Michael A. Gayed, CFA Mr. Gayed joined the Pension Partners, LLC in 2010 and is its Chief Investment Strategist and a portfolio manager. As Chief Investment Strategist, Mr. Gayed helps to structure portfolios to best take advantage of various strategies designed to maximize the amount of time and capital spent in potentially outperforming investments. Prior to this role, from 2009 to 2010, Mr. Gayed served as a portfolio manager for a large international investment group, trading long/short investment ideas in an effort to capture excess returns. Mr. Gayed also served as a portfolio strategist and business development consultant for the Pension Partners, LLC during 2009. From 2004 to 2008, Mr. Gayed was a Portfolio Strategist at AmeriCap Advisers, LLC, a registered investment advisory firm which managed equity portfolios for large institutional clients. As a member of the investment committee at AmeriCap Advisers, LLC, Mr. Gayed performed detailed analysis on various stocks and worked closely with the principals of the firm to structure client portfolios. In 2007, he launched his own long/short hedge fund, using various trading strategies focused on taking advantage of stock market anomalies. Mr. Gayed earned his B.S. in Finance and Management from New York University and holds the Chartered Financial Analyst designation.

Edward M. Dempsey, CFP® Mr. Dempsey founded the Adviser in 1999 and has since served as a portfolio manager and the Chief Investment Officer. For over 25 years, Mr. Dempsey has provided professional management and advice in the areas of pension planning and investment management. Mr. Dempsey is a Certified Financial Planner® and holds the Chartered Financial Consultant (ChFC) designation. His views are frequently sought on national media outlets in both print and television. Mr. Dempsey received his B.S degree from St. Peter’s College.