This is what homelessness looks like in San Francisco - 100% Patagonia clothing and gear (Joe lives in Pacific Heights). I met him at my first job in NYC at First Boston while he went on to run the firm's North American Asset Management Business then settled in Hong Kong to head investment banking in Asia. High flier for sure. Once Credit Suisse consumed by UBS last year, Joe and his wife relocated to the Bay Area.
Jon Grussing, who I have recently re-connected with, was also in the FBC Financial Institutions Group and same vintage year as Joe, remains at Credit Suisse and will likely transition to UBS - I joke, he is the last man standing. Joe and Jon each worked at their first post-uni job for 40 years.
