About the Author

Michael F.Q. San Nicolas holds a degree in History, with a minor in Political Science from the University of Guam, and a Certificate in Personal Financial Planning from The Metropolitan State College of Denver. He has served as a Legislative Chief of Staff and Policy Analyst, as well as Special Assistant to the Governor of Guam. As a young man Michael served as Speaker of the 22nd Guam Youth Congress, and President of the 40th Student Government Association of the University of Guam. The author currently works as a Financial Advisor and banking professional with the Bank of Guam, and his most fulfilling and ongoing accomplishment is raising his son, Kaleb.