Provides Testimony In

Banking Management Economic Valuation, mortgage lending credit damages, Banking Services, Private Trust, Fiduciary Matters, Construction Lending, Loan Credit Administration Real Estate, Commercial Business, Credit Card Consumer Lending, Real Estate Development, Mortgage Banking, Fidelity, FACTA Fair Accurate Credit Transaction Act, Truncating Credit Card Account Numbers, Credit Card Expiration Dates On Receipts, Consumers, DRE Department Of Real Estate, Fair Accurate Credit Transactions Act, FACTA, Violations Of FACTA, Credit Debit Card Receipt Clarification Act Of 2007, Credit Card Truncated, Debit Card Truncated, Non Attorney Banking Consultant, Willful Noncompliance, Electronically Generated Receipt, Credit Card Or Debit Card Account Number, FACTA Lawsuits Clarification Act, Foreclosed Real Estate Properties, Foreclosed Assets, Administration Of Real Estate Properties Foreclosed, Lender Loan Documents, Collateral Property, Initiate A Foreclosure, Foreclosed Property Department, Foreclosed Real Estate Properties, Real Estate Owned, OREO, Real Estate Owned Or REO, Managing Foreclosed Properties, OREO REO Managers, Abandonment,

Professional background summary

20+ years experience in management at banks, savings & loans, credit companies, mortgage banking companies, and a governmental financial institution regulatory agency.  Positions held include board of directors member, executive vice president, senior vice president, manager of lending, manager of mortgage banking, regulatory supervisory agent tantamount to ceo).  Committee memberships included loan committee, executive committee, audit committee, and pension plan trustee.  Served as a corporate officer of various financial institution subsidiaries.

Management responsibilities included as many as 300 people in 22 locations nationwide in ten states and $2.1 billion (in 2015 usd) in gross assets.  Directly responsible for originating over 36,000 loans of all types totaling over $5 billion, reviewing over 25,000 real estate appraisals, and reviewing well over 100,000 financial statements and credit reports.

College & University:
University Of Alabama, BA, 1968.
Awards and activities:  gold merit key award for outstanding service to the university, outstanding army rotc platoon leader award, numerous publications activities, apartment manager.
University of Alabama, 1968, post-graduate work in finance, economics, real estate, and accounting.
University of Houston, 1973, post-graduate work in finance, valuation, real estate law.
Southern Methodist university, executive education courses in commercial real estate finance and securities, loan syndication, construction finance, 1983 – 1984.
Spring hill college, masters degree-level liberal arts and ethics courses, 1995.
Harvard business school, executive education.  Certificate in business valuation, 2005.

University Military School, Mobile, AL.  12-Year Prep day school.  Graduated 1963.
Awards & activities:  outstanding student in english, military awards, publications.

Other professional education:
American Bankers Association – American Institute Of Banking:  financial statement analysis, accounting, corporate finance, bank investments, principles of bank operations, bank management, trusts.
National institute of real estate boards, real estate investment & finance.
International council of shopping centers, shopping center finance & valuation.
National hospital association, 1-week workshop, healthcare entity finance & valuation.
Mortgage bankers association, two workshops:  multi-family and sfr lending.
Federal home loan bank of dallas, training workshops on financial institution management, lending, investments, operations, et al.
Texas savings & loan department, training workshops on financial institution management, lending, investments, operations, et al.
Federal home loan mortgage corp., real estate financing workshop.
Real estate workouts conference, laventhol & horwath, july 1987.
First national bank of mobile, al (later amsouth bancorporation, now regions financial), financial statement analysis, business finance, bank investments, credit card operations, deposit operations, bank management, trusts.
Gibraltar savings association (now bank of america), commercial real estate finance, valuation, joint-ventures.
Citicorp, business, corporate and real estate finance, valuation, deposit products, investments.
Southwest bancshares (later bank one, now jpmorgan chase bank) business finance and real estate investments.
Commercial credit corp. (now citigroup), one-week corporate marketing conference covering in-depth training in all financial products, plus 28 cdc learning center courses in business and economic subjects.
Frost bank, advanced credit analysis and business finance.

Employment history

1986 – present:  Banking, Management & Economic Consultant, Woodstock, GA
Consulting engagements covering a broad range of activities such as governmental financial institution regulatory oversight, interim management, workout and restructuring of troubled loans and foreclosed properties (residential and over 100 commercial properties), business & asset valuation, intangible asset valuation and issues, bank income tax issues, core deposit appraisals, merger & acquisition assistance, due diligence, business plans, management advice, policy and procedure manual matters, international engagements for clients in 37 countries involving work in 64 countries, writing & editing business books, feasibility studies, marketing studies, research, commercial real estate studies & advice, training & educational activities, and investment advice to investment managers, private equity funds, and hedge funds.
Expert witness engagements nationwide for 67 of the country’s top 400 law firms and hundreds of others representing plaintiffs and defendants nationwide and covering all areas of banking, mortgage banking, business valuation, intellectual property valuation, securities, investments, economics, economic damages, trusts & estates, real estate, credit cards, facta cases, check and credit card fraud, identity theft, funds transfers, international matters, leasing, bankruptcy preference, management, credit, finance, and general business.  Over 615 cases, 150 testimonies.

1985 – 1986:  Executive Vice President, Manager Of Lending & Mortgage Banking, Board Of Directors Member, Home Savings (Now Citigroup), Houston, TX.  Number two executive.  Also involved in investments, deposit activities, and credit cards.  Officer of several subsidiary companies.  Member of loan committee, executive committee, audit committee, et al.  Restructured the management responsibilities of several departments, increasing production, efficiency, and staff utilization.  Completed a $118 million (2015 usd) collateralized mortgage obligation loan securitization transaction through salomon bros.  Improved profits and reduced delinquencies.

1984 – 1985:  Senior Vice President, Manager Of Lending & Mortgage Banking, First Federal Savings (Later Guaranty Bank, Now Bbva Compass Bank), San Antonio, TX.  Number two executive.  Also involved in investments, deposit activities, and credit cards. Increased lending activities 40% in one year while reducing delinquencies and without adding to headcount.

1983 – 1984:  Southwest Regional Manager, Ford Motor Credit Corp., Houston, TX.  Manager of commercial real estate finance, and some financing with car dealers.

1977 – 1983:  Regional Manager, Commercial Credit Company (Now Citigroup), Houston, TX.  Manager of commercial and residential real estate financing for the southwest, and formally trained & involved in all financial products offered by the $16.8 billion (2015 usd) company.  Chosen to open the company’s first commercial real estate lending field office.  Top business producer every year.  Received the company’s largest bonus ever awarded – twice.

1974 – 1977:  Manager Of Commercial Real Estate Lending And Mortgage Banking, Southwest Bancshares (Later Bank One, Now Jpmorgan Chase Bank), Houston, TX.  Also involved in the origination and administration of construction loans, deposit & investment activities for lending clients including wealthy foreign nationals, corporate & personal lending, and credit card operations.  Created and managed a commercial mortgage banking entity for a multi-bank holding company.

1973 – 1974:  Assistant Regional Manager & Assistant Treasurer, Citicorp Real Estate, Houston, TX.  Mortgage banking and construction lending for citibank, n.a. (ny), and deposit, investment, and trust activities for wealthy foreign clients.  Helped establish a new office in houston, including staffing and the formulation of operating policies & procedures.  Primary territory covered seven states, and operated nationwide & internationally.  One of citicorp’s youngest officers ever.  Top business producer.

1972 – 1973:  Loan Officer & Manager Of Lending Department, Gibraltar Savings (Now Bank Of America), Houston, TX.  At age 26, managed the day-to-day lending operations of texas’ largest s&l (55th largest in the u.s.).  Handled construction & subdivision development loans, joint-ventures, commercial property lending, reo management, and high-volume builder accounts.  Completed & implemented several bonus-winning workflow efficiency improvement projects for various departments.

1968 – 1972:  First National Bank Of Mobile (Later Amsouth, Now Regions Financial), Mobile, AL.  Mortgage and real estate specialist in the wealth management area of the trust department.  Trained and worked in all areas of the bank including checking & savings, credit, corporate lending, mortgage lending, mortgage servicing, personal lending, operations, check processing, audit, international, investments, trusts & estates, corporate pension plan management, portfolio management, registered stock transfer agent & registrar, corporate bond trustee & registrar, fiscal & paying agent, bank security, credit card ops, ach, and funds transfers.

Representative client list 

Banks – domestic:
American Savings & Loan
Bancorpsouth Bank
Bank Insurance & Securities Ass’n.
Bank Of America
Bank Of Bentonville, Ar (Arvest Bank)
Bank Of Oklahoma
Bank Of The Southwest
Bank One (Now Jpmorgan Chase Bank)
Barnett Banks, Inc.
Bbva Compass Bank
Beal Bank
Bluebonnet Savings
Capital City Bank (Tallahassee)
Capital One Financial Corporation
Charter One Bank, N.A. (Cleveland)
Citizens Bank Of Pennsylvania
Community National Bank (Texas)
Deutsche Bank
Embassy National Bank
Equity Trust Company (Sd & Oh)
Fairwinds Credit Union
Fifth Third Bank
First Alliance Bank (Tn)
First Bank, Tallahassee, Fl
First National Bank Of Brewton
First National Bank Of Palm Beach
First National Bank Of San Marcos, Tx
First Tennessee Bank, N.A.
First Union Bank
Firstar Bank, N.A.
Flagstar Bank, Fsb
Haventrust Bank
Hsbc Bank Usa, N.A.
Indymac Bank, F.S.B.
Iowa Trust & Savings Bank
Jpmorgan Chase Bank, N.A.
Lehman Brothers Bank, Fsb
Liberty Bank & Trust Co., New Orleans
Marine Bank (Il)
Mbna America Bank
Miami Savings Bank
Midland Bancshares, Inc.
National city (bank) corporation

New South Federal Savings Bank
North  Fork Bank, Ny
Northshore Bank, Tx
(The) Ohio State Bank
Panamerican Bank
Park National Bank (Oh)
Pensco Trust Company
Plantation Federal Bank
Pnc Bank
(The) Provident Bank, (Oh)
(Now Pnc Bank)
(The) Provident Bank (Nj)
Rbs Citizens, N.A.
Regent Bank (Fl)
Republic Security Bank (Fl)
Security Federal Bank, Sc
Southeast Bank Of Miami, Fl
Southern Security Bank
Southern Security, F.C.U., Tn
Southtrust Bank
Standard Pacific Savings Bank
Star Bank, N.A.
State Farm Bank, F.S.B.
Sun Belt Federal Bank, F.S.B.
Sunbelt Savings (Now Bank Of America)
Suntrust Bank
Texas State Bank (Now Compass Bank)
Tidelands Bank
Trust Company Of America
United Bank & Trust Co. (Ky)
Us Bank, N.A. (Us Bancorp)
Vision Bank
Wachovia Bank
Washington Mutual Bank
Wells Fargo Bank
Western Gulf Savings & Loan
(Now Wells Fargo Bank)
William E. Wood & Associates
(Re:  Towne Bank, Va)

Banks – governmental:
Bank Of Tanzania (Central Bank)
Farm Credit Bank
Federal Reserve Bank Of Atlanta
Federal Reserve Bank Of Cleveland
The World Bank

Banks – foreign:
Alpha Bank Romania
Autovazbank (Tagliatti, Russia)
Banco Bilbao Vizcaya Argentaria     (Bilbao And Madrid, Spain)
Banco Industrial De Venezuela
Bancomer, S.A. (Mexico)
Bank Of America – Canada
Bayerische Hypo-Und Vereinsbank Ag     (Munich, Germany)
China Construction Bank (Beijing)
Credit Suisse
Rizal Commercial Banking Corp. (Phil.)
Royal Bank Of Canada
Royal Bank Of Scotland Group, Plc
Tanzania Institute Of Bankers
Unicredit Group Spa (Milan, Italy)

Investment banks:
Bear Stearns Companies, Inc.
Credit Suisse First Boston
Jpmorgan Securities, Inc., Tecm Group
(Tax Exempt Capital Markets)
Lehman Brothers Holding, Inc.
Morgan Stanley
Smith Barney (Citigroup)

Private lenders:
Aztec Financial
Beneficial Company, Llc
Beneficial Finance I, Inc.
Boston Credit Corp.
Central Financial Services
Ford Motor Credit Company
Oak Street Funding, Llc
Pioneer Financial Services
Pioneer Military Lending
Rehabber’s Financial
Royster-Clark Agribusiness
Singer Asset  Finance Company

Accounting firms:
International Accounting Standards     Board Foundation (London)
Junkermier, Clark, Campanella,     Stevens, P.C. (Cpas)
Mcgladrey & Pullen, Llp (Cpas)
Ralston & Company, P.A., (Cpas)
S.R. Snodgrass, A.C., (Cpas)

Hedge funds, private equity funds, investment advisors & managers:
Advisory Research, Inc. (Chicago)
Askox Capital Management, Llc
Bain & Company
Bartholomew & Company, Inc.
(The) Baupost Group, Llc
Brigade Capital Management, Llc
C12 Capital Management, L.P.
Chicago Fundamental Investment Partners, Llc
Davidson Kempner Capital Mgt., Llc
Deccan Value Advisors, L.P.
Dorchester Financial Securities, Inc.
Eton Park Capital Management
Fj Capital Management, Llc
Greywolf Capital Management, L.P.
Highbridge Capital Management     (Jpmorgan Chase Bank)
Investor Group Services, Llc (Boston)
Linden Advisors, L.P.
Omega Advisors, Inc.
Penn Schoen & Berland Associates
Perella Weinberg Partners, Lp
Rmf Ventures, Llc
Rs Investments
Sageview Capital, L.P.
Savannah-Baltimore Capital Mgt., Llc
Senator Investment Group, L.P.
Tyrian Investments, L.P.

Medical & healthcare:
Abraham Medical Practice
Blue Cross Blue Shield Association
City Of Hope Comprehensive Cancer
Research Center
Hi-Desert Memorial Hospital, Inc.
Las Cruces Surgery Center
Medical Job Marketplace.Com
Papanomics (Dna Testing Patents)
Sta-Home Hospice
Terrace Park Medical Center
United Surgical Partners Int’l
U.S. National Library Of Medicine,
National Institutes Of Health

Mortgage banking companies:
Allied Mortgage Group, Inc.
Ambassador Mortgage
Aurora Loan Services, Llc
Bac Home Loans Servicing, L.P.
Bank Of America Home Loans
Central Mortgage
Chase Home Finance, Llc
Countrywide Financial Corporation
Countrywide Home Loans, Inc.
Credit Suisse First Boston Mortgage     Capital
Doral Mortgage Corp.
Emc Mortgage Corp.  (Jpmorgan)
Expanded Mortgage Credit
Federal Home Loan Mortgage Corp.
(Freddie Mac)
Federal National Mortgage Corp.
(Fannie Mae)
First California Mortgage, Inc.
First Horizon Home Loans
Franklin Credit
Goldome Realty Credit Corp.
Graystone Solutions
Greenpoint Mortgage Funding
Greentree Mortgage
Homecomings Financial Mortgage
Homestar Mortgage
Ibm Lender Business Process Service
Legacy Financial Corp.
Lender Processing Services, Inc.
Madison Equity Mortgage Co.
Ncc Servicing
Nl, Inc., Dba Rpm Mortgage, Inc.
Nova Financial And Investment Corp.
Ocwen Loan Servicing, Llc
Ocwen Mortgage
Priority Bancorp, Ca
Priority Mortgage Corp.
Residential Pacific Mortgage
Reunion Mortgage, Inc.
Saxon Mortgage (Morgan Stanley)
Seterus, Inc.
Sfg Mortgage
Silver State Mortgage
Southwest Bancshares Mortgage Co.
Suntrust Mortgage, Inc.
Taylor Bean & Whitaker Mortgage
United Mortgage
U.S. Bank Home Mortgage
Victoria Funding Services
Wells Fargo Mortgage Corp.
Western Horizon Mortgage

Real estate & development:
Beacon Properties, Llc
Bosler & Hashioka Developers
Campidoglio, Llc
Carmen, Llc
Carver Theater, Llc
Case Realty, Inc.
Centrefund Development (Gainesville)
Gainesville Investors (Fl)
Greenbelt Property Management, Llc
Heartland Development Group, L.T.D.
Heritage Motels. Inc.
Holiday Sands Oceanfront Resort, Inc.
Id Development, Llc
Int’l Real Estate Equity Xchange
The King Edward Inn (Canada)
L&L Construction Company
Oaks Square Joint Venture (Fl)
Ocean Park Of South Carolina, Llc
Ocean-Fairwind, Llc
Oceanside Resorts, Inc.
Pacific Western Holdings, Inc.
Presidio Developers, Llc
Rancho Tuscana, Llc
Ruby Tuesday
San Marco, Llc
Se Property Holdings, Llc
Security Properties
Sequatchie Pointe Property Owners
(The) Simpson Organization, Inc.
Situs Capital
Stanford Carr – Ewa Development Co.
Sunrise Gardens Apartments,
Las Vegas, Nevada
Triangle Construction Company, Inc.
Tso Cigar Factory, Llc
Wal-Mart Real Estate Business Trust

Title insurance companies:
Chicago Title Insurance Company
Fidelity National Financial
Homeland Title Services, Llc

Acadia Insurance Company
Ace Limited (Zurich, Switzerland)
American Casualty Insurance Co.
American Family Insurance Group
American Family Mutual Insurance Co.
American Home Assurance Company
American Zurich Insurance Company
Arch Insurance Company
Aspen Insurance Holdings, Ltd.
Balboa Insurance Of California (Qbe)
Chartis, Inc.
Chubb & Son, Inc.
Coachella Valley Joint Powers
Insurance Authority
Colonial American Casualty & Surety
Continental Casualty Insurance Co.
Crum & Forster Managers
Cumis Insurance Society, Inc.
Cuna Mutual Group
Emc (Employers Mutual) Insurance
Empire Fire And Marine Insurance Co.
Erie Insurance Group
Federal Insurance Company
Fidelity & Deposit Co. Of Maryland
First Specialty Insurance Corp.
Hermitage Insurance Company
International Transport
Intermediaries Club, Ltd., Uk
Ironshore Insurance
Liberty Mutual Insurance Co.
Lloyd’s Of London, Uk
Military Premium Managers
National Union Fire Insurance Co.
Nationwide Mutual Insurance Co.
Newport Insurance Company
North River Insurance Co.
Philadelphia Insurance Companies
Physicians Life Insurance Company
Physicians Mutual Insurance Co.
Reliance Insurance
Selective Insurance Co. Of America
Sentry Select Insurance Company
St. Paul Travelers Insurance Co.
State Farm Insurance Co.
Swiss Re Group (Zurich, Switzerland)
Thomas Miller & Company, Uk
Title Industry Assurance Company
Tokio Marine Group

Tower Group Companies (Insurance)
Travelers Casualty & Surety
Insurance Co. Of America
Valley Forge Insurance Company
Western Heritage Insurance Company
Xerox Financial Services
Zurich American Insurance Company
Zurich North America Companies

Avtovaz (Russia’s Largest Car Co. – Lada Automobiles)
Bankard, Inc. (Philippines)
Boston Consulting Group – Dubai, Uae
China Cinda Asset Management Corp.
Confirmit (Oslo) (Pin Debit Networks)
Extraordinary Commissioner Of     Parmalat, S.P.A. (Italy)
Hitachi Data Systems (Branding)
Hvb Structured Finance, Inc.
Institute For Stock Market And
Management (Moscow, Russia)
International Accounting Standards Board Foundation (London)
International Monetary Fund
Kilimanjaro International (Africa)
Legend Holdings (Beijing, China)
Mckinsey & Co. (Seoul, South Korea)
Olympic Cube (Athens, Greece)
Panasonic (Toughbook Computer)
Phivos Karnaos (London & Moscow)
Scorpion International Services, S.A. (Athens, Greece)
United Nations Conference On Trade & Development
Ukrainian Accounting Reform Project
(Kiev, Ukraine)
Ventana International Equities (Costa Rica & British Virgin Islands)
Vestas Wind Systems A/S (Denmark)
Zapadnoe Koltze (Moscow, Russia)

Bank Of Tanzania (Central Bank)
City Of Big Bear Lake, California
City Of Indio, California
City Of Laquinta, California
City Of Loma Linda, California
City Of New Orleans, Louisiana
City Of Orange, California
City Of Palm Desert, California
City Of Sanger, California
City Of Springfield, Massachusetts
Coachella Valley Joint Powers
Insurance Authority (Riverside, Ca)
Federal Public Defender’s Office,
Fort Lauderdale, Florida
Federal Public Defender’s Office,
Fort Pierce, Florida
Federal Reserve Bank Of Atlanta
Federal Savings & Loan Insur. Corp.
Internal Revenue Service,
U.S. Treasury Department
New York Governor George Pataki’s
Office Of Regulatory Reform
Palm Desert Redevelopment Agency,
Riverside County, California
Resolution Trust Corp.
Senator Adlah Donastorg (Usvi)
Senator Ronald E. Russell (Usvi)
Springfield (Mass.) Leadership Institute
Springfield (Mass.) Public Schools
State Of Texas, Savings & Loan     Department (Regulators)
Tanzania Revenue Authority
U.S. Agency For International      Development (Washington, D.C.;     Kiev, Ukraine; Moscow, Russia)
U.S. Air Force (Guantanamo Bay, Cuba)
Judge Advocate General’s Corps     Office Of Special Investigations
U.S. Department Of Education,     Inspector General’s Office
U.S. Small Business Administration
United Nations Conference On Trade     & Development
Weld County, Colorado

Automotive & trucking:
Automotive Transfers, Inc.
Ford Motor Credit Company
Forest River, Inc. (A Warren Buffett,Berkshire Hathaway Company)
Glaval Bus
Honda Of The Avenues
Import Specialists
Lou Sobh Automotive Of Jacksonville
Marburger Automotive Group
Marchese Chevrolet
Napa Auto Parts
Saia (Trucking)
Shelby Motors, Llc
Southern Freight, Inc.
Specialty Motor Cars
St. Michael Motor Express, Inc.
Tim Marburger Dodge Chrysler Jeep
Tl Of Florida, Inc. (Terex & Scania)
Trans Link Motor Express, Inc.
Valvoline Oil (Marketing)

Computers, It, Telcom, Software:
Addstor Software
Alpha Software
Benchmarking Partners
Broderbund Software
Buttonware Software (Pc Calc+)
Cisco Systems
Computer Associates
Crimson Consulting (Software Testing)
Dataease International
Economist Intelligence Unit – It Collaboration Systems
Hewlett Packard, Intel Blade Servers
Ibm – Lotus Development
In-Stat Market Data Research (Wans)
Intuit, Inc
Microsoft – Office/Visio
Nbi Software
Network Software Associates
Peoplesoft, Inc.
Providedpath Software, Inc.
Qwest (Telephony)
Sap Americas, Inc.
Sungard Availability Services (It)
Synovate Research (It)
Timeworks Software

Estates and trusts:
Sidney D. Alpert Trust
Warren Ashmann Retirement Trust
Autrey Family Trust
Pensco Trust – Deborah Barber
Pensco Trust – Kenneth Barber
Vincent C. Bash Estate
Vincent C. Bash Irrevocable Trust
Vincent C. Bash Revocable Trust
Bingham Trust
Pensco Trust – Bingham
James W. Borg Estates
Mary Borg Estate
Thomas W. Bowen Revocable Trust
Barry Brucker Estate
Rebecca Bell Budd Irrevocable Trust
Samantha Renee Budd Irrevocable Tr.
Chickering Trust
David B. Clayton Estate
Stella E. Coffman Living Trust
Paul E. Cohan Revocable Trust
Aiden Couch Estate
Equity Trust Company Fbo Cusimano
Joseph David Estate
George Delp Estate
Grace Delp Estate
Maureen S. Demarco Revocable Trust
Duchesne Estate
Pensco Trust – Fry
John & Pamela Fry Revocable Trust
Estate Of Christine C. Garner
Estate Of Elsinore Machris Gilliland
Donald Gragg Trust
Griffin Estate
Jeanette Harris Estate
Harlean  J. Hart Living Trust
Clifford R. Hayes Irrevocable Trust
Estate Of William R. Heveder, Sr.
Infinity Trust
Helen Jaffa Family Trust
Homestar Defined Ben. Pension     Plan
Ira Resources Fbo Dohren Jones
J. Exclusives Irrevocable Trust
Hulda Jordy Estate
Magdalena Jordy Estate
Conservator For Lauren Kavajecz
Equity Trust Company Fbo Krymis
Sterling Trust Co. Fbo Lenets
Melvin L. Levin 1992 Trust
Pensco Trust – Lillo

Sterling Trust Co. Fbo Lingle
Dianne Luckett Self-Directed Trust
Trust Co. Of America  Fbo  Malone
Jeanne C. Mauldin Estate
Curtis Mayfield Estate
Curtis Mayfield Revocable Trust
Hellen Kasey Miller Trust
Moran Trust
Perlmutter Family Revocable Trust
Gloria J. Plourde Trust
Rek Trust
Roger A. Nelson Profit-Sharing Plan
Rogers Estate
Marvin Rose Irrevocable Trust
Ronald E. Scherer, Sr., Trust
Pensco Trust – Schreck
Beatrice Sherter 1989 Family Trust
Sls Realty Trust
Laura L. Spinti Trust
Bradley & Brian Stephens Trust
Brian Stephens Trust
Stephens Family Trust
Brendan Szulik Revocable Trust
Kaitlin Szulik Revocable Trust
Keenan Szulik Revocable Trust
Raymond W. Szulik Revocable Trust
Linda Scherer Talbott Trust
Taylor Charitable Remainder Unitrust
Thomas Estate
True Family Intervivos Trust
Sandra D. Walker Revocable Trust
Wendell R. Walker Revocable Trust
Ira Resources Fbo David Wasko
Trust Co. Of America Fbo Wasko Ira
William F. Weber Trust
John C. Werk Estate (Coca-Cola Heir)
White Family Trust
Kathryn M. Yates Revocable Trust
Catherine Yob Estate
Rudolph Yob Estate
Alexander R. Zheutlin Trust
Jeffrey D. Zheutlin Trust
Marilyn C. Zheutlin Living Trust

Other clients:
67 of the country’s top 400 law firms
600+ law firms
900 small business owners in new orleans’ lower 9th ward and st. Bernard parish damaged by The Ingram Barge During Hurricane Katrina
Admiral Security
American Consolidated Credit
American Trade System Cooperative
Anco Merchandising
Andy Beal, Forbes 400 List
Ashland, Inc.
Bbc International
Big Easy Management Corporation
Calco Aerospace
Certified H. R. Services, Inc.
Chemonics International
Christian Bay Shipping Company
Club Mansion
Colorbay, Llc
Concord Boat Corp.
Leon G. Cooperman, Forbes 400 List
Creditcare Credit Counseling
Csg Investments, Inc.
The Cura Group, Inc.
Darryl’s Restaurants
Davis-Lynch, Inc.
Dr. Richard Dombroff
Education Central, Inc. (Usvi)
Emergent Solutions Group, Llc
Encore Capital Group, Inc.
Essex 3 Tabulations
Evergreen Pulp, Inc.
Fillette Green Shipping
Fleming Electric Co.
Franklin Collection Service, Inc.
Fraud Discovery Institute
Fremont Reorganizing Corporation
Gbs Forms & Systems
James Goodnight, Forbes 400 List
Greenbelt Claims Recovery , Llc
Hawk Group
Houlihan’s Restaurants
Hundreds Of Individuals And Families
International Business Machines Corp.(Ibm)
International Payout Systems, Inc.
Inverelle, Inc.
Jancik Concrete Specialties
George B. Kaiser, Forbes 400 List
Le Bleu Corp. (Bottled Water)
Little Tykes Learning Academy
Lps Field Services, Inc., F/K/A Fidelity National Field Services, Inc.
Midas Financials
Midland Credit Management, Inc.
Midland Funding Ncc-2 Corporation
Midland Funding, Llc
Midwest Merger Management
Montgomery Capital Advisors, Llc
Morrison’s Cafeterias
Mrc Receivables Corporation
Nature’s Pearl Corp.
Operative Plasterers & Cement Masons     International Association
Ownbey Oil Company
Pleasant Valley Biofuels, Llc
Radio Engineering Industries, Inc.
Remington Investments
Results Technologies, Inc.
Reynolds Lumber Company
Sansbury Ace Hardware
Signature Reorganizing Corporation
Southgate Master Fund, Llc
Spectrum Financial Group
Star Island Entertainment, Llc
Stuckey Diamonds, Inc.
Tax Express Income Tax Services
Teknologi, Llc
Gary Tharaldson, Forbes 400 List
Transcontinental Products & Services
Trust Company Of America
Wal-Mart Stores, Inc.
Werk Family (Coca-Cola Heirs)
Westat, Inc.

Research, consulting, referral:
Advantus Global, Inc.
Answers Research, Inc.
(The) Boston Consulting Group
Celent, Llc
Circle Of Experts
(The) Forensis Group
Forrester Research, Inc.
Gerson Lehrman Group (New York,Austin, Washington, D.C.,Hong Kong, China)
Gfk Custom Research
Guidepoint Global Advisors
Hewlett-Packard Co. (Was Bei Golembe Consultants, Later Eds)
Lightspeed Research
M/A/R/C Research (Health Insurance)
Millward Brown Intelliquest
Nitron Circle Of Experts
Primary Insight (London)
Russell Research
Standard & Poor’s
Summit Research Group
Technical Advisory Services For Attorneys
Technical Assistance Bureau
Thomson Reuters
Tribeca Insights
Vista Research
West Services, Inc.
Westlaw Round Table Group

Barron’s Educational Software
Bisk Publishing
Cliff’s Notes Publishing
Forbes Magazine
Institutional Investor
Interlink Publishing Group, Inc.
Irwin Professional Publishing
Mcgraw-Hill Companies
Origination News
Prentice Hall Publishing
Simon & Schuster Publishing
Source Media
Thomsen Reuters

American Heart Association
Braille Institute Of America, Inc.
The Cancer Research Fund Of The Damon Runyon-Walter Winchell Foundation
Fundacion Servicio Integral A Jovenes     Adolescentes (Ecuador)
Hi-Desert Memorial Hospital, Inc.
International Accounting Standards Board Foundation (London)
Legal Services Corporation Of Virginia
The Salvation Army

Books, publications & news media
available upon request

Past professional memberships

American Bankers Association
American Institute Of Banking, Chapter Officer And Bank Consul
U.S. League Of Savings Institutions
Institute Of Financial Education, Instructor
Mortgage Bankers Association
Texas Mortgage Bankers Association
American Council Of State Savings Supervisors
American Bankruptcy Institute – Committees:  Public Companies, Real Estate,International, U.C.C., Commercial Fraud Taskforce, Healthcare.
Board of realtors
National Association Of Homebuilders
International Council Of Shopping Centers
Houston (Tx) Chamber Of Commerce, Economic Development Committee, 9 Years

Recognition in biographical reference books
Who’s Who In America, 52nd – 60th, 63rd- 70th (2016) Eds.
Who’s Who In The World, 12th  – 16th , 26th – 27th, 32nd –  33rd (2016) Eds.
Who’s Who In Finance & Industry, 26th – 29th  And 33rd Eds.
Who’s Who In Medicine & Healthcare, 1st – 8th Eds.
Who’s Who In The South & Southwest, 21st – 33rd, And 35th – 42nd (2016) Eds.
Directory Of Distinguished Americans, 5th Ed.
Who’s Who Registry Of Global Business Leaders, 1993 – 1994 Ed.
Who’s Who Of Emerging Leaders Of America, 3rd Ed.
Who’s Who Registry Of Business Leaders, 1994 Ed.
Personalities Of America, 5th Ed.; Personalities Of The South, 14th Ed.

Other professional activities
Consultant on various economic, valuation, real estate, marketing, banking matters for clients in 49 states, two u.s. territories, and 37 countries in the americas, europe, asia, the middle east, and africa covering work involving 64 countries.
Expert witness, for plaintiff and defense, listed in the american association for justice’s and the defense research institute’s databases of expert witness consultants, plus state and local databases in at least 18 states and cities.
Engaged for over 615 expert witness cases for plaintiffs and defendants nationwide, testified 150 times and achieved 12 courthouse settlements.
Approved registered u.s. government contractor.
Phillips  college, former adjunct professor of business.
Institute of financial education, approved instructor for the educational arm of the u.s. league of savings institutions.
Gulf coast school of real estate, instructor and course writer.
Prentice hall publishing, simon & schuster, paramount communications, technical editor and consultant on banking and real estate subjects.
Holiday inn and rodeway inns, lender advisory panels.
Novick’s money market seminars, panelist.
National directory of corporate distress specialists, approved mgt. Consultant.
Licensed sports agent, approved by the ncaa, major league baseball players association, and the al athlete agents regulatory commission.
American arbitration association, approved professional commercial arbitrator.
State of texas real estate commission, approved instructor and course author.
Texas real estate broker’s license held for over ten years.




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