R.J. has a degree in Economics from the Terry College of Business at the University of Georgia. Additionally, he holds the Chartered Retirement Plans Specialist designation from the College for Financial Planning. R.J. joined Carson Advisory in 1996 and focuses on investment management and retirement income planning. He also manages 401(k) and pension plans for numerous small businesses, as well as endowments for local and regional non-profit organizations. R.J. and his wife, Nikki, reside in Watkinsville with their two sons, John and Nicholas. R.J. serves on the board of the UGA Wesley Foundation and is an active presenter for the Osher Lifelong Learning Institute at UGA.