As a 35-year veteran of the financial services industry, Bill’s career has evolved from a generalist to specialist. Having starting on the insurance & investment side, Bill then became a CFP®, AIF®, ChFC,and CPFA, with a thriving financial planning practice. This grew into his current practice as a highly sought after tax strategist where he has supported clients and advisers over the last decade. Within the tax arena, Bill has long had a knack for identifying or creating tax planning opportunities to mitigate tax erosion on his client’s income, capital transactions, and estates.



To that end, six years ago, a small change in the tax code opened the door to a new opportunity that could reduce all the aforementioned taxes. It occurred to Bill if he harnessed the change in TCJA, and combined it with another tax strategy, he could create a solution that lowered capital gains and income taxes, created tax free cash flow, and supported charities as well. Thus was born The Charitable Payraise®, now known as The P3 Method. The method was then embedded in an app, patented, attained a ‘Should’ tax opinion, and has been used in a multitude of situations to improve the economic outcomes.



Bill practices what he preaches. His own P3 has supported Safe Spot for endangered youth, Toys for Tots, and the Central Union Mission meals initiative. He has served on the Colgate planned giving committee for over 20 years, is a Eucharistic Visitor at his church, and donates financial planning for divorcees. He also prevailed as an SEC Whistleblower against a Fortune 100 Company protecting billions of privately invested assets. Bill resides in Vienna, Virginia just outside the Capital.

Damayanti Weese is a seasoned leader in professional services, currently leading operations and business development at Incentives Credit Advocate in partnership with DST Advisory Group. She is also serving as the CEO of SDBizPros Inc. She has an extensive background spanning roles in taxation, human resources, and recruitment. Damayanti is committed to empowering small and medium-sized enterprises, advocating for transparent and comprehensive services in payroll, tax credits, and beyond to foster business efficiency and growth.

Deborah Snyder has enjoyed a more than 20-year career in sales, marketing, membership development, online education initiatives and strategic partner engagement. Deborah served as the VP of Membership and Community outreach for NAWBO (National Association Women Business Owners) and found her passion to help women business owners.



Today, Deborah is the Director of Partnerships with Cultivate Advisors. In addition to building strategic partnerships, she also partners with committed entrepreneurs to propel their business beyond expectations. Cultivate provides the opportunity for business owners to gain prospective of their business with a complimentary growth assessment. This provides a road map of where the owner can focus and gain the most traction for growth.



Deborah believes that combining passion and purpose provides the opportunity to impact and help business owners to connect, learn, and grow their businesses and impact the global economy.



Deborah has been married for 34 years and she and her husband have two children together—a 30-year-old daughter just recently married and 27-year-old son. They also love to rescue dogs and have three furry children, who Deborah says she loves “almost as much as my kids!” Additionally, she is a competitive tennis player, ran the L.A. Marathon twice and loves relaxing at the beach—any beach, whenever possible!

As a partner at WealthPoint, Frank Caputo provides ESOP Sell Side Advisory Services on a national level, working with middle market businesses. His expertise lies in value creation strategies and tactics to structure, negotiate and implement business ESOP Sell Side transactional solutions.



Frank is a former business owner with over 30 years’ experience in business ownership, business development, strategic planning, operations, and tactical execution within multiple industries. He has been through each phase of the business life cycle, from start up to growth and the successful sale of multiple business operating companies to strategic buyers.

Jay Frank is the President for Cantor Fitzgerald Asset Management. Cantor Fitzgerald Asset Management is a part of Cantor Fitzgerald, an 80 year old investment grade rated financial services firm with over 14,000 employees across affiliates.



Jay has been with Cantor for 10 years and spent the last 20 years of his career focused on private markets including real estate, energy, infrastructure, and credit.

Josh Yager is a recognized professional on the management and oversight of trust assets. He lectures and writes extensively on the policies, procedures, and practices for the prudent administration of trusts. He has been invited to speak to various Bar associations, CPA chapters, estate planning councils, Professional Fiduciary Association forums and AICPA national events. Josh has testified as an expert witness within the California courts on matters around trustee duties and prudence. Josh has led governance consulting engagements for the boards of public pension funds responsible for assets more than $30b, foundation and endowment boards with assets in excess of $250m and for individual trustees with modestly funded trusts.





Credentials/Licenses:

CalBar licensed attorney – Active

CFP

ChFC

CLU

Julio Gonzalez is the CEO and Founder of Engineered Tax Services Inc. He founded the Gonzalez Family Office and is the CEO and Founder of Engineered Tax Services, Inc. (ETS). ETS is the country’s largest specialty tax engineering firm which specializes in the preservation of wealth and United States’ job creation through IRS engineering-based services to include research and development manufacturing tax credit and grant studies, energy tax incentives studies, cost segregation depreciation studies for buildings, Opportunity Zone studies, real estate state and local incentive studies and alternative tax optimization studies.

Marie Askew has a proven track record in SBA lending, she brings extensive experience, drive, and enthusiasm to Live Oak Bank. By cultivating strong relationships with her clients and network, she supports owner-occupied real estate, ground up construction, mergers, and acquisitions, working capital and commercial real estate for small and lower middle-market businesses. Through the course of her career, Marie has successfully navigated complex loans to successful close and has been responsible for increasing SBA production in California and nationwide. Marie’s contribution and ambition for helping businesses grow successfully earned her the top producer award in both 2008 and 2011, as well as recognition in the Circle of Excellence. She was nationally recognized as Business Development Officer in 2019 by Coleman and a Top Producer in 2022 at Live Oak Bank. Through the course of her career, Marie has origination volume exceeding $500,000,000 while maintaining an impressive portfolio performance with a default rate of less than 1%. She is a long-standing and active participant and a member of several real estate and merger and acquisition professional groups. Through a passion for learning new environments and exploring diverse cultures, Marie spent eight years abroad where she became fluent in Spanish and earned her BA in Global Studies. A desire to broaden her knowledge and skills as a business professional led her to complete an MBA at Benedictine. Marie currently resides in Northern California and proudly serves businesses across the country.

Michael holds a bachelor’s degree in finance and accounting from the University of Minnesota – Carlson School of Management. He started his career at KPMG working in International Tax Consulting as part of the Transactions & Cross Border Services division (M&A, International Tax, and Transfer Pricing) where he earned his CPA credential. Michael started Apex Business Partners in late 2020 with a focus on tax and business advisory for startups and got into cryptocurrencies as a niche practice area in 2021. Michael has advised on over $100,000,000 in cryptocurrency transaction volume for his business and individual clients since.

Mitch Nelson has assisted advisors in the design and placement of insurance solutions since 2004. He specialized in working with financial advisors and their clients to review, consult and secure personal disability insurance solutions. He has served on the Minnesota Financial Planning Association Next Gen Committee and has been published in the NAPFA Advisors Magazine and The Journal of Financial Services Professionals. He provides educational presentations to financial advisors across the country.

Born and raised in Los Angeles, Patrick brings over 20 years of experience in capital markets and a passion for building innovative ventures. Patrick's background includes senior roles at top-tier financial institutions in the industry.At Griffin Capital Securities, he transformed a struggling territory into a top-five performer nationwide, earning multiple sales awards during his tenure. He also made his mark at firms like J.P. Morgan Asset Management, Nationwide Financial,and Lincoln Financial Distributors, consistently exceeding expectations and building strong, lasting relationships in the independent financial advisor space.His ability to merge strategic thinking with execution has made him a go-to expert in his field. Today, Patrick serves as President of Capital Markets at both Access Capital Group, where he leads national distribution efforts across a diverse range of sectors. He’s raised over $2 billion throughout his career and takes pride in building lasting relationships along the way. Patrick is known for his deep expertise in fundraising, fund structuring, and navigating complex capital markets. Now based in Scottsdale, Arizona, with deep roots in California, Patrick continues to channel his entrepreneurial energy into exciting new ventures.Patrick earned his Bachelor of Science in Management Science and Economics from the University of California, San Diego

Steve DeTray started his career in 2004 in wealth management, helping business owners plan for the sale and exit of their business. Steve’s main focus was on income and estate planning that came after the sale of the business. He also helped with the transition to retirement and the challenges of this new unknown season of life ahead. As a lifelong learner and reader, Steve was ideally suited to remain current with the quickly changing, emotional, and complicated environment in which the business owner had to navigate to be successful.



In 2019, Steve sold his successful wealth management practice for below the industry average. He learned from this experience and became very motivated to help others sell their businesses for significantly above the industry averages, and at high multiples. Now as a certified Value Builder Advisor, Steve focuses on building value and developing a plan for a successful exit using Value Builder’s systematic approach to measure and grow the value of a business. Steve adds extra value by helping businesses take advantage of specialized tax credits and find many types of cost savings. This “hidden money” has provided an average savings of $200,000 for his clients. More than that, he is a skilled facilitator who helps enable businesses to thrive without their owners, thus enabling them to gain back control of their lives or exit their business.

Ted Jenkin is a serial entrepreneur. He was the co-founder of oXYGen Financial (a fully exited 2.2 billion dollar AUM firm) and President of Exit Stage Left Advisors, a sell side M&A firm. Ted is a national television expert and one of the opinion editorial writers for Fox News regularly appearing on Varney & Co. He also appears on News Nation, CNBC, and The Wall Street Journal. Ted has a nationally syndicated entrepreneur television show called The Roadmap on America’s Small Business Network. He is an Amazon best-selling author and has six advanced designations from the College for Financial Planning (CFP®, CRPC®, CRPS®, AWMA®, AAMS®, CMFC®). Today, Ted owns more than 10 companies and is the proud graduate of The Leadership Atlanta class of 2023.

Todd has over 25 years of experience in the financial services industry working with institutional asset managers providing investment solutions to financial advisors and CPAs. Todd utilizes his diverse background to partner with advisors, accounting and other professionals to deliver tax advantaged solutions for high-net-worth individuals and small business owners.

Meet Tracy Armstrong, a beacon of light in the complex world of college planning, whose journey from the classrooms of Detroit to the forefront of college funding is nothing short of inspiring. She obtained her undergraduate degree from Michigan State University and her MA from the University of Phoenix. With over 25 years of dedication as a Michigan Professional Certified teacher, Tracy has not only imparted lessons but has also guided her students through the pivotal chapters of their lives, helping them navigate their futures with care and precision.



However, through her intimate involvement in her students' college planning journeys, Tracy uncovered a recurring and distressing challenge: the daunting financial burden of college education. Time and again, she witnessed families from middle to upper income brackets grappling with the reality that their financial aid options were limited. The stark reality hit hard—these families often had no choice but to deplete their savings and retirement funds, sometimes to the tune of hundreds of thousands of dollars, to afford their children's college education. This financial strain not only jeopardized their immediate financial security but also cast long shadows over their retirement plans, potentially derailing decades of careful financial planning.



Driven by a desire to make a tangible difference, Tracy gained her Life Insurance License in 2013 and later embarked on a journey to master the intricacies of college funding. Joining the Association of Certified College Funding Specialists, she earned her certification as a CCFS, a testament to her commitment and expertise in navigating the financial hurdles of higher education. This was more than an academic pursuit; it was Tracy's way of arming herself with the knowledge to fight a systemic issue head-on.



With this new expertise, Tracy's conversations with families took on a new depth. She could now offer insights into navigating the financial aid system, employing tax-efficient savings strategies, and understanding the role of assets in the college funding equation. In addition, she focused on guiding students to select colleges that best fit them socially, academically, and financially. The outcome of working with Tracy is presenting families with viable options to protect their savings and retirement plans while investing in their children's futures.



Founder of Blue Star College Planning.

Van Carlson is the Founder & CEO at SRA and has over twenty five years of experience within the risk management industry. Van began his career with Farmers Insurance Group as an agent; eventually growing his book to be among the largest in his home state of Idaho. Van’s primary goal is to continue the upward growth of SRA and continue to develop new products to bring to market.

Wilton White, the Founder and Chief Technology Officer at Diversified Robotic Inc., is a visionary leader in driving innovation and technological excellence at the company. Based in Houston, Texas, Wilton brings a deep well of experience from his previous engineering roles at AT&T and other prestigious organizations. Spending nearly 10 of those years working on international projects throughout Europe and Asia. Wilton is well regarded for his strategic vision and expertise as a solution provider.



Wilton's leadership is marked by his commitment to advancing AI and technological solutions.



As the chief engineer and a key figure at Diversified Robotic Inc., Wilton is dedicated to building robust and scalable solutions that drive business growth and digital transformation. His leadership and technical acumen make him a pivotal force in the company's ongoing success and future endeavors.

Aleksander stands out in the financial landscape for his deep experience in complex Qualified Plan models and innovative Financed Charitable Gifting techniques. Catering to a sophisticated clientele of business leaders, high-wage earners and high-net-worth individuals, Aleksander has masterfully orchestrated tax savings exceeding $60 million.



With a career spanning over a decade as a wealth creation strategist, Aleksander is on a mission to empower his clients to safeguard and enhance their wealth using Advanced Pension Plans and Charitable Gift Financing strategies. As a dynamic serial entrepreneur, seasoned venture investor, and dedicated advisor, Aleksander applies his extensive firsthand experience to offer practical, impactful wealth-building strategies.



Aleksander is the mastermind behind the Pre-Tax Wealth Creation Blueprint—a comprehensive, step-by-step framework designed to significantly boost tax savings, reinforce asset protection, and accelerate personal wealth growth.



His fluency in English, Russian, and Korean allows him to serve a diverse range of clients effectively. Aleksander is known for his straightforward personality, results-driven focus, and out-of-the-box thinking. These qualities have cemented his reputation as a “financial surgeon” of creative solutions for wealth creation, making him a sought-after strategist in the financial domain.

Ben Golden is a distinguished figure in the field of taxation, holding the prestigious

title of Enrolled Agent (EA), the highest designation awarded by the Internal

Revenue Service. With a solid foundation in accounting and taxation, Ben earned

his BS in Accounting from The University of Alabama in 1999, followed by an MS in

Taxation from Golden Gate University in 2002. His expertise is further underscored

by his certifications as a Certified Tax Planner (CTP) and Certified Tax Coach (CTC).

As the visionary behind IRS Trouble Solvers LLC and Golden Tax Relief LLC, Ben has

cemented his reputation as one of the Top 10 Tax Resolution Experts in the United

States. Under his leadership, IRS Trouble Solvers LLC provides unparalleled tax

resolution services, while Golden Tax Relief LLC excels in tax compliance and

planning. The latter's outstanding performance has been nationally recognized,

securing a place in Inc.'s Top 5000 list of the fastest-growing companies for two

consecutive years. Moreover, Ben's innovative approach and entrepreneurial spirit

were highlighted when he was featured in the Top 100 Innovators and

Entrepreneurs Magazine, showcasing his contributions to the industry.

In 2023, Ben's exceptional leadership and contributions to the field were honored

when he was named one of Marquis’ Who’s Who Top Executives. His commitment

to the industry is evident through his active participation in several prestigious

organizations, including the American Society of Tax Problem Solvers (ASTPS), the

American Institute of Certified Tax Planners (AICTP), and the National Association

of Enrolled Agents (NAEA). Ben's involvement extends to the National Society of

Accountants (NSA), the Tax Representative Network (TRN), and he is a recognized

fellow of the National Tax Practice Institute (NTPI).

Currently, Ben serves as the President of the Alabama Society of Enrolled Agents

(ALSEA) and is a respected coach with Corvee, mentoring professionals in the

intricacies of tax planning and resolution. His dedication to the field and

continuous pursuit of excellence make him a sought-after speaker and authority in

taxation.

Bruce Gendein - A sought-after speaker on the topic of Qualified Retirement Plans, Bruce spends much of his time touring the country to share his insights with financial services professionals—financial advisors, brokers, CPAs, insurance agents, and attorneys. He has addressed MDRT’s Top of the Table, LIMRA’s Advanced Sales Forum, the Arizona Institute, and NAIFA and SFSP chapter meetings, as well as corporate educational symposiums nationwide.



A financial services industry veteran, Bruce has been in the business for more than 30 years, helping successful individuals and advisors tackle complex financial and retirement planning challenges. As president and co-founder of The Senex Group, Bruce works with advisors nationwide to deliver seamless solutions that enable them to provide complete, end-to-end qualified retirement plans to their clients and generate a significant new revenue stream.



Prior to founding The Senex Group, Bruce built a successful financial and retirement planning firm that served more than 850 clients from three offices in the Midwest. As a financial advisor, he started a third-party pension administration firm, was named “rookie of the year” for a major mutual life insurance company, and qualified for MDRT in his first year in the life insurance business. He has held Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designations for more than three decades and remains committed to advancing the knowledge and capabilities of fellow advisors to help them better serve their clients.

Chris Hall is the founder of Estate Guru and heads up strategic partnerships and business development for this industry leading cloud based legal solution.



His current role with the team at Estate Guru is a mission to provide access to quality legal assistance for the masses. The goal is to take advantage of today’s powerful technology paired with the still very important, human element.



Before founding Estate Guru he worked in the real estate industry and as a financial advisor, building a successful practice which he ultimately sold. Following the sale of his financial practice Hall spent nearly 10 years trading futures and managing a real estate partnership.



Mr. Hall grew up in San Jose, California where he attended both High School and College. He now resides in sunny Dunedin, Florida. When not working you’ll likely find him enjoying time with his wife, on a bike, or on the links.

Mr. Stone is the principal and president of Stone Law Offices, Ltd. He has been practicing in the State of Nevada since 1993 and provides legal counsel and services to affluent clients and families in the areas of wealth transfer and preservation strategies, including advanced estate planning, sophisticated tax planning (federal income and estate taxes), charitable planning, and planned giving, multi-generational family governance, business law, including business exit planning (aka business succession planning), and domestic and international asset protection planning

I am a proven certified Business Coach that helps business owners make more money and work less. I do this by asking the right questions, leading you to think differently and inspire action that generates desired results. I will help you with improving sales, implementing effective marketing and advertising, manage cash flow, team and leadership training

Darren Sugiyama was born and raised in Long Beach, California and received a Bachelor’s Degree from Loyola Marymount University where he was also the team captain and 2nd Team All-Conference baseball player. He continued his education and earned a Master’s Degree in Multicultural Education from the University of Hawaii at Manoa.



After starting his career as a counselor in a gang prevention program in his hometown of Long Beach, California, worked as a teacher in the public school system in Honolulu, Hawaii, and as a counselor in Halawa Prison and the Honolulu Detention Home.



Darren decided to follow his entrepreneurial dreams and started his own employee benefits firm in 2003 called Apex. During his first year in the insurance business, his personal income for the year was only $277 (he proudly displays his personal tax return on the wall of his office). But just seven years later, Apex was producing over $37 million in annual sales and was the #1 producing firm in the country for three different insurance carriers concurrently.



Since then, Darren expanded his insurance business portfolio, building a life insurance agency called DaVinci, which was responsible for 25% of all the life insurance policies sold for Pacific Life in Orange County, California in 2017. In 2018, DaVinci was responsible for 29% of the all the life insurance policies sold for Penn Mutual in Orange County, and in 2019, over 38%.



In addition, Darren founded Lionsmark Capital in 2016 which is now one of the most dominant premium financing intermediary firms in the life insurance industry, and in 2020, he co-founded the revolutionary fintech firm Breadbox which offers proprietary solutions to investment advisors and life insurance advisors across the country.



Darren is also an internationally acclaimed 8-time author with published works being distributed in over 15 countries. As a nationally acclaimed motivational speaker, business coach, and mentor, Darren does both live and virtual motivational speaking events, as well as private coaching sessions, teaching others how he built his businesses using extremely unorthodox methods.

Derek Spitzer began his career at a global tax consulting firm based in Dallas, Texas. As a consultant in the transaction tax practice, Derek worked directly with several Fortune 500 companies in the retail, healthcare, storage, and manufacturing industries.



Derek joined Captive Insurance Group, LLC in March 2014 as Director of Operations and helped grow the firm until it was acquired by Higginbotham Insurance Agency in February 2020. Higginbotham is the largest independent insurance broker in Texas, and a top 15 insurance broker in the United States. Derek as a Managing Director, along with former management continue to run the captive insurance operations.



Derek graduated with a bachelor’s degree in Finance from Brigham Young University. He is married with three children and lives in Colleyville, Texas.

James M. Duggan is a founding principal of DUGGAN BERTSCH, LLC, a Chicago-based business, tax, estate and wealth planning firm comprised of attorneys and accountants. Jim’s practice has concentrated principally on business and corporate law, and estate and wealth planning, primarily as they relate to closely held business interests and high net worth families. Jim’s experience in the structuring and implementation of Family Offices, sophisticated tax planning, and asset protection planning strategies is nationally recognized, as is his role in the firm’s development of a leading multidisciplinary planning protocol. In addition to giving frequent lectures and authoring articles in his areas of concentration, Jim also serves as a director on numerous for-profit and not-for-profit organizations.



Jim’s educational background includes attaining a Bachelor of Science in Marketing from the College of Commerce and Business Administration at the University of Illinois at Urbana-Champaign (Magna Cum Laude), a Masters in Business Administration in Finance from the DePaul University Graduate School of Business (Summa Cum Laude), and a Juris Doctor from the DePaul University College of Law, where he was awarded positions on both the DePaul Law Review and DePaul Business Law Journal.

Jeff Stolper started on Wall Street 30 years ago in 1993 and by 1995 was the top producer/Stockbroker at his firm.



By 1996 he was recruited to run a Wall Street firm and by 1997 he had transitioned to co-owning a NYSE Franchise brokerage firm.



After 10 years on Wall Street and 6 financial licenses, Jeff pivoted and started his own innovative advertising firm called NBP (Neighborhood Business Partnership) which had accrued over 700 Business Owners in NYC within its first 3 years alone.



By the end of 2005, early 2006 Jeff had gotten involved in a Health & Wellness direct selling company called Isagenix and became the 68th Millionaire/Legacy Member in that company as well with over 30,000 members in his organization worldwide.



But in early July of 2013 he had created the best business idea of his career!



Creating & successfully pioneering the Bill Reduction/Bill Negotiation Industry.



Jeff is well regarding for being the best bill negotiator in the world and his company iDeal Advocates by being the Premier Bill Negotiation Company in the industry.



Some of Jeff’s other accolades include:



Founder/Chairman of the Edgewater NJ Chamber of Commerce



Former Board Member of the Morristown Chamber of Commerce



Former Field Advisory Member of Savings Highway Global



Graduate of the prestigious LaGuardia High School of Music and the Arts in NYC- Vocal Major

(Fame School)



Graduate of Tony Robbins Mastery University Programs



Graduate of Peak Potentials Quantum Leap Programs



Among his many, many accomplishments which are too many to list here, he is most proud of being a dedicated husband to his wife April and to his two children Mika and Jax

Rob Kelly is the Manager of Client Relations at Inception Financial, where he supports clients, family offices, and strategic partners across a broad range of financial initiatives. He brings a relationship-driven approach and a proven ability to engage stakeholders at every level—from individual investors to institutional leadership.



Before joining Inception Financial, Rob built a successful career in defense business development, collaborating with government agencies, operational commands, and technology providers to deliver mission-critical solutions. He supported national security priorities by helping bridge capability gaps across warfare domains and led the implementation of Tier One human performance optimization programs for elite military units. Rob’s experience engaging both senior military leadership—including Flag Officers—and corporate executives made him a trusted partner in aligning strategic goals with operational outcomes.



This followed an 11-year career as a Surface Warfare Officer in the United States Navy, where he served aboard six warships during multiple overseas deployments. His leadership spanned high-tempo operations and complex maritime missions, shaping his ability to build cohesive teams, manage risk, and lead through uncertainty.



Rob is a graduate of the United States Naval Academy and holds a Master of Business for Veterans (MBV) from the University of Southern California’s Marshall School of Business.

Mr. Grushkin is the Regional Director of Cost Segregation Initiatives (CSI). He brings forty plus years of executive experience to the CSI organization. Over the last nine years Joel has directed cost segregation studies for developers, investors and owner/ users of properties that cover the gamut of property types and vertical markets. Property types run from million-dollar owner user office condominiums, to $500,000,000 in Senior Living Facilities, fast food franchise locations, hotels, high-end restaurants, manufacturing facilities, medical office buildings, shopping centers, multi-family housing, auto dealerships, and vacation villas. His background includes founding and chairing the private equity, venture capital and real estate practice groups of DHR International, the 5th largest executive search firm in the United States, eleven years with Arthur Young & Company (now Ernst & Young) as a Principal and director of the firm’s Management Consulting Practice. He was also a member of AY’s Real Estate Industry Specialty Practice Group.



Joel was also Chief Operating Officer of Edward Carpenter & Associates, a group of five consulting companies specializing in the start-up and on-going consultation to financial institutions in the areas of economic feasibility, capital formation, governance, mergers and acquisitions, business and regulatory affairs, and real estate. In addition to his executive search and consulting experience, Joel has also held positions of CEO, COO, and Vice President Corporate Development at either the holding company or operating company levels in conglomerates with holdings in real estate development, home building, financial services, mortgage banking, retail/entertainment, and automotive.



He has been a guest lecturer at San Diego State University and University of California-Berkeley, Orange County Corporate Directors Forum, and the San Diego Venture Group. He is a past member of the Board of Directors of DHR International, the San Diego Venture Group, and Compliance Coach recently sold to FIS. He is currently on the Advisory Board’s of Soteria Intelligence, and Aerovu Technologies.

John Frazier is a native Texan who spent several years in Northern Virginia before moving to Nashville. John has over 10 years experience as a top producer in the financial services industry and has earned numerous awards. Coupled with his strong desire to help the less fortunate and support worthy causes, he is a perfect fit for the charitable planning industry, bringing both knowledge and heart to the organization.



As an advocate for research, treatment and prevention of childhood cancer, John volunteers for the Live 4 Tay Foundation and Hope Nation Radio. Over the past 25 years he has also been involved with numerous other charities including the Nashville Humane Society and March of Dimes.

Josh is a CPA and CMI with specialist knowledge as state tax specialist who has significant experience with delivering cost reduction opportunities in the areas of real and personal property tax reviews, compliance, and economic incentives.



He brings extensive experience in real and personal property tax appeal advocacy, real estate appraisal and testimony, economic incentive procurement and audits, property tax compliance planning and delivery.

Matt Miller is an international tax specialist, specializing in the U.S. taxation of foreign source income, as well as planning and reporting for businesses and individuals with cross-border transactions. A graduate of the Master of Science in Taxation, with a post-graduate Certificate Degree in International Taxation from Golden Gate University, Matt has worked with hundreds of IC-DISC’s since 2012 and has managed the IC-DISC practices of two of the largest service providers in the U.S. Additional areas of U.S. international tax specialization include tax incentives on foreign sales available to C-Corporations (known as Foreign Derived Intangible Income (“FDII”)), Global Intangible Low-Taxable Income (“GILTI”), Subpart F Income, and Transfer Pricing.

Founded on the principles of honesty, integrity, and outstanding service. Card Group International is able to offer merchants the ability to process credit cards safely and securely, meeting all PCI-DSS & EMV-Chip industry standards.



Card Group International delivers their customers overall savings, and virtually unlimited solution options without compromising the highest quality service your business deserves.



They have strategically aligned themselves with industry leaders by partnering with a variety of top-notch companies such as CardConnect, NPC, Elavon, Chase Paymentech, First Data, Global Payments, and WorldPay to provide excellent service and individualized products. These alliances allow impact to customize front end, and back end solutions for each customer’s unique needs allowing them to process on any processing platform, in the US and Canada. Their merchants do not have to settle for meeting half their service needs.

Mr. Fox is a wealth strategist, philanthropic estate planner, educator and speaker. He has dedicated his career to helping individuals, professional advisors, charitable institutions and planned giving organizations, “do well while doing good.” Randy has authored hundreds of articles and presentations for attorneys, financial advisors, CPAs and HNW families. He is currently the Editor in Chief of Planned Giving Design Center, a national newsletter and website for philanthropic advisors, and has the following designations: CFP® and AEP®.

Ron has spent more than 30 years helping businesses make sense of the numbers, not just counting the beans but evaluating the root causes and developing corrective actions. He has achieved success by teaching companies how to understand their financial picture and how to measure the results for success. When Ron is not found helping businesses succeed, he can be found spending time with his wife or one of his three children. This usually involves tinkering with a car, going to the gym or driving a team of horses.



Ron holds both a Bachelor’s of Science in Accounting and a Masters of Accounting-Tax from Brigham Young University. Ron began his career at Ernst & Young. Since then Ron has been a controller, a Chief Financial Officer, Chief Operating Officer, President and Chief Executive Officer.

As the Founder of SDP Personalized Planning, Scott loves helping people live their dreams by putting together a plan, implementing and monitoring the plan, and seeing the plan come to fruition. In addition to his Financial Planning businesses, Scott served as a compliance officer doing due diligence for past Oil & Gas drilling programs and his been using Oil & Gas investment strategies for over 30 years. He enjoys using these experiences to find ways to use Oil & Gas opportunities to reduce his clients’ tax bills and provide his clients’ additional income.



Scott has also been a developer, owner, and operator of restaurants and convenience stores. He understands what it takes to operate successful businesses through many business cycles and changing market conditions. Throughout his career, Scott has worked nationally and internationally with individuals, executives, business owners and professional athletes.



Scott graduated from Brigham Young University with a bachelor’s degree in business administration and a composite minor in economics, accounting and statistics. He went on to complete executive money management training at Wharton School of Business. In addition, Scott has also earned the following designations: CERTIFIED FINANCIAL PLANNER™, Chartered Life Underwriter® and Chartered Financial Consultant®.

Sean Rogers launched Digital Financial Officers in February 2022. Previously, Sean spent 7 years in the wealth management space providing family office accounting services to top clients and businesses as well as handling the internal finances of the wealth management business.