Why Work With Andrew and IFB Financial?

Why I Am Serving Parents…

And Helping Them Pay Less for Their Children’s College Education


I have been very blessed throughout my life. You see, I have been a dreamer and nearly every dream I have had, I have accomplished – Husband, Father, Air Force pilot, black belt in martial arts, Intelligence Community officer, and now an entrepreneur.

But it wasn’t always this way. I grew up in a very poor family just south of Albany, New York. My dad, a first generation American, who served in World War II, never attended high school. His parents emigrated from Italy to have a better life in America. His dad, my grandfather, died of stomach cancer when my father was in 8th grade and then my dad went to work to support his family.

My mom’s family emigrated from England and France several generations before my mother was born. She went to high school but dropped out in 11th grade! So, my parents were not able to advise my sisters and I how to accomplish our dreams and leave an impact on this world. My father picked mushrooms for a living. And while we always had food on the table, clothes for school, and a roof over our heads allowing us to survive, we were never taught how to strive for greatness.

At the end of one very frustrating day, my dad and I were driving in his car – a very old dark green DeSoto – no seat belts, no air conditioning, no automatic transmission…I bet most of you have never heard of this car. DeSoto was a division of the Chrysler Corporation and manufactured between 1928 – 1961. Anyway, he gave me the following advice – He said, “Andrew, don’t be like me! Get a good college education, get a good job, live a better life than I have!” Unstated, he also implied, work at a job all of your working life, retire at age 65, and then wait to die! His message not only stuck with me, it haunted me as well. So, college bound I was – but I had no one to mentor me or advise me how to get a good college education or what I should study. I had worked on my brother-in-law’s dairy farm in upstate New York, so what better degree to get than something in agriculture?

I earned a Bachelor’s Degree in Agricultural Economics from Cornell University and became an agricultural chemical salesman covering New England. But I wasn’t happy. From the time I was born, my father told me a story about a jet plane flying over the church where I was baptized, as he, my mother, and my Godparents carried me down the front steps of the church. This was in 1952 and while jets are common today, there weren’t back then. Guess you could say that I am a little on the old side!

But there was something magical about that story though and not only was flying in my blood, growing up with several World War II veterans in my family, including a former POW who was held prisoner of war in a German military prison camp, the military was in my blood too.

Married now with our first daughter I walked into an Air Force recruiter’s office in southern New Hampshire and said, “take me,” I want to be an Air Force Pilot! He laughed so hard that he fell on the floor! And this is a true story. This was a few years after the Vietnam War had ended and the military was in a drawdown. Not only that, the Air Force was only accepting Air Force Academy graduates – affectionately known as zoomies – into pilot training. But the Air Force recruiter allowed me to take the pilot aptitude exam anyway. Knowing nothing about flying, I didn’t know what to do, so I went to the library, studied a couple of books on instrument flying and ended up scoring one of the highest scores the recruiter had ever seen.

I also applied for Marine aviation because I liked the Marine ethos…and their sexy uniforms. However, the Marines offered me an M-16 and an infantry assignment. They said I could apply for Naval flight school after a year or two as an infantryman. And that was not a hard decision. An M-16 with the Marines crawling through mud or Air Force pilot training flying above the mud? Well, the rest is history and after 26 years as an Air Force Officer and pilot, I stopped having fun and retired from active duty life.

It took me a while, however, to shake the job mentality instilled in me by my father because during my military and civil service careers, I obtained two master’s degrees and a doctorate in business, to make me more competitive for promotion and more competitive in the job market. After the Air Force, I served in the Intelligence Community as the Chief Strategist at the National Counterterrorism Center. But my entrepreneurial spirit had been nagging at me all of my adult life.

Now retired from the Air Force and from the Intelligence Community, I could no longer work in a job. I was 65 years old and not ready to stop working and just wait to die. I still had dreams to accomplish. I could no longer be an employee and work for someone, yet having lived a life of service, I wanted to continue serving. So, I became an entrepreneur because…successful entrepreneurs serve society and serve their clients.

And the one defining moment for me that I was on the right track in my entrepreneurial journey was when I heard Les Brown tell a story about a man on his death bed being visited by the ghosts of dreams unfulfilled that the man failed to bring to life. The ghosts told him they would die with him because the Lord had sent those dreams only to him and no one else!

That hit me very hard – very, very hard – for I had unfulfilled dreams too and I didn’t want to be that man and let my dreams die with me.

So now, as a Certified College Advisor, my entrepreneurial journey is to help you accomplish your dreams – to help you parents pay the least amount possible for your children’s college education and help your children get accepted into a college compatible with their dreams.

And through my strategic partnerships, we have helped more than 20,000 families pay less for college…and this is why I encourage you to… 

Reach for the College of Your Dreams!

May God Bless You and Your Family,

Andrew’s Abbreviated Curriculum Vitae 

Founder and CEO, IFB Financial, LLC

At IFB Financial, we help parents pay less for their children’s college education.

Typically, our clients are parents with high school kids who worry about the cost of college and the potential debt it might bring. They don’t understand financial aid, and they don’t know how to get the right fit in major and college selection. And they also worry about safety.

We eliminate these issues for parents; they get peace of mind by matching students to colleges compatible with their dreams and ensuring parents are positioned financially to pay the lowest possible cost.

Education and Training

  • Certified College Advisor through College Funding Solutions, Inc.
  • Ph.D. in Organization and Management.
  • M.S. in Administration.
  • M.A. in Liberal Studies with a concentration in Leadership.

Academic Positions:

  • 2004-2006: Affiliate Instructor of Management,Regis University, Denver, CO.
  • 2000-2004: Assistant Professor of Management, Director of Faculty Development, U.S. Air Force (USAF) Academy, CO.
  • 1996-2000: Instructor, Deputy Director, Air Force Element, U.S. Army Command and General Staff College, Fort Leavenworth, KS.



Employment History

  • 2016-Present: Entrepreneur.
  • 2007-2016: Deputy Chief, Strategy and Evaluation Group, and Chief Strategist,  National Counterterrorism Center, Washington, DC.
  • 2006-2007: Performance Mgt Consultant, Institute for Quality Management, Fairfax, VA.
  • 2004-2006: Internal Business Consultant, Defense Intelligence Agency, VA.
  • 1978-2006: Air Force Officer and Pilot.

Selected Job-related Training Courses

  • State insurance regulatory continuing education licensing requirements (Ongoing).
  • Certified College Advisor Certification Training, December 2017.
  • National Counterterrorism Center Leadership Development Program, May 2012 (30 hours).
  • Disney’s Approach to Leadership Excellence, March 2012 (36 hours).
  • Discovering the Mentor Within (DIA), April 2005 (8 hours).
  • Boot Camp for Professors (Faculty Development Training) July 2001 (40 hours).


Training and Development Courses Taught at Defense Intelligence Agency

Office of Management and Budget Program Assessment and Rating Tool (PART):  Managing Effectively.   A two-day overview course on Strategic Management, preparing Agency professionals how to prepare for OMB PART evaluations. 

Developing Effective Performance Metrics.   A one-day course introducing Agency professionals how to develop and effectively utilize organizational performance metrics.

Undergraduate Courses Taught At The United States Air Force Academy

2007-2004:  Human Resource Management, Management Perspectives, Introduction to Management, and Organizational Behavior.

Graduate Courses Taught At Regis University

Leadership for the Future.  M.S. in Management elective:   examined systems thinking, trend identification, analysis, scenario building, and managing chaos and complexity.

Graduate Courses Taught At The Army Command And General Staff College

Military Airpower History, Independent Research Course, and other military-relevant courses.

Other Courses Taught

Shin-Shin JuJitsu. American Black Belt Academy.  This course was an ongoing instruction in unarmed combat from novice through advanced black belt levels.

Volunteer Courses Taught

Adult Education and High School religious education courses, 1997 – 2012.


At National Counterterrorism Center:

  • Served on organizational mentoring team throughout entire tenure, formally mentored more than 20 less experienced individuals, and informally mentored five additional individuals.
  • Led a doctoral-level expert panel from the Central Intelligence Agency and the National Counterterrorism Center providing expert advice on methodology and analysis for an interagency study to achieve technological solution reducing time required to review critical data for improved support for time-sensitive requests from U.S. Government partners;
    • Team recognized by Program Manager for enhancing the final product through the team’s technical analysis and helping achieve program goals and U.S. Government counterterrorism community acceptance.

At U.S. Air Force Academy (USAFA):

  • Academic advisor to 17 undergraduate management major cadets.
  • Mentored 3 USAFA cadets.
  • Security Forces (Police) Volunteer.
  • Director of Faculty Development for Management Department.

At U.S. Army Command and General Staff College:

  • Served as academic counselor and evaluator for 18 students.
  • Chaired and directed 5 students in achieving their Master of Military Arts and Science Degree.
  • Served on select committees as a curriculum developer for several aerospace courses.

Professional Affiliations

  • Trusted Choice Insurance Agents of Colorado.
  • Independent Insurance Agents and Brokers of America, Inc.
  • American Legion, life member.
  • Disabled American Veterans, life member.
  • Military Officers’ Association of America, life member.
  • Reserve Officers’ Association, life member.

Let's Dream Together

601 16th St Ste C328, Golden Colorado, 80401-1979
+1 (833) U-DREAM-2

+1 (833) 837-3262


IFB Financial, LLCdoes not offer tax, legal, or investment advice and the material contained on this website should not be construed as tax, legal, or investment advice. Please consult with your attorney, accountant, or certified financial planner prior to acting on any recommendations provided by IFB Financial, LLC.