The Economic Warrior

After over twenty years of serving in executive capacities at several financial services firms, Mark Sullivan had grown disenchanted by one scandal after another involving many of the best-known investment firms. It became evident that the appetites of shareholders for immediate profits might pressure financial company executives to increase revenues in any manner possible- even if this meant taking unethical shortcuts or making poor stewardship decisions by prioritizing reward over risk. That these breaches in trust were usually at the expense of the firm’s own clients was especially frustrating. Mark decided the timing was right for a superior model of investing to be made available locally and trusted that the public would agree - we are very pleased to say he was correct.

If retained as Investment Advisor Representatives, we serve in a fiduciary capacity, a higher legal standard which requires us to place our client’s interest above our own, and avoid any and all conflicts of interest, something most well-known investment firms and their investment salespeople are either unwilling or unable to do. This is a very critical difference for you and your family, and one which you should demand when retaining the services of a trusted family advisor.

Often working in conjunction with other professional advisers such as CPAs and Attorneys, we work on a referral basis providing comprehensive planning services including wealth advisory, financial and estate planning, as well as business succession planning, charitable gifting and wealth transfer services to families, individuals and businesses.

In tems of safekeeping, all client assets in managed accounts are held in custody at Pershing, a subsidiary of The Bank of New York Mellon Corporation, the nation's oldest continuously operating bank & the world's leading provider of securities services with over $22.3 trillion in assets under custody.

Get in touch with Mark at http://seacoastassetmgt.com

My professional path has been very unique. I was a very early adopter and pioneer in what today is known as income planning. Income planning is simply the mathematical sequencing of accounts to create a predictable income expected to be significantly greater than the current prevailing interest rates available. With the added benefit of providing income guaranteed for life. I evolved that model and today consider myself to be on the forefront and the leading expert in tax and actuarial arbitrage. Today, what I can do is help people and business owners profit from the difference between the way their money is treated for tax purposes. Actuarially, I help them realize profits by reversing the traditional use of certain insurance contracts creating high guaranteed rates of return for my clients resulting in a much greater retirement income.

With a unique practice model and a level of notoriety in the industry my firm was acquired by a publically traded company National Financial Partners (NYSE Symbol: NFP) for stock and cash valued at over $1,000,000 when I was 29 years old. In 2008, when the market tanked I purchased my firm back from NFP and remain independent to this day.

I've also been hired to train financial advisors by some of the largest insurance distribution companies in the country. These firms produce three to five billion dollars of annuity and equivalent life insurance sales per year.

I've authored three financial planning books: To find out more about Matt Zagula and his unique approach to creating a Smart Retirement, please visit www.zagulamanagement.com

Helen Davis Chaitman is a nationally recognized litigator with a diverse trial practice in the areas of lender liability, bankruptcy, bank fraud, RICO, professional malpractice, and trusts and estates. Among Ms. Chaitman’s achievements are the following:

• In 1995, Ms. Chaitman was named one of the nation’s top ten litigators by the National Law Journal for a jury verdict she obtained in an accountants’ malpractice case.

• Ms. Chaitman is the author of The Law of Lender Liability (Warren, Gorham & Lamont 1990) which has been updated annually since 1990.

• Since 1987, Ms. Chaitman has authored the monthly newsletter, The Lender Liability Law Report, which is subscribed to by law firms and financial institutions through the United States.

• In 2014, Ms. Chaitman and Mr. Gotthoffer began publishing their book “JPMadoff: The Unholy Alliance Between America’s Biggest Bank and America’s Biggest Crook” on their website jpmadoff.com

• On November 19, 2014, Pam Martens of Wall Street on Parade wrote about the book: “what attorneys Chaitman and Gotthoffer are doing is extraordinary and unprecedented.”

• On February 5, 2015, Larry Kotlikoff reviewed Chapter 7 of the book and wrote: “This is a chapter–and a book–that should be read by every American who has a bank account or uses a credit card.”

• Since early 2009, Ms. Chaitman has been an outspoken advocate for investors in Bernard L. Madoff Investment Securities LLC. She has lobbied in Congress, on a pro bono basis, for statutory changes to assure Madoff customers of the protections of the Securities Investor Protection Act. And she has testified twice before Congressional committees on issues affecting securities investors. See Ms. Chaitman’s testimony here.

Ms. Chaitman practices regularly in New York and New Jersey and has been admitted to practice pro haec vice in numerous jurisdictions throughout the United States. For more information please visit www.chaitmanllp.com or www.jpmadoff.com

Marquee private equity firms such as Blackstone Group, Carlyle Group, and Kohlberg Kravis Roberts, have grown bigger and more powerful than ever. They have also become the nation’s largest employers through the businesses they own. Journalist Josh Kosman, who is a business writer at The New York Post explores private equity’s explosive growth and shows how its barons wring profits at the expense of the long-term health of their companies. He argues that excessive debt and mismanagement will likely trigger another economic meltdown by 2018, wiping out more than one million jobs.

He also explores the links between the private equity elite and Washington power players, who have helped them escape government scrutiny. The result is a timely book with an important warning for us all.

Ralph Nader says this about Josh Kosman's book, The Buyout of America.

“Just how do those giant private-equity boys get away with taking over working companies, strip-mining their equity, squeezing out many workers, often ending in bankruptcy, yet still jump ship with big profits, pay very few taxes, and stay out of jail? The answers are in Josh Kosman’s The Buyout of America. He believes there is still time to wake up Washington, but only if enough readers themselves heed this properly alarming wake-up call for all Americans.”

To contact Josh Kosman, please visit http://www.joshkosman.com

After 31 years on the marketing faculty – nine as chair – Bill Danko achieved emeritus status in 2007 at the School of Business, State University of New York at Albany. During his tenure, he studied consumer behavior, and in particular the topic of wealth formation. He is the co-author of The Millionaire Next Door, a research-based book about wealth in America that has been ranked as a bestseller by The New York Times for more than three years. His academic publications have appeared in the Journal of Consumer Research, Journal of Business Research, Journal of Advertising Research, and other leading journals.

Dr. Danko earned his Ph.D. at Rensselaer Polytechnic Institute’s (RPI) Lally School of Management and Technology in 1983. “In recognition of conspicuous attainments and service in collegiate activities,” Professor Danko was inducted into the Omicron Delta Kappa society in 2005. He resides in upstate New York with his wife, and is the father of three adult children, none of whom ask him for money. Bill's latest book, "Richer Than A Millionaire, A Pathway to True Prosperity" was co-written with Richard J. Van Ness. To find out more about Bill please visit https://www.albany.edu/~danko/.

Today, RAWZ Natural Pet Food is headquartered in York, Maine. The family journey in pet food began with Jim Scott Sr. and his purchase of Old Mother Hubbard® (part of the WellPet brand family) in 1961. Now, with our son Jim III, we have founded RAWZ® Natural Pet Food. Our first goal is to offer your pet nutritionally exceptional recipes that provide the highest meat content possible, utilizing natural alternatives to highly-processed ingredients. Our second goal is to give back. Our sons both acquired life-altering injuries. As they were recovering, we experienced the spiritual impact a pet can have on its family. Living through that difficult time, we received tremendous comfort and support from Boomer, our family’s yellow lab. In recognition of the crucial role Boomer played as we transitioned into a new chapter of our lives together, we pledged as a family to donate 100% of the profits (after taxes and reserves) from RAWZ® to three main causes: providing service dogs, spinal cord injury and traumatic brain injury. For more information please visit http://rawznaturalpetfood.com/ which is located in York, Maine.

Caroline Leed launched Smiling Button in the spring of 2015. As a child, every one of her outfits-from her mint green dress to her trusty overalls-was accessorized with a yo-yo and topped with a tiara. She designs for that same young girl. Today, when Caroline rolls up with her overalls and heads to the office, she knows there's no demographic she's better suited for, and no demographic she'd rather dress. A proceed of every Smiling Button purchase is donated to Children’s organizations and charities across the US. To learn more, or to nominate an organization please reach out to [email protected].

Karyn Krause Cumberland is the Principle of SK Lawyers LLC, one of the leading mid-size law firms in NH with offices in Stratham, Hampton and Manchester NH, with an additional Cape Coral, Florida location. Her practice areas include: Elder Law; Estate Planning; Trusts and Wills; Health Care Law; Insurance; Probate Administration; Trust Administration; Social Security; Marital Mediation; QDROS; Auto Accidents; Personal Injury and Wrongful Death; Small Business; Corporations and LLCs. http://sklawyers.net/. We have invited Karyn to speak to our NH seacoast and U.S. audience to speak about how she has grown a very successful law practice, and why estate planning is still so important for everybody, with great insights for all of us. To reach Karyn directly you may email her directly at [email protected] or through her assistant Amanda Holland at Office: (603) 778-1984 email: [email protected]

Adam Andrzejewski

Founder and CEO of OpenTheBooks.com

A national leader in bringing transparency to government spending, Adam Andrzejewski,

(Angie-eff-ski) the eldest of seven children, was born in rural Herscher, IL – a hardworking

small town and family farm community.

After graduating from Northern Illinois University, Adam and his brother successfully built a

$20 million-dollar business with 160 employees. Today, HomePages® is the nation’s largest

publisher of community telephone directories. After selling his share of the business to his

brother in 2007, Adam began to focus on a life of public service.

In 2010, Adam ran for Governor of Illinois in the Republican primary. Adam was proud to be

endorsed by Nobel Peace Prize winner and Solidarity founder Lech Walesa, among others.

Adam promised he would post “every dime, online, in real time.” Despite a credible loss on Election Day, Adam founded

OpenTheBooks.com to fulfill his campaign pledge.

Today, OpenTheBooks.com contains nearly 4 billion lines of government spending and is the largest private repository of

public spending in the world. The Honorary Chairman of American Transparency (website: OpenTheBooks.com) is former

U.S. Senator Dr. Tom Coburn (OK) – 2013 Time 100: 100 Most Influential People in the World.

• May 29, 2013: The Wall Street Journal published Andrzejewski’s editorial, “Track Government Spending on Your

Phone.” Editorial showcased our first-to-market technology enabling taxpayers to search federal spending by ZIP code.

• September, 2013: Stossel Special - Innovation Nation FOX News featured our data, technology, website and mobile

app as cutting edge ‘tech tools’ to help citizens win the public spending debate across America.

• June, 2014: USA Today showcased Andrzejewski quotes and OpenTheBooks.com data regarding Phoenix VA salary and

bonuses in three investigative pieces with national impact during the peak of the national VA scandal.

• October, 2015: The Wall Street Journal published Dr. Tom Coburn’s editorial which lauded the additional search

capacity added to our award winning mobile app: Tracking Government Waste, There’s an App for That.

• June, 2016: The Wall Street Journal released our oversight report “The Militarization of America” in a co-authored

editorial entitled, “Why Does the IRS Need Guns?” We found more bureaucrats with guns (200,000+) vs. U.S. Marines

(182,000).

• July, 2017: The Wall Street Journal launched our oversight report – Foundation on the Arts and Humanities. In the

editorial, “It Costs Taxpayers a Bundle, But Is It Art?” Roger Kimball called our findings “eye-opening.”

Adam and his wife Kerry are the proud parents of three beautiful girls. Adam’s favorite hobby is running – he is a five-time

Chicago Marathon runner. Adam is a lector at St. Isaac Jogues Catholic Church in his hometown of Hinsdale, IL. In 2017,

Adam and his father attended the White House Correspondents Dinner

Dr. Wade D. Pfau, CFA®, is a Professor of Retirement Income in the PhD in Financial and Retirement Planning program at The American College of Financial Services. He is also a contributor to the The College’s Retirement Income Certified Professional® (RICP®) designation program curriculum.

Dr. Pfau is a co-editor of the Journal of Personal Finance. He has spoken at the national conferences of organizations for financial professionals such as the CFA Institute, FPA, NAPFA, AICPA-PFP, and AFS. He also publishes frequently in a wide variety of academic and practitioner research journals. He hosts the Retirement Researcher blog, and is a monthly columnist for Advisor Perspectives, a RetireMentor for MarketWatch, a contributor to Forbes, and an Expert Panelist for The Wall Street Journal. His research has been discussed in outlets that include print editions of The Economist, The New York Times, The Wall Street Journal, and Money Magazine.

Dr. Pfau was a selectee for the InvestmentNews “Power 20” in 2013 and “40 Under 40” in 2014, the Investment Advisor 35 list for 2015, the IA 25 list for 2014, and Financial Planning magazine’s Influencer Awards. He is a two-time winner of the Journal of Financial Planning Montgomery-Warschauer Award, a two-time winner of the Academic Thought Leadership Award from the Retirement Income Industry Association, and a best paper award winner in the retirement category from the Academy of Financial Services.

Dr. Pfau holds a doctorate in economics and a master’s degree from Princeton University, and Bachelor of Arts and Bachelor of Science degrees from the University of Iowa. He is also a Chartered Financial Analyst® (CFA®).