Frank C. Bearden, Ph.D., earned a doctorate from Our Lady of the Lake University and is a Chartered Financial Consultant and Chartered Life Underwriter. He has written extensively about conflicts o...view moreFrank C. Bearden, Ph.D., earned a doctorate from Our Lady of the Lake University and is a Chartered Financial Consultant and Chartered Life Underwriter. He has written extensively about conflicts of interest in his thirty-two years of working with financial planners and advisers. He lives in San Antonio.view less