, focusing on defined contribution plans such as 401k, 403b, and 457 plans, while also handling select individual advisory accounts. Jeff saw how herd mentality and institutional inertia and constraints led much of the industry to employ underperforming allocation models. As a fiduciary, he was obligated to do better. He became absorbed in the analytics of what did and did not work in in asset allocation. He understood early on that a well-articulated, data-driven process was essential for managing wealth. Without one, the financial advisor was left to follow the herd into mediocrity or worse. By the late 1990s, Jeff had developed his own investment strategy and process, with its innovative Macro-Micro Portfolio Architecture™. It guided his fiduciary practice. Jeff partnered with Eric and Jim to form FAS to bring the Macro Micro Allocation Models to the broader marketplace.