Timothy J. Turner, JD founded Torrid Technologies in 1993 and has designed financial planning software programs including RetirementView(r) and WebCalcs(r). RetirementView is used by advisors at firms like LPL, NEXT, OneAmerica, and Lincoln Financial. His WebCalcs(r) software has been used by millions on websites for Pacific Life, AXA, The Hartford, TIAA-CREF, JANUS, MFS, The MONY Group, MassMutual, and Sun Life. Tim graduated from Boston Univ. as a Trustee Scholar with a B.S. in Electrical Engineering, Summa Cum Laude and from NCCU Law School, Magna Cum Laude. Chuck Price, CRFA, CSA is President of Price Financial Group Wealth Management, Inc. a Registered Investment Advisory Firm (RIA). For over 40 years he has helped clients employ comprehensive planning strategies to help clients increase income, reduce taxation, and never run out of money in retirement. He is the Author of the book "Investing Simplified" and is co-host on the longest running Live Financial Talk Show in America with a Financial Advisor, Estate Planning Attorney and a CPA, broadcasted out of Portland, Oregon every Saturday 8am PST and on the web: www.InvestingSimplifiedRadio.com Daryl Shankland has been guiding clients in their investment decisions since 1980, encompassing both good times and bad. Her broadcasting background has helped her communicate complex, quickly changing information to clients in a manner that they can understand. Daryl has been a frequent commentator on financial matters on television and radio. She served as branch manager of the Quincy, Illinois Smith Barney branch for many years before leaving to start her own firm. As an Accountant and a graduate of the College of Financial Planning in Denver, Colorado, Buddy Nidey applies his strong analytical to his work as an investment advisor representative. He enjoys coordinating clients' investment portfolios with solid financial planning that takes income taxes, diversification and safety into consideration. Bud also assists clients with income tax preparation, health, life and long term care insurance. Joe Pereira supports the retirement lifestyle plans of pre-retirees and retirees with financial planning strategies that focus on growth with preservation of capital. As President of Legacy Planning, Inc. in Miami, Florida he has personally assisted hundreds of families to wisely protect their assets and pay less income tax along the way. Joe has over 30 years of accounting and planning experience.