Gibran Nicholas is the founder, Chairman and CEO of the CMPS^® Institute, a national training and certifying organization created to empower key stakeholders in the mortgage and financial planning industries. Gibran presided over the rapid growth of CMPS^® as suitability in mortgage recommendations has become even more widely desired. Over 5,500 members have gone through the training since its launch in 2005. Gibran speaks and writes about mortgage, real estate and financial issues including mortgage planning principles, case studies theories and practices. Gibran has been quoted as an industry expert in national publications such as the Wall Street Journal, Barron’s, Worth Magazine and Investor's Business Daily.

Leon LaBrecque is the managing partner and founder of the firm LaBrecque, Jackson, Price, & Roehl, LLC and has provided integrated financial advisory services since 1980. He is a practicing attorney specializing in financial planning, estate planning, business and tax planning for individual and business clients. His extensive experience in the industry includes work with Arthur Andersen, Plante Moran, LLP and the University of Detroit. A true visionary who brings the experience of many different fields to the table, he is also the former Department Chair of Finance and Economics at Walsh College where he created the Master in Finance program. He is the author of 14 proprietary retirement/financial planning programs for clients including General Motors, Ford Motor Company, AT&T and CalPERS, among others. He regularly appears on both television and radio presenting on various economic and financial topics and is interested in the financial health and well-being of every individual.

Howard Lax is a partner in the firm of Lipson, Neilson, Cole, Seltzer & Garin, P.C. He specializes in financial institutions consumer compliance and regulatory affairs, and real property law. For ten years he was employed with the Legal Services Division of NBD Bank, most recently in the position of Second Vice President and Senior Attorney. He served as counsel to NBD Mortgage Company and NBD Bank (now part of Bank One - Michigan), as well as consumer lending counsel for private banking, manufactured housing lending, the cooperative housing share loan program and other residential loan programs. In 2006 and 2007, Howard has been recognized as a “Michigan Super Lawyer” by the publication, Law & Politics which puts him in the top 5% of Michigan lawyers as recognized by his peers. He is an accomplished writer and speaker. He writes and publishes The Mortgage News, a bimonthly mortgage banking compliance newsletter. He received a Bachelor of Science degree from the University of Michigan in 1974 and a Juris Doctor degree, cum laude, from Wayne State University Law School in 1982.

Dave Savage has eighteen years of experience as a sales professional, serial entrepreneur and business leader. Currently he is the CEO of Mortgage Coach. Dave co-founded The Mortgage Coach in 1997 with Greg Wexler. He is passionate about creating systems and technology to help loan officers become the Obvious Choice in the eyes of their clients. Over the past seven years over 20,000 loan officers have used the Mortgage Coach's flagship software to help homeowners make more informed decisions. Dave is a recognized pioneer and leader in the mortgage industry for his contributions to improve the professionalism and quality of advice that originators provide homeowners. As a mortgage industry leader, Dave has been a speaker at many major industry events. Before and during the creation of The Mortgage Coach, Dave was one of the nation's top loan officers and president of a national mortgage company. At the peak of his origination career, he was one of the nation's top 100 loan officers working exclusively with hundreds of CPA's and Financial Planners.
Web Site: www.TheMortgageCoach.com