He is also a "fee-only" CERTIFIED FINANCIAL PLANNERTM practitioner and an attorney, who focuses on representing individuals in their disputes with the financial services industry. Michael received his Juris Doctor degree from the University at Buffalo Law School and his B.S. degree in Business/Pre-Law from Bowling Green State University. He is a member of the New York State Bar Association, the Jamestown (NY) Bar Association, and the Public Investors Arbitration Bar Association (PIABA). Michael has written many published articles on topics such as mutual fund fees and expenses, nonprofit organization retirement plans, determining a prudent systematic withdrawal strategy from retirement plans using probability analysis, and how to avoid becoming the victim of investment fraud.