Tom Rubens was fearless, constantly getting into fights with classmates and always fighting authority. That’s why a job on the Options Exchange in Chicago appealed to him: tons of action, screaming, and jumping. But what he needed was to be his own boss. After over 40 years of owning and operating his own businesses, Tom is keenly aware of challenges small business owners face. His coaching practice, The Accountability Factor, helps them increase revenue, manage relationships and live harmonious lives.