Robert A. Behren, CPA, Attorney, B.B.A, M.B.A, J.D. (first in class, N.Y.U), LL.M (N.Y.U.), recipient of numerous scholarships, fellowships and awards, has founded and published leading accounting magazines (The Practical Accountant, Accounting Technology, Practical Tax Strategies, among others) and newsletters (Clients Monthly Alert) for over 30 years. He was a Professor (Department of Economics) at a major university for over 15 years. He has authored or edited almost 2,000 published articles on financial management, some of which have been cited, as authority for their decisions, by the highest courts in the country (including the U.S. Supreme Court, the U.S. Court of Appeals, and the U.S. Tax Court). He has received a Presidential Commendation for Publishing from Ronald Reagan.

James E. Cheeks, Attorney, J.D., has advised entrepreneurs and professionals for more than 25 years, on small business taxation, planning and financial growth. Formerly adjunct professor of taxation at Pace University, he is the author of five major books and dozens of articles on taxation and financial planning and has lectured before many professional groups. He also served as Vice President and Director of Research Institute of America (RIA).

Mary L. C. Flood, CFA (Chartered Financial Analyst), CFP (Certified Financial Planner), MBA (Finance), is Managing Director of Inverness Counsel, Inc., an investment advisory firm. She has been a delegate to the White House Small Business Conference and Chair of the White House Conference Capital Formation Implementation. She is treasurer of the National Association of Women Business Owners. She writes a monthly finance column for Utah Business magazine and has been featured in a number of media interviews and articles in major publications such as Kiplinger's Personal Finance magazine.

Harry M. Markowitz, Ph.D., is winner of the Nobel Prize in Economics for the development of "portfolio theory." Portfolio theory determines portfolios - combinations of assets - which minimize risk on the portfolio as a whole for various levels of expected (or likely) return on the portfolio, taking into consideration the extent to which the returns on assets rise and fall together. His analysis of the tradeoff between portfolio risk and return has become standard. Much of modern financial theory, such as Nobel Prize winner William Sharpe's Capital Asset Pricing Model, is based on Markowitz' portfolio theory.

Thomas R. Robinson, CPA, CFP (Certified Financial Planner), Ph.D., M.A. (Accounting), B.A. (Economics), is a professor (Accounting and Financial Planning) at the University of Miami. He is recipient of the Teacher Excellence Award and has authored or edited over 20 published books and articles on financial planning and other financial topics.

Anne E. Wagenbrenner, J.D., LL.M. (Taxation), is a practicing attorney. A past Editor of The Practical Accountant magazine and an Editor at the American Institute of CPAs (The Client Bulletin), she has written and published many articles in the areas of tax and estate planning.