Michael I. Sheldon

Retirement Design & Management, Inc. provides investment advice. The company is based in Westport, CT and was founded in 1991.

Founded in 1997, Spencer Clarke LLC is a research-based full-service brokerage and investment banking firm headquartered in New York City. The firm offers a full range of services including: equities, fixed-income securities, mutual funds, portfolio and asset allocation, banking and fee-based managed accounts. For clients with a substantial net worth, they also offer a wide range of products and services including access to IPO and secondary stock offerings as well as the ability to participate in private placements. The valuation methods that Spencer Clarke uses are traditional and are based on such commonly utilized metrics as earnings, sales, EBITDA and free cash flow both on an absolute and relative basis. The research team employs a combination of macro-economic, fundamental and technical analysis. They also provide tactical asset allocation and investment diversification services. They perform research on individual equities among multiple, sectors, markets and indexes.

Northstar Wealth Partners LLC is an independent, SEC-registered investment advisor headquartered in West Hartford, Connecticut. It was founded by Robert (Bob) Laraia in 2014. The firm provides a wide array of investment advisory services to individuals and high net-worth Individuals, trusts, estates or charitable organizations, retirement plans, and corporations, LLCs and/or other business types. They also provide services on a wrap fee basis as a wrap program sponsor.

Founded in 1994, Williams Capital Group LP is an investment banking firm and broker/dealer located in New York City. The firm serves institutional investors and corporations in the in equity, fixed-income, corporate finance, investment management and private equity markets. Williams Capital provides debt and equity underwriting, secondary market trading, equity research, stock repurchase and corporate finance advisory services. The firm trades and distributes commercial paper and other money market instruments, structured products, corporate debt, government agency notes, and domestic and international equities. The trading desk provides clients with full-service execution for all listed and over-the-counter stocks. Williams Capital Group's clients include small institutional and hedge fund managers, mutual funds, insurance companies and public and private pension funds. The firm's traders provide clients with proprietary research generated by their analytical staff. Williams Capital Group is a member of FINRA and the SIPC.

The Bank of Tokyo-Mitsubishi Ltd. provides commercial banking services. The bank serves as the retail arm of The Bank of Tokyo-Mitsubishi UFJ (BTMU) in the United States. The company was established in 1996 and is based in New York, New York.