JOEL CARDIS, Esq., is an attorney and consultant with more than two decades of experience working with Fortune 500 executives and small businesses. He is the founder and President of an investment club comprising entrepreneurs and businesspeople.He can be reached at jcardisesq@snip.net SAM KIRSCHNER, PhD, is an internationally recognized management consultant and psychologist who has served as a director on the boards of both publicly held and private companies. Contact him at skirsch@hotmail.com STAN RICHELSON serves as a comprehensive financial planner, business advisor, and coach, integrating the fields of investments, law, tax, and accounting to provide solutions to complex problems. He can be reached at stanrichelson@aol.com JASON KIRSCHNER (jason.kirschner@yale.edu) is a senior at Yale University. HILDY RICHELSON, PhD, is President of the Scarsdale Investment Group, Ltd. as well as a nationally recognized bond advisor and financial author. Contact her at richelson@aol.com