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February 23, 2011 8:30 a.m. - 10:00 a.m.
With delinquencies and foreclosure rates at historic highs you can't afford to miss this year's Opening General Session where you will hear representatives from the U.S. Department of the Treasury, Fannie Mae, Freddie Mac and U.S. Department of Housing and Urban Development (HUD) provide an update on the industry and efforts to stabilize the housing market, as well as reduce delinquencies and foreclosures. Hear what's new and on the horizon in an ever-changing marketplace. This is a great opportunity to hear from the players whose actions impact your business day-to-day for years to come.
Opening Remarks:
John A. Courson
President and Chief Executive Officer
Mortgage Bankers Association
2011 Chairman's Remarks and Moderator:
Michael D. Berman, CMB2011 MBA
Chairman President and Chief Executive Officer CWCapital
Featured Speaker:
Edward J. DeMarco
Acting Director
Federal Housing Finance Agency
Speakers:
Vicki Bott
Deputy Assistant Secretary for Single Family Housing
Federal Housing Administration
Jeffery R. Hayward
Senior Vice President, National Servicing Organization
Fannie Mae
Darius Kingsley
Deputy Chief, Homeownership Preservation Office
Department of the Treasury
Anthony Renzi
Executive Vice President, Single Family Portfolio
Freddie Mac
February 23, 2011 10:30 a.m. - 12:00 p.m.
Hear from government officials as they discuss the latest changes and proposals to Federal Housing
Administration (FHA), Ginnie Mae (GNMA), Veterans Affairs (VA) and Rural Housing Service (RHS) programs that impact servicing operations.
Moderator:
Steve O’Connor
Senior Vice President, Public Policy and Industry
Mortgage Bankers Association
Speakers:
Christopher C. Haspel
Director, Monitoring Division
Ginnie Mae
Presentation- Haspel
Matt Martin
Program Director, Loss Mitigation
HUD's National Servicing Center, Department of Housing
Presentation- Martin
Andrew Trevayne
Loan Specialist
Department of Veterans Affairs
Presentation- Trevayne
Susanne Wilson
Manager, Guaranteed Lender Oversight
USDA Rural Development
Presentation- Wilson
February 23, 2011 10:30 a.m. - 12:00 p.m.
Industry experts representing the servicing industry, investors, the legal industry and academia discuss leading practices in mortgage deficiency recovery and other tactics used to combat strategic default. Given the significant rise in strategic defaults, servicers and investors are updating their approaches to addressing this challenging issue, including deficiency recovery. Explore effective deterrents to strategic default, current and emerging servicer/investor policies in this area and best practices in recovery programs.
Moderator:
Michael Kaysen
Managing Director
PricewaterhouseCoopers, LLP
Panel Presentation
Speakers:
Howard R. Crane
Managing Attorney
Fein, Such and Crane, LLP
Jim Davis
Executive Vice President
American Home Mortgage Servicing, Inc.
Steve Dunn
Group Vice President, Loss Mitigation
SunTrust Mortgage, Inc.
Steve Holden
Vice President, Loss Mitigation Research
Fannie Mae
Roxanne Lockett
Group Vice President, Loss Control
SunTrust Mortgage, Inc.
Amit Seru
Assistant Professor of Finance
University of Chicago, Booth School of Business
February 23, 2011 10:30 a.m. - 12:00 p.m.
For the past two years, servicers have learned to comply with government programs, including the Home Affordable Refinance Program (HAMP) and Home Affordable Foreclosure Alternatives (HAFA) program. New programs meant to provide additional help for homeowners are now being challenged. With some forethought to compliance, a servicer can navigate and avoid litigation in all areas of servicing. Panelists highlight the latest information on Federal Law Claims, including HAMP and HAFA litigation, Fair Debt Collections Practices Act (FDCPA), Equal Credit Opportunities Act (ECOA) and litigation in connection with the foreclosure process. Get updated on state law claims, claims against servicers and claims against borrowers.
Moderator:
Larry Johnson
Managing Partner
Johnson & Freedman, LLC
Panel Presentation
Speakers:
Daniel C. Consuegra
Managing Partner
Law Offices of Daniel C. Consuegra
Desarae Harrah
Attorney
Martin, Leigh, Laws & Fritzlen, PC
Jennifer Monty
Attorney, Litigation & Defense Department at REDG Group
Weltman, Weinberg & Reis, Co., L.P.A.
Anne E. Sutherland
Executive Vice President & General Counsel
Nationstar Mortgage LLC
February 23, 2011 10:30 a.m. - 12:00 p.m.
With today’s ever-changing mediums of communication, it is more challenging than ever to effectively reach customers with the right messages. Not to mention, each generation prefers their own mix of technologies, ranging from traditional voice communication to texting and social media. Learn effective techniques for getting your mortgagors’ attention through the right mix of media, frequency and message. Panelists from premier organizations will share what they have done to develop and strengthen their own outreach programs, communicate more effectively with their customers and utilize the very same channels their customers already use for faster direct contact.
Moderator:
Missy Zakett
Vice President, Vertical Sales
Western Union Payments
Speakers:
Joel M. Davis
Vice President, Servicing Call Centers & Operations
Aurora Loan Servicing
Rob Greenbaum
Director, Credit & Consumer Marketing
Fannie Mae
Steve Hess
Executive Vice President, Marketing
Nationalstar Mortgage
February 23, 2011 1:30 p.m. - 3:00 p.m.
The number of liquidation strategies has exponentially increased since 2007. Servicers have had to cope with this crushing volume, while investors have shifted their mindset that their loss pre-foreclosure is much less than in REO. This group of experts features an institutional investor, mega servicers, a mortgage insurer and the leading outsourcers who will provide a 360-degree view of the best practices in pre-foreclosure liquidation. They will debate the pros and cons to HAFA, short sales, short refinances, deeds in lieu of foreclosure and upcoming creative methods of liquidating properties before the foreclosure sale.
Moderators:
Travis Hamel Olsen
Chief Operations Officer
Loan Resolution Corporation
Jane Kennedy Winters
National Sales Manager
ServiceLink, FNF’s National Lender Platform
Panel Presentation
Speakers:
Leo Esposito
First Vice President, Loss Mitigation and Asset
ServiceLink, FNF’s National Lender Platform
JK Huey, CMB, AMP
Senior Vice President
Wells Fargo Home Mortgage
David Sunlin
Senior Vice President
Bank of America
Beverly Wilbourn
Vice President
National Servicing Organization, Preferred Loss
February 23, 2011 1:30 p.m. - 3:00 p.m.
Hear from top executives at Freddie Mac as they discuss the latest information on key servicing topics that impact your day-to-day operations. Learn what steps are being taken to provide solutions to help you manage servicing volume and to help troubled borrowers avoid preventable foreclosure.
Introduction:
Sandra Troutman
Director of Public Policy and Industry Relations
Mortgage Bankers Association
Speakers:
Chris Bowden
Vice President Home Steps
Freddie Mac
Stephen Clinton
Vice President of Loan Administration & Operations
Freddie Mac
Tracy H. Mooney
Senior Vice President of Servicers Relationships & Performance Management
Freddie Mac
February 23, 2011 1:30 p.m. - 3:00 p.m.
Review the latest trends and drivers in the area of bankruptcy filings for the past year and explore the outlook going forward. The forecast is a chapter by-quarter analysis, which includes an unemployment forecast that utilizes information from Public Access to Court Electronic Records (PACER), Federal Deposit Insurance Corporation (FDIC), U.S. Bureau of Labor Statistics, Federal Reserve and various investment bank reports. Bring questions to this interactive session and learn about bankruptcy trends that include regional differences, bankruptcy drivers, unemployment forecasts and the impact of "Black Swan Events" (rare events that could significantly change the forecast).
Moderator:
Blair Korschun
Senior Vice President
Ascension Capital Group Bankruptcy Services
Panel Presentation
Speakers:
Larry Fallon
Associate Counsel
Ally Financial
Alice Whitten
United States Bankruptcy Court Trustee
Standing Chapter 13 Trustee
February 23, 2011 1:30 p.m. - 3:00 p.m.
Fraud has migrated from originations into servicing, via schemes focused on defaults, loss mitigation and REO properties. Desperate borrowers are being recruited by fraudsters using deceptive practices that include foreclosure rescue, puffing, REO and presale flipping. Get an overview of these schemes that target servicing and discuss the technological tools that are available to provide assistance to lenders. Expert panelists cover the current landscape (defaults, risk mitigation and recent legislation), schemes and risk avoidance alternatives.
Moderator:
Ann Fulmer
Vice President – Business Relations
Interthinx
Panel Presentation
Fraud Check
Fraud Schemes
Strategic Mortgage Default
Speakers:
Rachel M. Dollar, CMB
Shareholder
SmithDollar PC
Regina Forest
Vice President, Regional Manager - East, Global
Bank of America
Edward J. Gerding, II
Senior Fraud and Risk Consultant
CoreLogic
Gagan Sharma
President and Chief Executive Officer
BSI Financial Services, Inc.
February 23, 2011 3:15 p.m. - 4:45 p.m.
Join us for an update on the interaction of HAMP and non-HAMP loan modifications within an active bankruptcy case. Hear from representatives that work with these loans daily and gain their insights on best practices when working out modifications on loans that are currently involved in bankruptcy proceedings.
Moderator:
Hilary B. Bonial
Of Counsel
Brice, Vander, Linden & Wernick, P.C.
Panel Presentation
Decision and Order Overruling Creditor's Objection to Loss Mitigation
Speakers:
Michael S. Arnovitz
Managing Attorney
Reimer, Arnovitz, Chernek & Jeffrey Co., LPA
Macy Ford, Esq.
Managing Attorney
Trott & Trott PC
Scott Goldsberry
Assistant Vice President, Bankruptcy
Bank of America Home Loans
Dan A. West
Managing Attorney
South & Associates, P.C.
February 23, 2011 3:15 p.m. - 4:45 p.m.
The claims process involves working with varying insurer, investor and MI guidelines, data entry in multiple websites, completing required forms, and submitting documentation to the applicable recipients. One of the challenges for servicers in today's economic environment is maximizing financial recovery while minimizing reputational and monetary risk. For loans in default, claim filing represents a labyrinth of requirements and cost allowables, challenging servicers to hire and train personnel to have a thorough understanding of their organization's claim filing strategy. In this panel, industry experts from leading servicers, claims professionals, MI companies and government insurers discuss these challenges and identify solutions to increase efficiencies and mitigate risk associated with delays in claim filing, suspensions, disallowed costs and audit and repurchase exposure.
Moderator:
Souren Sarkar
Executive Vice President
ISGN
Panel Presentation
Speakers:
Paul Fischer
Executive Vice President
Radian Guaranty Inc.
Jodi Gaines
Chief Executive Officer
Claims Recovery Financial Services (CRFS)
Tracy Hager
Vice President, Operations
Mortgage Contracting Services, LLC
Sarah P. Martin
Chief, Single Family Claims Branch
U.S. Department of Housing and Urban Development
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February 23, 2011 3:15 p.m. - 4:45 p.m.
The longer vacant properties stay in inventory, the more challenging it is for escrow managers. This panel highlights the challenges, solutions and best practices for servicers to reduce expenses and address loss and expenses due to damaged conditions while maximizing proceeds and meeting tax obligations. Panelists address the opportunities and limitations of retail and force-placed hazard insurance, current trends in maximizing recoveries when damages are detected, risk regarding compliance demands from insurers and investors, the balance of timelines, recoveries and repairs and the rights of servicers to challenge the quick denial. Can servicers really recover on damages caused by the departing occupant? How long after the loss will insurance coverage last? These questions and more will be answered by a panel of experts.
Moderator:
Michelle Stevens –Schultz
Operations Unit Manager, Property Preservation & Hazard
Chase Mortgage
Panel Presentation
Speakers:
Stacey Baumann
Vice President
MSI
Hollis Daedelow
Manager – Hazard Claims
Safeguard Properties
Eyal Leeder
Vice President – Business Development
Superior Home Services, Inc.
Ronald R. Reitz
President
Quality Claims Management Corporation
Robert Shekell
Senior Vice President
Sterling National Corporation
Jami Sherr
Vice President of Client Relations
Dimont & Associates
February 23, 2011 3:15 p.m. - 4:45 p.m.
Join representatives from Fannie Mae’s senior servicing team and hear about the latest initiatives, servicing policies and much more. This session focuses on new initiatives and discussions around other ideas that can help increase servicer efficiency and reduce costs when servicing Fannie Mae loans
Moderator:
Jeffrey Hayward
Senior Vice President, National Servicing Organization
Fannie Mae
Speakers:
Mike Hernandez
Vice President, Foreclosure Prevention and Outreach
Fannie Mae
Bob Hora
Vice President, Default Management
Fannie Mae
Gwen Muse-Evans
Vice President CRO, Credit Portfolio Management
Fannie Mae
Leslie Peeler
Vice President, Servicing Portfolio Management
Fannie Mae
February 24, 2011 9:00 a.m. - 10:30 a.m.
MBA Chief Economist and Senior Vice President of Research, Jay Brinkmann, Ph.D. shares an in-depth regional and national breakdown of the real estate finance market, including current delinquency statistics, trends and a 2011-2012 outlook for the economy. Attend this session to hear the latest information that will have a direct impact on your business and guide you on prudent ways to position yourself for success in the future. This session includes an interactive question and answer component.
Speaker:
Jay Brinkmann, Ph.D.
Senior Vice President and Chief Economist, Research and Economics
Mortgage Bankers Association
Presentation- Brinkmann
February 24, 2011 11:00 a.m. - 12:30 p.m.
Not every loan has to have a GSE investor. There are a variety of investors who want to make sure their assets receive good care. Attend this session to learn the rules for satisfying the needs of private investors, as well as best practices for delinquency management. Expert panelists discuss loan modification options that are generating cash flow and mitigating loss.
Moderator:
Diane Pendley, CMB
Managing Director
Fitch Ratings
Speakers:
Joseph Dombrowski
Executive Consultant
Fiserv
Ali Haralson
Chief Operations Officer
Specialized Loan Servicing, LLC
John Harris
Assistant Vice President, Foreclosure Bankruptcy
MetLife Home Loans
Peter Muriungi
Senior Vice President, Special Portfolio Management
GMAC ResCap
Carla Wise, CRMP, CMB
Executive Vice President, Residential Loan Servicing
Aurora Loan Services
February 24, 2011 11:00 a.m. - 12:30 p.m.
With high default rates and an increasing number of vacant properties, the real estate finance industry is faced with the daunting task of ensuring that properties are maintained and collateral and neighborhood values are protected. Mortgage servicers and municipalities have the common objective of ensuring compliance. Hear expert panelists explore current challenges and changes to property preservation laws and regulations.
Moderator:
Marc J. Hinkle
Vice President, Loan Servicing
PHH Mortgage
Panel Presentation
Speakers:
Clinton Alcorn
Vice President, Strategy and Initiatives Manager
Bank of America Home Loans
Vicky Beever
Operation Unit Manager
JP Morgan Chase
William Collins
Mortgagee Compliance Manager, GTR
U.S. Department of Housing and Urban Development
Alan Jaffa
Chief Executive Officer
Safeguard Properties
Caroline Reaves
Chief Executive Officer
Mortgage Contracting Services, LLC
Christopher Redmond
Director, National Servicing Organization, Condo and Investor Borrower Solutions
Fannie Mae
February 24, 2011 11:00 a.m. - 12:30 p.m.
Contracts, Conferences, Contact Lists, Computers, Communications, Compliments, Clients and Calamities are all common threads in the life of servicers, government agencies, attorneys and service providers. This session reviews industry best practices and discusses cutting-edge trends that facilitate streamlined interactions and exchanges of information that ensure the successful execution of new strategies and enhance already successful processes and procedures to ensure compliance with various laws and programs and achievement of corporate goals.
Moderator:
Kris Fuller Delk
Chief Operating Officer
The Wolf Firm, A Law Corporation
Speakers:
George G Caballero
Corporate Counsel
Home Servicing, LLC
Roxanne Lockett
Group Vice President, Loss Control
SunTrust Mortgage, Inc.
John Maxwell
Chief Operating Officer
Mortgage Contracting Services, LLC
Marty M. Stone
Managing Partner
McCalla Raymer, LLC
February 24, 2011 11:00 a.m. - 12:30 p.m.
The Making Home Affordable (MHA) programs continue to be important components of relief to homeowners struggling to make their mortgage payments. Come to this session to hear the latest updates on HAMP, second lien programs, HAFA and Home Affordable Unemployment Program, as well as the new HAMP requirements imposed by the Dodd-Frank Act. This session also provides an overview of MHA's audit parameters and processes.
Moderator:
Josh Denney, AMP
Vice President, Public Policy and Industry Relations
Mortgage Bankers Association
Speakers:
Larry Gilmore, CMB, AMP
President and Chief Executive Officer
HOPE Loan Port
Laurie Maggiano
Director of Policy, Homeowner Preservation Office
Department of the Treasury
Faith Schwartz
Executive Director
HOPE NOW Alliance
February 24, 2011 1:45 p.m. - 2:45 p.m.
The Civil Rights Division of the U.S. Department of Justice (DOJ) has announced its intention to identify and combat discriminatory practices in the loan modification process, including the use of data reported by HAMP servicers to identify potential targets for investigation. Join panelists in a discussion of the issues involved in assessing fair lending compliance in loan modifications and loss mitigation. Panelists discuss recent enforcement and examination trends, potential impacts of the changes in consumer financial regulatory structure under the Dodd-Frank financial reform legislation and much more.
Moderator:
David Skanderson
Principal
Charles River Associates
Panel Presentation
Speakers:
Lynn Gottschalk
Economist
Federal Reserve Board
Gregg Imm
Director of Community Affairs and Fair and Responsible
Fifth Third Bank
Anand S. Raman
Partner
Skadden, Arps, Slate, Meagher & Flom LLP
Paper- Raman
February 24, 2011 1:45 p.m. - 2:45 p.m.
In the face of unprecedented levels of default, servicers are revamping workflow processes, leveraging technology and turning to new staffing and outsourcing options. This panel examines how these new approaches are enhancing loan modification and loss mitigation efforts and anticipating changes in compliance requirements.
Moderator:
Kevin Wall
Vice President of Operation, Outsourcing and Technology
CoreLogic
Speakers:
Jill Bohlken
Vice President, Cash Ops/Rate Admin and Claims
GMAC Mortgage
Jay Bray
Executive Vice President and Chief Financial Officer
Nationstar Mortgage
Scott D. Samlin
Executive Director, Lending Compliance
Morgan Stanely
Arvin Wijay
Chief Executive Officer
Retreat Capital Management, Inc.
February 24, 2011 1:45 p.m. - 2:45 p.m.
This panel explores benefits, challenges, legalities and technology in the life of paperless loan servicing from closing to loan boarding; servicing to default; loss mitigation to DIL and short sales. Industry experts share perspectives from the trustee / custodian, investor, servicer and technology provider's point of view on eRecording, eClosing, eNotes, eSignature and eDistribution of documents.
Moderator:
Douglas Danko
Vice President, Sales and Marketing
MERS
Panel Presentation
Speakers:
Christos Bettios
Financial Services Manager, Product Development and Management
Fannie Mae
Chris W. Christensen
Attorney
PeirsonPatterson, LLP
Larry L. Gilmore, CMB AMP
President & Chief Executive Officer
HOPE LoanPort
Jeffrey D. Haggett
Senior Vice President, LSI
Lender Processing Services, Inc.
Tanya R. Jones
Assistant Vice President, Problem Debt Management
CCO Mortgage
Gordon Workman
Servicing Electronic Loan File Leader
Wells Fargo Home Loan
February 24, 2011 1:45 p.m. - 2:45 p.m.
With so many choices in the marketplace it is important that you have a clear understanding of how to evaluate, manage and make the right vendor selections to compliment your business. A panel of mortgage servicers and service providers discusses how to select a vendor and gives helpful management success tips, including an overview of the important elements in selecting an outsourcing partner. This panel delves into how supplier diversity improves the housing market through collaboration, which creates opportunities for minority organizations nationwide.
Moderator:
Cheryl Lange
President & Chief Executive Officer
Integrated Mortgage Solutions (IMS)
Panel Presentation
Speakers:
Sharon Bartlett
Director, Vendor Services
HomeSteps - A Freddie Mac Unit
Stacey Baumann
Vice President
MSI
Bill Merrill
Senior Vice President, Default Client Relations
Wells Fargo
Mark P. Paniccia
Group Vice President, REO
SunTrust Mortgage, Inc.
Michael Ruiz
Director, Procurement
Fannie Mae
Gagan Sharma
President & Chief Executive Officer
BSI Financial Services
February 24, 2011 3:00 p.m. - 4:30 p.m.
REO management is more critical today than ever before as the industry works to handle the overwhelming numbers of foreclosures plaguing the nation. Panelists engage participants in an interactive session discussing REO statistics including volumes, prices, days on market and repair investments, as well as strategies for selling properties in a competitive market. The panel also discusses tenant-occupied properties, city ordinances and code violations.
Moderator:
Caroline Reaves
Chief Executive Officer
Mortgage Contracting Services, LLC
Panel Presentation
Speakers:
John Bell
Department of Veterans Affairs
Jeff Connell
Senior Vice President, Default Management
Nationstar Mortgage
Thomas W. Driver
Senior Vice President of Operations
Keystone Asset Management, Inc.
Michael Frueh
Assistant Director, Loan and Property Management
U.S. Department of Veterans Affairs
Kevin R. McCarthy
Partner
McCarthy & Holthus, LLP
Asha Shravah
Senior Associate
Rosicki, Rosicki & Associates, PC.
David Sunlin
Senior Vice President
Bank of America
February 24, 2011 3:00 p.m. - 4:30 p.m.
This session explores the latest changes in state foreclosure laws and procedures. Servicers need to be aware of all new requirements and attorneys must become familiar with trends that could eventually impact the states in which they practice. Attend this session to learn about the challenges arising from increased case loads and how loans are being reviewed and processed. In addition, get up to date on the loan registration process and its impact, as well as how to deal with delays and moratoriums.
Moderator:
Caren Jacobs Castle
Partner
Castle Stawiarski, LLC
Speakers:
Rosemarie Diamond
Partner
Phelan Hallinan & Schmieg, LLP
Michael J. Feiwell
Partner
Feiwell & Hannoy, P.C.
Terry Hutchins
Partner
The Law Firm of Hutchins, Senter & Britton, P.A.
Lance E. Olsen
Partner
Routh Crabtree Olsen, P.S.
February 24, 2011 3:00 p.m. - 4:30 p.m.
Speakers:
Andrew BonSalle
Senior Vice President, Capital Markets
Fannie Mae
Kathleen Gibbons
Director, Single-Family MBS Division
Ginnie Mae
Alan W. Jones
Senior Vice President
Wells Fargo Home Mortgage
J. David Motley, CMB
President
Colonial National Mortgage, A Division of Colonial Savings, F.A.
Bryan Pommer
Vice President
Freddie Mac
February 24, 2011 3:00 p.m. - 4:30 p.m.
One of the hottest areas evolving today is mediation, as more states institute formal mediation programs. This expert panel represents all parties involved during a mediation and walks the audience thorough several possible scenarios, focusing on various types, including telephonic and in-person mediation. In addition, the panel addresses the types of results which can stem from mediation, including HAMP/HAFA, modifications, short sales and forbearance plans. It also addresses cases where mediation will not work. The focus is upon the reasons that both lenders and their counsel must be fully prepared and appear for mediations. The moderator highlights key lessons and facilitates interaction between the panel and audience.
Moderator:
Ronald J. Chernek
Partner
Reimer Arnovitz Chernek & Jeffrey Co, LPA
Speakers:
Carrie Ehinger
Senior Vice President, U.S. Residential Business
Morgan Stanley/Saxon
Lisa Lee
Partner
Goldbeck McCafferty & McKeever
Richard M. Leibert
Managing Attorney
Hunt Leibert Jacobson, PC
Jeffrey D. Weisserman
General Counsel
Trott & Trott, PC
February 25, 2011 9:00 a.m. - 12:30 p.m.
The Default Super Session is a roundtable discussion by a panel of industry executives from mortgage servicing, government agencies, vendors and attorneys. The format is a no-holds-barred lively debate of the most current problems affecting the default servicing industry. An always popular session the Default SuperSession addresses burning issues that might not have been addressed in the more formal sessions. Representatives From: Aurora Loan Services, LLC Bank of America Cal-Western, Reconveyance Corporation, Department of Housing and Urban Development, Department of Treasury, Doonan, Graves and Longoria, LLC, Dyke, Henry, Goldsholl & Winzerling, PLC, Fannie Mae, Freddie Mac, Hughes, Watters & Askanase, LLP, Integrated Mortgage Solutions (IMS), The Law Offices of John D. Clunk Co., LPA, RealtyTrac Inc., Reisenfeld & Associates, Saxon Mortgage, Weiner Brodsky Sidman Kider, PC
Moderator:
Joel Freedman
Managing Partner
Johnson & Freedman, LLC
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