Charles and his wife Marily MacKinnon reside in the charming Historic Marine Village of Essex, CT. Favorite activities include golf, boating, gardening, music, and fine dining. Charles has been in the Financial Advisory business for thirty plus years. After early retirement from Xerox as Director of Sales for the XRC (Xerox Reproduction Centers) Division, he became a successful Real Estate Syndicator completing two multiple single-family residential home developments, one in Nantucket, Massachusetts; and the second, in Canandaigua, New York. In the early nineties, as a Stock Broker with Merrill Lynch, he first experienced the pleasure and satisfaction of providing professional services in the financial Markets. In the most recent ten years, he has worked as a Financial Advisor for both American Express and MetLife before deciding to specialize in the loan origination business. Charles feels that a career specializing in Home Mortgage Originations working with first-time home buyers to Seniors looking to right-size their retirement home.