CFO

MICHAEL G. RINGGER

***** ***** **** *****

Redding, CA 96001

530-***-**** (Home) E-mail: *********@*****.*** 206-***-**** (Cell)

CHIEF FINANCIAL OFFICER

Accomplished executive with experience in providing financial leadership seeks challenging opportunity to build on experience. Consistently demonstrated entrepreneurial vision, turnaround experience and taking companies to the next level as a member of several successful senior management teams and with public accounting experience. Particular strengths in:

* STRATEGIC PLANNING * FINANCIAL MODELING

* ACQUISITION DUE DILIGENCE * EQUITY STRATEGIES

* FINANCIAL REPORTING * FINANCIAL ANALYSIS

* PERFORMANCE METRICS * TURNAROUND AND CHANGE MANAGEMENT

In addition, have extensive experience in SEC and state regulatory compliance, risk management, contract negotiation, developing banking relationships, investor relations, information systems management and multi-company operations.

Excellent organizational, training, motivational and interpersonal communications skills.

Chief Financial Officer Asset Real Estate and Investment, Inc.

Redding, California

2006 to 2008: Joined AREI/OHMC to help turn around a failing business model in the senior housing industry. AREI is a syndicator of senior housing properties to tenant-in-common owners through 1031 exchanges and OHMC manages the properties for the owners. The primary mission as CFO has been to refinance existing properties, evaluate the feasibility of proposed property acquisitions and develop a new sustainable business model.

As a member of the Senior Management Team, some of the significant responsibilities and achievements include:

* Negotiate the refinance of eight properties with a total portfolio value of approximately $100 million

* Oversee investor 1031 exchange qualification

* Restructure equity and debt capital on a portfolio of twenty four senior housing properties

* Revamp investor tax reporting information

* Review proposed property acquisitions and develop minimum cash flow and return on investment criteria for all projects

* Developing a new business model to transition from a tenant-in-common equity ownership model to one based on institutional and company-owned properties

* Designing, implementing and evaluating internal control procedures

* Developing cash management and capital protection strategies

* Implementing and updating the budgeting/forecasting model

Chief Financial Officer Crosswater Financial Corporation

Bellevue, Washington

2002 to Present (I retain a small role on a part-time basis): Joined Crosswater to develop an independent, fee only high net worth wealth consulting practice in several markets around the country. Predecessor company was a small broker dealer serving small to medium size investors (several hundred thousand to several million in investment assets).

As a member of the Senior Management Team, responsibilities and achievements include:

* Developing the business plan and private placement document for investors

* Driving long-term value growth strategy.

* Participating in developing the business model using an open architecture approach

* Developing all operational, financial and compliance policies and procedures using a risk-based approach

* Negotiating contracts and working with outside legal counsel

* Designing, implementing and evaluating internal control procedures

* Developing cash management and capital protection strategies

* Implementing and updating the budgeting/forecasting model

* Designing performance metrics

* Regulatory compliance

Chief Financial Officer Laird Norton Financial Group

Seattle, Washington

1987 to 2002: Recruited as Controller (the most senior financial position in the firm) and named CFO in 1992. Principal charter was to help drive an aggressive growth strategy aimed at expanding the client base and increasing profitability. The original company, the Laird Norton Trust Company, was founded in 1967 to manage the wealth of old-time Seattle families. The Laird Norton Financial Group was formed in 1994 to hold three operating subsidiaries.

As a member of the Senior Management team, responsibilities and achievements included:

* Taking a lead role in setting the strategic direction of the company and identifying target markets in the high net worth marketplace resulting in a ten-fold growth in assets under management

* Developing performance metrics for comparison to industry standards

* Performing due diligence on two key acquisitions

* Designing, implementing and supervising an internal audit program using a top-down, risk-based approach

* Designing and monitoring regulatory (Washington State and SEC) and accounting (GAAP) policy compliance

* As Audit Committee liaison, developed Audit Committee Charter based on Blue Ribbon Committee guidelines

* Developing an outsourcing strategy for significant back office operations

* Developing a company-wide technology strategy

* Supervising pooled investment fund valuation and reporting including audited financial statements

In addition, responsible for: financial reporting of combined companies; the firm's ongoing relationships with outside auditors, banks, regulators and insurance companies; and maintenance of efficient financial systems and controls.

Audit Manager Arthur Andersen & Co.

Seattle, Washington

1982 to 1987: Promoted to this position after four years. Assigned client responsibility for publicly-owned companies and privately-owned small businesses combining audit, tax and consulting services. Industries served include; financial services, retail, software, manufacturing and distribution. Consistently recognized for outstanding performance and for the ability to grasp complex issues. Demonstrated particular skills in:

* Managing complex financial audit engagements including financial services SEC registrants

* Working with entrepreneurial companies in undertaking significant growth initiatives

* Strategizing with clients’ advisor team in potential public offerings

* Internal control testing of complex public company operations

* Identifying best practices recommendations to clients

* Teaching in-house courses in accounting and specialized industries

Previous experience, obtained while pursuing educational goals, as a Loan Officer for a consumer finance company (Utah) and as an internal auditor with Old National Bancorporation (Spokane, WA) and Zion's Utah Bancorporation (Salt Lake City, UT).

B.S., Accounting — Brigham Young University

Certified Public Accountant

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