Carl (Charlie) L. Heegaard is a formally educated independent business person who has been working for himself in a wide, diverse gamma of endeavors for more than 50 years. Charlie graduated from college in 1970 with a degree in finance and industrial management from Nichols College of Business Administration in Dudley, Massachusetts. He also studied cooking and hotel management at the Institut Internationale de Glion in Monteux, Switzerland. He was a Peace Corps Volunteer in Ghana, West Africa, organizing credit union societies for the Ewe people in the Volta Region of Ghana. Charlie married Liliana, whom he met while studying in Switzerland and together they traveled to Colombia, SA where they built a restaurant chain, Charlies Roastbeef, which they ran together for more than thirty years. They produced three children, all girls, who today are all professionals running their own enterprises. Charlie and Liliana are now retired living in Miami, Florida. They are both busier than ever each dedicated to their own interests. They enjoy cooking and traveling together and stay active in their community.