After retiring from military service, I thought auto sales would be a great career—combining my love of cars with a chance to help people with a major purchase. What I found was an industry that thrives by keeping customers confused and vulnerable.

Over two decades—including time in management—I witnessed how commission-based compensation creates constant pressure to prioritize maximum profit over customer outcomes. Finance products are deliberately complex. Contracts are written to obscure rather than clarify. Even well-intentioned salespeople work within systems designed to maximize revenue extraction, not customer benefit.

I eventually joined Honest Car Payment, a company built on a different model: making profit by saving customers money. That experience reinforced what I believe is a better business model: when you align business interests with customer interests, everyone benefits.

That’s why I founded Island Credit Consulting. Through this practice and my continued work with Honest Car Payment, I provide the insider knowledge and tools to help you understand how credit, financing, and financial products actually work—so you can make decisions that serve your interests, not someone else’s bottom line.