Fred was born in 1943, and raised in the Farnumsville mill village of South Grafton, MA. After graduating from Holy Cross College in Worcester, he entered the U.S. Military. He served in Vietnam and completed his military service as a Captain.
In 1970 he became a Registered Representative with a U.S. based securities firm and accepted a posting in Manila, in the Philippines, where he and his wife, Lilian, were married. They have 8 children, and 9 grandchildren.
In 1972 he co-founded the Hong Kong based investment firm Boutiette, Kimura & Associated, Ltd. From 1972 to 1981 he formed and managed several investment projects. His clients were American educators employed by the U.S. Government to staff the Dependent Schools at overseas U.S. military installations. In 1981 Fred and Lil relocated their family to the United States. Fred then spent from 1982-1993 developing investment properties that he had acquired with his clients.
As his clients began retiring, Fred shifted his focus to better serve them. In 1998, he formed The Visper Group, an Asset Protection and Retirement Services firm, to focus on the needs of retirees and those seriously planning their retirement.
Fred and Lil live in Worcester, Massachusetts.