Joseph A Medrano, ARM Joe has over 30-years of experience in providing risk management & insurance consulting for businesses. He obtained his Associate in Risk Management(ARM) in 1993. He is an entrepreneur who has formed two successful for profit companies, one 501 (c) 3 non-profit organization, developed the Non-Profit Guidance Center, an online resource center for non-profits at www.nonprofitguidance.com and put together the Villages Risk Management & Insurance Program, a proprietary risk management & insurance program for non-profits that assist seniors with aging in place. He also believes in giving back to local communities and spent four years as a City Councilman / Vice Mayor of Clayton, CA. Donald Tenconi, Esq. With over 35 years of experience, Don is highly experienced in handling both litigation and non-litigation matters related to business and corporate law (corporations, limited liability companies and non-profit entities), real estate law and personal injury. Don has a passion for non-profits and formed a 501(c) 3 non-profit himself as well. He is experienced in all phases of litigation and has taken dozens of cases to trial. In addition to being an experienced litigator, Don is also a trained conflict resolution facilitator and has resolved hundreds of cases via settlement to save his clients the high costs of written, discovery, depositions and trial, while achieving his clients' goals.