Court Opinion

ID: 6496304
Source: CourtListenerOpinion
Date Created: 2022-06-29 18:00:29.636348+00
Date Added: 2024-06-11T08:48:54.488444
License: Public Domain

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                                                     [PUBLISH]
                            In the
         United States Court of Appeals
                 For the Eleventh Circuit

                   ____________________

                         No. 20-12206
                   ____________________

MICHAEL RIOLO,
                                           Petitioner-Appellant,
versus
UNITED STATES OF AMERICA,

                                          Respondent-Appellee.

                   ____________________

          Appeal from the United States District Court
              for the Southern District of Florida
            D.C. Docket Nos. 9:11-cv-81028-KAM,
                     9:09-cr-80058-KAM-1
                   ____________________
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2                          Opinion of the Court                       20-12206

Before JORDAN, JILL PRYOR, and MARCUS, Circuit Judges.
JILL PRYOR, Circuit Judge:
        Michael Riolo appeals the district court’s denial of his 28
U.S.C. § 2255 motion to vacate his 293-month prison sentence and
convictions.1 Riolo argued to the district court that his trial coun-
sel, Theresa Van Vliet, provided ineffective assistance of counsel.
Specifically, Riolo asserted that Van Vliet told him if he pled guilty
to five counts of mail fraud, he would serve no more than 10 years
in prison because she had a deal with the government that his sen-
tencing range would be 97–121 months’ imprisonment under the
Sentencing Guidelines. Based on Van Vliet’s representations, Riolo
maintained, he pled guilty when he otherwise would have pro-
ceeded to trial.
       The district court held an evidentiary hearing on Riolo’s
§ 2255 motion. After reviewing the evidence, the district court
found that Van Vliet never represented to Riolo that she had a deal
with the government about his guideline range. More than that,
the district court found that before the change-of-plea hearing, Van
Vliet thoroughly apprised Riolo of the federal sentencing process,
explaining that the United States Probation Office would make a
recommendation to the district court about his guideline range and

1 Riolo’s 293-month sentence is an amalgam of five sentences, all for mail
fraud convictions pursuant to 18 U.S.C. § 1341. For clarity, we refer to the five
sentences as a single “sentence” like the parties do.
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20-12206                Opinion of the Court                          3

that the district court would ultimately determine his guideline
range for itself. Based on its factual findings, the district court de-
nied Riolo’s § 2255 motion.
       On appeal, Riolo urges us to take another look at the evi-
dence. If we do, he argues, we will find that several of the district
court’s factual findings are clearly erroneous. In the light of his ver-
sion of the facts—that Van Vliet assured him she had a deal with
the government about his guideline range—Riolo urges us to con-
clude that she provided ineffective assistance of counsel. Even leav-
ing aside the disputed facts, he adds, Van Vliet underestimated his
guideline range by more than 100 months. That alone, he argues,
constitutes ineffective assistance.
       After careful review, and with the benefit of oral argument,
we find no clear error in the district court’s factual findings. We
therefore conclude that Van Vliet did not provide Riolo with inef-
fective assistance by telling him she had an agreement with the
government about his guideline range. We also conclude that Van
Vliet did not provide ineffective assistance by underestimating Ri-
olo’s guideline range. The district court’s judgment is affirmed.
                       I.     BACKGROUND
       We begin by summarizing Riolo’s offense conduct, Van
Vliet’s representation of him, the change-of-plea hearing, the sen-
tencing hearing, and Riolo’s direct appeal. Next, we review the
events that followed Riolo’s § 2255 motion, including two previous
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4                      Opinion of the Court               20-12206

denials, appeals, and remands of his case, as well as the district
court’s final order and judgment on appeal.
A.    Offense Conduct
       From August 1999 to December 2008, Riolo convinced
more than 80 people to invest money in two corporations for
which he was the sole officer and employee: Sterling Wentworth
Currency Group, Inc. (“Sterling”) and LaSalle International Clear-
ing Corporation (“LaSalle”). Riolo told investors that he would in-
vest their money in foreign currency trading. Investors sent per-
sonal checks or wire transfers to the Sterling and LaSalle bank ac-
counts.
        But Riolo did not invest the funds he received. With signa-
tory authority over the Sterling and LaSalle bank accounts, he with-
drew investors’ funds and used their money for other purposes. He
spent at least some of the money to pay for a home, multiple auto-
mobiles, a boat, jet skis, and other luxury items. If an investor
wanted to withdraw funds, Riolo would send the money he re-
ceived from other investors to cover the disbursement. Using this
technique, he disbursed over $29.5 million to withdrawing inves-
tors, claiming they were receiving their principal investment and
returns when most, if not all, of the payments were made with
other investors’ funds. To perpetuate this Ponzi scheme, Riolo pre-
pared sophisticated profit and loss statements for the investors—
statements which falsely reflected that their money had been in-
vested and was earning substantial returns. Over the nearly 10-year
period, Riolo collected more than $44 million from investors.
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20-12206               Opinion of the Court                        5

B.    Van Vliet’s Representation of Riolo
        In January 2009, the Federal Bureau of Investigation (“FBI”)
served Riolo at his house with a subpoena for corporate records of
Sterling and LaSalle. While the FBI was on his property, Riolo con-
tacted his civil lawyer, Bart Houston. Houston, in turn, reached out
to his law partner, Theresa Van Vliet, a highly experienced criminal
attorney who had been in private practice for 18 or 19 years and
was a former Assistant United States Attorney. Houston put Van
Vliet on the phone with Riolo, who then put Van Vliet on the
phone with the FBI. Van Vliet explained to the FBI agent that her
law firm had the records responsive to the subpoena.
       Riolo met Van Vliet in person shortly after the FBI’s visit to
his house. He told her that he had been running Sterling and
LaSalle for approximately 10 years and that he had not made any
trades in foreign currency during that time. He explained that he
had taken in approximately $44 million from investors. He admit-
ted that he had mailed investors fraudulent statements reflecting
that their money had been invested when it had not been. Van
Vliet advised that he could face several counts of mail and wire
fraud.
      Van Vliet continued to communicate regularly with Riolo
over the following months. She received a proposed bill of infor-
mation from the government and engaged in plea negotiations on
his behalf. She told him that, given the overwhelming evidence
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6                          Opinion of the Court                       20-12206

against him, she could not mount a successful defense of his case.
Riolo told her that the most important consideration for him was
the length of any prison sentence he might receive. She explained
that his sentence would depend in part on his guideline range un-
der the Sentencing Guidelines. If he pled guilty, she advised, he
would likely have the benefit of a three-point reduction under the
“acceptance of responsibility” guideline. Civ. Doc. 74-5 at 3 ¶ 5 (in-
ternal quotation marks omitted). 2 She told him that a further re-
duction could be possible if he cooperated with the authorities. If
he wanted the lowest sentence possible, she advised, his best
course of action was to plead guilty and offer his cooperation to the
government. In May 2009, the government formally charged Riolo
by information with five counts of mail fraud.
        1.      Van Vliet’s May 7, 2009 Meeting with Riolo
       On May 7, 2009, Van Vliet met with Riolo to provide an es-
timate of his guideline range. Houston and Riolo’s then-wife, Lori
Ann Gary, also attended the meeting. Van Vliet told Riolo that
based on her calculations, aided by the work of an associate at her
law firm, the district court likely would find an offense level of 30,
a criminal history category of I, and a resulting guideline range of
97–121 months’ imprisonment. She flagged for him, however, that
a higher guideline range was possible if the district court imposed

2 “Civ. Doc.” refers to docket entries in the district court in case number 9:11-
cv-81028-KAM. “Crim. Doc.” refers to docket entries in the district court in
case number 9:09-cr-80058-KAM-1.
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20-12206                Opinion of the Court                         7

a four-point enhancement for violating commodities laws while
being a commodities trading advisor. But it was Van Vliet’s opinion
that the commodities law enhancement would not apply. She reas-
sured Riolo by telling him that the government had independently
reached the same guideline-range calculation—that he would have
an offense level of 30 and a criminal history category of I, with a
resulting guideline range of 97–121 months’ imprisonment.
       The parties offered conflicting evidence regarding the May
7, 2009 meeting at the evidentiary hearing in Riolo’s § 2255 pro-
ceedings. Riolo, Gary, and Houston all testified that Van Vliet told
those in attendance she had reached a binding “deal” or “agree-
ment” with the government that Riolo’s offense level would be 30,
with a resulting guideline range of 97–121 months’ imprisonment.
Gary testified that she specifically asked Van Vliet whether he
could possibly “get more than 10 years” if he pled guilty. Civ. Doc.
83 at 8. Van Vliet reassured her by saying “no, . . . this was the plea
agreement that had been agreed upon with the prosecution and
her.” Id. at 7. Houston, a civil lawyer unfamiliar with criminal sen-
tencing, came away with the impression that Van Vliet and the
government had something akin to “a stipulation in [civil] practice”
about Riolo’s guideline range. Id. at 64. And according to Riolo,
Van Vliet suggested that a guideline range of 97 to 121 months’
imprisonment “was locked in.” Id. at 108.
      Van Vliet testified adamantly to the contrary. She said that
“[n]ever . . . in [her] life” had she communicated to a client that she
could reach a deal with the government about a defendant’s
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8                      Opinion of the Court                20-12206

guideline range. Id. at 237. She broadly denied ever telling Riolo
that there was any sort of deal or agreement between her and the
government about his sentence. She testified that she told Riolo,
on multiple occasions, about “all of the nuances of the sentencing
guidelines and his possible exposure.” Civ. Doc. 74-5 at 6 ¶ 18. For
one thing, she told him that the probation office would make an
independent guideline calculation to aid the sentencing court. For
another, she informed him that the sentencing court would not be
bound by either of the parties’ estimates regarding his guideline
range or ultimate sentence.
      2.     Van Vliet’s May 11, 2009 Meeting with Riolo
       Riolo and Van Vliet met again a few days later, on May 11,
2009. This time they met for lunch at a restaurant. Also attending
the meeting was Michael McManus, a former DEA agent turned
private investigator who worked with Van Vliet. Van Vliet hired
McManus to aid in Riolo’s representation. His role was to help Ri-
olo understand “how he could cooperate” with law enforcement
to obtain a potential guideline reduction. Civ. Doc. 83 at 188.
        At the evidentiary hearing in Riolo’s § 2255 action, the par-
ties offered conflicting testimony about the lunch meeting. Accord-
ing to McManus’s testimony, Van Vliet took the opportunity at the
meeting to reexplain to Riolo how federal sentencing worked.
McManus testified that Van Vliet told Riolo that the probation of-
fice would prepare a presentence investigation report (“PSR”), and
the district judge would ultimately determine his guideline range
and could “depart upwards” or “downwards.” Id. at 192. McManus
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20-12206                Opinion of the Court                          9

“kinda got the feeling that this may have been discussed be-
fore, . . . because she was saying, now, understand again, or some-
thing to that effect . . . you’ve got to have a presentence report.” Id.
Van Vliet also remembered telling Riolo at this lunch meeting
about “the Sentencing Guidelines . . . , how a plea works, how the
Court goes into it, how, after he does a plea there would be a PSR.”
Civ. Doc. 84 at 41. In contrast, Riolo denied that Van Vliet was pre-
sent at his May 11, 2009 lunch with McManus and denied that she
went over this information with him.
       3.     Van Vliet’s Review of the Plea Agreement and Fac-
              tual Proffer with Riolo
        Less than a week after the lunch meeting with McManus,
Van Vliet received a copy of the plea agreement from the govern-
ment and sent it to Riolo by email. In the email Van Vliet said she
“talked to [the prosecutor] and his calculations match ours. That is
a level 30 with a range of 97 to 121 months. So any break we can
possibly get on cooperation will be critical.” Civ. Doc. 76-2 at 2.
The attached plea agreement—which Riolo admitted he re-
viewed—contained a thorough exposition of the federal sentencing
process, describing the Sentencing Guidelines, the probation of-
fice’s role in sentencing, and the fact that the court would not be
bound by the advisory guideline range.
       In addition to the plea agreement, Van Vliet also received a
factual proffer from the government, which contained the factual
basis for Riolo’s guilty plea. Upon reviewing the proffer with Van
Vliet, Riolo raised a concern about a statement that Sterling
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10                     Opinion of the Court                 20-12206

purportedly traded in “futures contracts.” Crim. Doc. 14 at 6 ¶ 2.
Van Vliet raised his concern to the government, but it refused to
remove the futures contract language. She advised Riolo that the
language would not affect his guideline range. He signed the fac-
tual proffer.
C.    Change-of-Plea Hearing, Sentencing, and Direct Appeal
       In July 2009, the district court held a change-of-plea hearing.
At the hearing, after putting Riolo under oath, the district court
asked Riolo whether he had reviewed the plea agreement “fully
and completely” with Van Vliet and whether he understood it.
Crim. Doc. 16 at 6. He answered yes to both questions. The court
then asked whether Riolo had reviewed the factual proffer “fully
and completely” with Van Vliet and whether he understood it. Id.
at 18. Again, Riolo answered yes to both questions.
        The district court also established that Riolo understood
how the sentencing process would work following his guilty plea.
The court sought to confirm his understanding that the probation
office would prepare a PSR to help the court determine his guide-
line range. Riolo confirmed that he understood. Then, after detail-
ing the procedure for filing objections to the PSR, the court asked
whether he knew that the district court—and no one else—would
determine his guideline range and sentence. Riolo answered
“[y]es.” Id. at 11. Lastly—with three separate questions—the dis-
trict court asked Riolo whether anyone had made “any promises or
representations” to him about his sentence. Id. at 12–13. Three
times, Riolo swore that no one had made any promises or
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20-12206               Opinion of the Court                       11

representations to him about his sentence. After this thorough col-
loquy, the district court found him competent to enter an informed
plea and accepted his plea of guilty.
      1.     The Presentence Investigation Report
      Following the change-of-plea hearing, the probation office
prepared the PSR. The PSR calculated Riolo’s offense level as 38,
not 30 as he and Van Vliet had discussed, and his criminal history
category as I, which yielded a guideline range of 235–293 months’
imprisonment.
       The PSR included two four-point sentence enhancements
that Van Vliet had not included in her estimate. In calculating Ri-
olo’s guideline range, first, the PSR applied the four-point enhance-
ment for violation of a commodities law by a commodities trading
advisor—an enhancement that Van Vliet and Riolo had discussed,
but she had not included in her estimate. See U.S. Sent’g Guidelines
Manual § 2B1.1(16)(B) (U.S. Sent’g Comm’n 2008). Second, the
PSR applied another four-point enhancement for jeopardizing the
safety and soundness of a financial institution. See id.
§ 2B1.1(b)(14)(B). Neither Van Vliet nor the government had antic-
ipated the second enhancement. Van Vliet filed written objections
to both enhancements.
      2.      Riolo’s Reaction to the PSR Calculation
      Riolo was “shocked” when he read the PSR. Civ. Doc. 83 at
124. He interpreted the PSR’s calculation to mean that “the AUSA
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12                      Opinion of the Court                  20-12206

had gone back on [his] deal” to assign Riolo an offense level of 30,
with a guideline range of 97 to 121 months’ imprisonment.
        The day before his sentencing, Riolo drafted a letter to the
district court. In the letter, he sought to withdraw his plea or, in the
alternative, to obtain a continuance of his sentencing hearing, writ-
ing that he thought there was a “verbal agreement” between the
government and Van Vliet that he “would be released [from
prison] around the time [his] oldest child would enter high school.”
Civ. Doc. 76-5 at 3–4. He sent the draft letter to Houston, his civil
lawyer. Houston told Van Vliet about Riolo’s draft letter, and she
responded to Riolo in an email.
       Van Vliet’s email encouraged Riolo not to attempt to with-
draw his guilty plea. She urged that withdrawal of his plea would
prove “a very, very difficult hurdle” and that it may have adverse
consequences, including the removal of any reduction he might re-
ceive for acceptance of responsibility or for cooperating with the
government. Civ. Doc. 74-4 at 1. But, she added, the decision to
send the letter was his alone. She encouraged him to seek a second
opinion on her advice.
       Riolo called another lawyer, Richard Rosenbaum. Houston
had known Rosenbaum for years, and Riolo had earlier considered
hiring Rosenbaum to represent him instead of Van Vliet. During
their telephone conversation, Rosenbaum expressed reservations
about helping Riolo withdraw his plea with so little time left before
sentencing. Van Vliet was added to the conference call between
Riolo and Rosenbaum, and the three discussed Riolo’s case. Riolo
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20-12206              Opinion of the Court                      13

left the phone call under the impression that Rosenbaum “was go-
ing to come and represent [him] at the [sentencing] hearing” the
next day. Civ. Doc. 83 at 128.
       Later that evening, Rosenbaum called Van Vliet at her
home. She summarized for him the plea agreement, what occurred
at the change-of-plea hearing, and other information relevant to
Riolo’s case. Rosenbaum agreed with her opinion that Riolo should
not attempt to withdraw his plea. Rosenbaum was reluctant to tell
Riolo, however, because of Rosenbaum’s personal friendship with
Riolo and/or Houston. Van Vliet and Rosenbaum agreed to tell
Riolo that Rosenbaum could not represent him for another rea-
son—because Rosenbaum did not have enough time to process the
plea withdrawal before the sentencing the next morning. Rosen-
baum sent Van Vliet an email communicating that he could not
represent Riolo because he could not “clear conflict check and file
a Notice of Appearance” before sentencing and asking her to for-
ward the email to Riolo. Civ. Doc. 6 at 9.
      3.     Riolo’s 293-Month Sentence and Direct Appeal
      The following morning, the district court held the sentenc-
ing hearing. There, Van Vliet reiterated her objections to the two
four-point enhancements. She conceded that the four-point com-
modities law enhancement could properly be applied to Riolo’s
sentence under the law, but she maintained her objection that the
enhancement should not apply because the prerequisites for the
enhancement existed only for a three-month period over the
course of the ten-year offense conduct. She also maintained her
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14                        Opinion of the Court                     20-12206

objection to the four-point enhancement for jeopardizing the
soundness of a financial institution. As to this enhancement, Van
Vliet argued that Sterling and LaSalle were not legitimate financial
institutions and so the enhancement for endangering the safety and
soundness of a financial institution should not apply. The district
court overruled the objections and adopted the findings in the PSR
as the findings of the court. After hearing live testimony from mul-
tiple victims, the district court imposed a sentence of 293 months’
imprisonment. 3
       Riolo appealed, arguing in part that “the government prom-
ised him an offense level of 30,” rather than 38. United States v.
Riolo (Riolo I), 398 F. App’x 568, 570 (11th Cir. 2010) (unpublished).
The panel observed that “the record d[id] not contain any evidence
of such an agreement” and also noted that Riolo represented under
oath at the change-of-plea hearing “that no one had made any
promises or representations with respect to his sentence.” Id. The
panel affirmed. See id. at 571.
D.     Riolo’s 28 U.S.C. § 2255 Motion and Previous Collateral Ap-
       peals

3 Riolo’s sentence consisted of 240 months’ imprisonment on each of counts
one through four, all to run concurrently, and 53 months on count five, to run
consecutively to the sentence on the other counts, for a total of 293 months.
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20-12206                   Opinion of the Court                              15

       Riolo next moved pro se to vacate his sentence pursuant to
28 U.S.C. § 2255. 4 His motion raised three distinct grounds for re-
lief on a theory of ineffective assistance of counsel. Under each
ground he listed several claims. The magistrate judge prepared a
report and recommendation, consolidating what appeared to be
duplicative and overlapping grounds and claims into three broad
theories for relief. After analyzing each one, the magistrate judge
recommended that Riolo’s § 2255 motion be denied. Following Ri-
olo’s objections, the district court adopted the magistrate judge’s
recommendation and entered a judgment. Riolo appealed.
       On appeal, a panel of this Court construed Riolo’s pro se
motion as containing 13 ineffective assistance of counsel claims.
See Riolo v. United States (Riolo II), 567 F. App’x 684, 685–87 (11th
Cir. 2014) (unpublished). The panel ruled that the district court had
overlooked a few distinct ineffective assistance claims in denying
Riolo’s motion. See id. at 688. Citing Clisby v. Jones, 960 F.2d 925
(11th Cir. 1992) (en banc), the panel vacated the district court’s
judgment and remanded the case for the district court to consider
the unaddressed claims. Riolo II, 567 F. App’x at 688.
      On remand, the district court referred the case back to the
magistrate judge for further review. The magistrate judge entered
another report and recommendation, this time addressing the
claims the district court had been directed to consider on remand.

4 Although Riolo initially proceeded pro se, he later retained counsel to repre-
sent him.
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16                      Opinion of the Court                 20-12206

The magistrate judge found no merit in the remaining claims and
again recommended that Riolo’s motion be denied. Riolo filed ob-
jections. The district court adopted the magistrate judge’s recom-
mendation over the objections and entered a final judgment. Riolo
appealed again.
        On his second collateral appeal, Riolo argued that the district
court failed to hold an evidentiary hearing to which he was statu-
torily entitled. See Riolo v. United States (Riolo III), 783 F. App’x
917, 918 (11th Cir. 2019) (unpublished). The panel observed that
Riolo had made allegations that, if true, could amount to ineffec-
tive assistance of counsel. For example, Riolo alleged in his motion
that Van Vliet advised him “that the offense level had been prede-
termined” and that “there was no possibility” he would receive a
higher sentence than what was represented by her initial guideline
estimation. Id. at 919, 922 (internal quotation marks omitted). He
also alleged that Van Vliet “never informed him that the probation
office would conduct its own independent calculation of the of-
fense level for the court.” Id. at 922 (alteration adopted) (internal
quotation marks omitted). The panel vacated the judgment and re-
manded the case to the district court for an evidentiary hearing to
determine whether Riolo’s allegations were true. See id. at 923.
E.     The District Court’s Order and Judgment
      On remand the district court held a two-day evidentiary
hearing. Riolo testified at the hearing. He also presented testimony
from other witnesses, including Gary and Houston. The
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20-12206                Opinion of the Court                         17

government’s witnesses included Van Vliet, McManus, and Sheila
Tierney, the probation officer who prepared Riolo’s PSR.5
       After the hearing, the district court entered a written order
and judgment denying Riolo’s § 2255 motion. The court credited
Van Vliet’s testimony over the testimony from Riolo and his other
witnesses. It also considered the colloquy at the change-of-plea
hearing. Ultimately, the district court found that Van Vliet had
never represented to Riolo that she had a deal with the government
about his guideline range.
        The district court made other findings of fact reflecting that
Van Vliet had thoroughly informed Riolo of the federal sentencing
process and the implications of his guilty plea. Specifically, the dis-
trict court found that—before the change-of-plea hearing—Van
Vliet reviewed each provision of the plea agreement with Riolo,
went over the factual proffer with him, explained the probation of-
fice’s role in sentencing, and discussed that the district court would
not be bound by any parties’ proposed calculation under the Sen-
tencing Guidelines. The court also found that Van Vliet did not
thwart Riolo’s attempt to withdraw his plea the day before sentenc-
ing when she communicated with Rosenbaum about his case. After
making these findings of fact, the district court determined that
Van Vliet did not provide ineffective assistance of counsel to Riolo.
The court denied Riolo’s § 2255 motion and granted a certificate of

5 Relevant testimony from the evidentiary hearing is summarized above in
Parts I.A–C.
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18                        Opinion of the Court                      20-12206

appealability on the question “of whether [his] guilty plea was
knowingly entered.” Doc. 91 at 29. 6
       This is Riolo’s appeal.
                          II.          LEGAL STANDARD
       In § 2255 proceedings, we review legal conclusions de novo
and factual findings for clear error. See Martin v. United States,
949 F.3d 662, 667 (11th Cir. 2020). “A claim of ineffective assistance
of counsel is a mixed question of law and fact reviewed de novo.”
Id.
                                III.     DISCUSSION
       The question of whether an attorney provided ineffective
assistance of counsel in the context of a guilty plea is subject to the
familiar two-part inquiry first spelled out in Strickland v. Washing-
ton, 466 U.S. 668 (1984). The movant “must show (1) his counsel’s
performance was deficient and (2) the deficient performance prej-
udiced his defense.” Martin, 949 F.3d at 667 (citing Strickland, 466
U.S. at 687). Although the prejudice inquiry differs somewhat in

6 We note that the certificate of appealability is ambiguous in identifying the
question on appeal. On the one hand, the question could be understood as
asking whether the district court conducted a sufficient colloquy at the
change-of-plea hearing to render Riolo’s plea voluntary. On the other hand,
the question could be understood as asking whether Van Vliet provided inef-
fective assistance of counsel in preparing Riolo to plead guilty such that his
plea was not voluntary. The parties have consistently treated the district
court’s certificate of appealability as covering the latter question, and we do
the same.
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20-12206                Opinion of the Court                         19

the guilty plea context, our review of the adequacy of an attorney’s
performance is much the same. To show deficient performance,
the movant must establish that his attorney’s representation “fell
below an objective standard of reasonableness.” Id. (internal quo-
tation marks omitted). The “petitioner bears the heavy burden of
showing that no competent counsel would have taken the action
that his counsel did take.” Gissendaner v. Seaboldt, 735 F.3d 1311,
1323 (11th Cir. 2013) (internal quotation marks omitted).
       In this case, Riolo challenges the district court’s findings of
fact that underlaid the court’s conclusion that Van Vliet’s perfor-
mance in representing him was not deficient. Given our standard
of review, he can prevail in this appeal only if he can show that the
findings of fact were clearly erroneous. We therefore begin by re-
viewing the district court’s findings of fact for clear error. Seeing
no clear error in the district court’s findings, we next consider
whether Van Vliet provided ineffective assistance of counsel under
the facts found by the district court.
A.     The District Court Committed No Clear Error in Making Its
       Challenged Factual Findings.
       Riolo contends that five of the district court’s factual findings
were clearly erroneous. Specifically, he asserts that the district
court clearly erred in finding that, before the change-of-plea hear-
ing, Van Vliet: (1) reviewed each provision of the plea agreement
with him; (2) reviewed the factual proffer with him days before the
hearing; (3) explained the probation office’s role in sentencing to
him; and (4) never communicated to him that there was a binding
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20                      Opinion of the Court                   20-12206

agreement with the government that his offense level would be 30
and that he would have a guideline range of 97–121 months’ im-
prisonment. Riolo further contends that the district court clearly
erred in finding that Van Vliet (5) did not thwart his attempt to
withdraw his guilty plea after the change-of-plea hearing.
       A finding of fact is clearly erroneous only when we are “left
with a definite and firm conviction that a mistake has been com-
mitted.” United States v. Almedina, 686 F.3d 1312, 1315 (11th Cir.
2012) (internal quotation marks omitted). When there are two rea-
sonable constructions of the evidence, “the factfinder’s choice be-
tween them cannot be clearly erroneous.” Id. (internal quotation
marks omitted).
         The district court made its findings of fact after crediting Van
Vliet’s testimony over Riolo’s and his other witnesses’ testimony.
“[W]e allot substantial deference to the factfinder . . . in reaching
credibility determinations with respect to witness testimony.” Riv-
ers v. United States, 777 F.3d 1306, 1316 (11th Cir. 2015) (alteration
adopted) (internal quotation marks omitted). “Generally, we refuse
to disturb a credibility determination unless it is so inconsistent or
improbable on its face that no reasonable factfinder could accept
it.” Id. at 1317 (internal quotation marks omitted). Keeping in mind
that we review the challenged findings of fact for clear error and
that we extend substantial deference to the district court’s credibil-
ity determinations, we proceed to the findings of fact in question.
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20-12206               Opinion of the Court                       21

      1.     The District Court Did Not Clearly Err in Finding
             that Van Vliet Reviewed the Plea Agreement with Ri-
             olo Before the Change-of-Plea Hearing.
       Riolo asserts that the district court clearly erred in finding
that Van Vliet reviewed each provision of the plea agreement with
him before the change-of-plea hearing. In support of his argument,
Riolo points to an inconsistency in Van Vliet’s testimony at the ev-
identiary hearing. She testified that she reviewed the plea agree-
ment with Riolo at the May 7, 2009 meeting—the meeting that
Gary and Houston also attended. As the government concedes, in
fact Van Vliet received the plea agreement on May 12, 2009, at the
earliest. Because she testified that she reviewed the plea agreement
with Riolo before she actually received the document, he argues,
the district court clearly erred in finding that she reviewed each
provision of the plea agreement with him before the change-of-plea
hearing.
       Although Riolo is correct that a discrepancy exists, he at-
tempts to make a mountain out of this molehill. As an initial mat-
ter, the district court did not find that that Van Vliet reviewed the
plea agreement with Riolo on May 7, 2009. Instead, the court found
that she “went through each provision of the plea agreement” with
him at some point before the change-of-plea hearing. Civ. Doc. 91
at 23. Riolo offers no argument, nor any record citation, to under-
mine the finding that Van Vliet reviewed the plea agreement with
him before the change-of-plea hearing.
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22                     Opinion of the Court                20-12206

       Indeed, the record amply supports the district court’s find-
ing. In response to the court’s question at the change-of-plea hear-
ing regarding whether he had read the plea agreement and dis-
cussed it “fully and completely” with Van Vliet, Riolo answered,
under oath, “Yes, I did.” Crim. Doc. 16 at 6. “There is a strong pre-
sumption that the statements made during the [plea] colloquy are
true.” United States v. Medlock, 12 F.3d 185, 187 (11th Cir. 1994).
Riolo “bears a heavy burden” to show that his own statements,
made under oath at the time, were false. United States v. Rogers,
848 F.2d 166, 168 (11th Cir. 1988). At the evidentiary hearing, Riolo
attempted to explain away his testimony during the plea colloquy
by saying that he was “very emotional” and not as “focused as [he]
perhaps should have been on the questions being asked,” which led
him to make admissions that were not truthful. Civ. Doc. 83 at 119.
But the district court, having observed Riolo’s demeanor at the ev-
identiary hearing, did not find this explanation persuasive. Riolo
has not come close to carrying his heavy burden to show that his
own statements made during the plea colloquy were false. See Rog-
ers, 848 F.2d at 168.
        Apart from Riolo’s own testimony at the change-of-plea
hearing, other evidence in the record supports the district court’s
finding that Van Vliet reviewed the plea agreement with Riolo. She
testified that she went through the “specific terms of [the] plea
agreement” with him before the change-of-plea hearing—testi-
mony that the district court credited over Riolo’s. Civ. Doc. 84 at
55. And her billing records indicate that she and Riolo spoke on
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20-12206                Opinion of the Court                        23

May 19, 2009, which was before the change-of-plea hearing. Ac-
cording to her billing records for that day, she “follow[ed] up with
him regarding . . . [the] plea agreement.” Civ. Doc. 76-4 at 7. Riolo
fails to demonstrate that Van Vliet’s testimony was “so inconsistent
or improbable on its face that no reasonable factfinder could accept
it,” notwithstanding Van Vliet’s inability to remember precise
dates more than 10 years after the fact. Rivers, 777 F.3d at 1317 (in-
ternal quotation marks omitted). We conclude that there was no
clear error in the district court’s finding that Van Vliet reviewed
each provision of the plea agreement with Riolo at some point be-
fore the change-of-plea hearing.
       2.     The District Court Did Not Clearly Err in Finding
              that Van Vliet Reviewed the Factual Proffer with Ri-
              olo Before the Change-of-Plea Hearing.
       Riolo next argues that the district court clearly erred in find-
ing that Van Vliet reviewed the factual proffer with him days be-
fore his change-of-plea hearing. The thrust of Riolo’s argument is
that he received the factual proffer on the morning of the change-
of-plea hearing and did not have time to digest and understand it
before the hearing took place.
       He rests his argument that he received the factual proffer the
morning of the change-of-plea hearing on another chronological
inconsistency in Van Vliet’s testimony. Van Vliet initially took the
position that she sent the factual proffer, along with the plea agree-
ment, to Riolo on May 18, 2009, in an email. Riolo counters that
there was no factual proffer attached to her May 18, 2009 email. At
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24                      Opinion of the Court                  20-12206

the evidentiary hearing, however, Van Vliet acknowledged that
she had been mixed up on the dates, but she maintained that she
sent the factual proffer two or three days before the change-of-plea
hearing. The district court credited her live testimony.
       The discrepancy, which Van Vliet explained to the district
court’s satisfaction, does not establish that the court’s finding was
clearly erroneous. Again, Riolo’s sworn testimony at the plea col-
loquy supports the district court’s finding. As with the plea agree-
ment, the district court asked whether Riolo had read the factual
proffer and discussed it “fully and completely” with Van Vliet.
Crim. Doc. 16 at 18. Riolo answered, “Yes, I did.” Id. At the eviden-
tiary hearing, he admitted to asking Van Vliet about language in
the factual proffer about futures contracts. She testified that she
raised Riolo’s concerns to the prosecutor and sought to have the
futures language removed, but the prosecutor refused. Riolo’s and
Van Vliet’s testimony at the evidentiary hearing that they discussed
the factual proffer together and had time to raise concerns to the
prosecutor, who in turn had time to deny their request, supports
the district court’s finding that Van Vliet reviewed the factual prof-
fer with Riolo days before the change-of-plea hearing. As if all this
were not enough, Riolo admitted on cross-examination that he
went over the factual proffer with Van Vliet and had enough time
to review it. There is no clear error in the district court’s finding of
fact.
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20-12206                Opinion of the Court                         25

       3.     The District Court Did Not Clearly Err in Finding
              that Van Vliet Reviewed the Probation Office’s Role
              in Sentencing with Riolo Before the Change-of-Plea
              Hearing.
       Riolo next asserts that the district court clearly erred in find-
ing that Van Vliet reviewed the probation office’s role in sentenc-
ing ahead of the change-of-plea hearing. For this factual finding, Ri-
olo points to no chronological inconsistency in Van Vliet’s testi-
mony. Instead, he merely asserts that she was untruthful in testify-
ing that she told him about the probation office’s role in sentenc-
ing.
       We are not persuaded. Once again, the plea colloquy sup-
ports the district court’s finding. During the colloquy, the district
court asked if Riolo understood that the probation office would
prepare a PSR and what the presentence investigation process
would entail. Riolo responded that he understood. Provided with
no reason to doubt this exchange at the plea colloquy, we again
find that Riolo’s sworn answers supported the district court’s find-
ing.
        But that evidence was not all. Recall McManus testified that
he attended a lunch meeting with Van Vliet and Riolo on May 11,
2009, where Van Vliet communicated the probation office’s role to
Riolo. And Van Vliet also testified—credibly, according to the dis-
trict court—at the evidentiary hearing that “on more than one oc-
casion” she explained to Riolo that the probation office would
“make a guidelines calculation.” Civ. Doc. 83 at 238–39. All this
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26                             Opinion of the Court                  20-12206

evidence supports the district court’s finding that Van Vliet in-
formed Riolo of the probation office’s role in federal sentencing.
He has failed to demonstrate clear error in this finding of fact.7
        4.      The District Court Did Not Clearly Err in Finding
                that Van Vliet Never Told Riolo that the Govern-
                ment Had Agreed to an Offense Level of 30.
       Riolo asserts that the district court erred in finding that Van
Vliet never told him that she had a deal with the government es-
tablishing that he would have an offense level of 30 and a guideline
range of 97–121 months’ imprisonment. 8 No clear error has been

7 In addition, it is undisputed that Riolo independently reviewed the plea
agreement before the change-of-plea hearing. The plea agreement also in-
formed Riolo of the probation office’s role in sentencing, noting that “the
Court w[ould] compute an advisory sentence under the Sentencing Guidelines
and . . . the applicable guidelines will be determined by the Court relying in
part on the results of a Pre-Sentence Investigation by the United States Proba-
tion Office . . . , which . . . will commence after the guilty plea has been en-
tered.” Civ. Doc. 74-5 at 21 ¶ 2.
8 Riolo argues in his brief:
        The district court improperly avoided testimony and evidence
        regarding the alleged offense level agreement, and then erred
        by misinterpreting Riolo’s claims of an agreement on the of-
        fense level instead as a sentence guarantee, and by judging Ri-
        olo’s reasonable understanding of the agreement on defense
        counsel’s post hoc alleged understanding rather than Riolo’s
        understanding.
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20-12206                   Opinion of the Court                              27

shown. The plea colloquy again supports the district court’s find-
ing. The district court asked three times whether anyone had made
“any promises or representations” to Riolo about his sentence.
Crim. Doc. 16 at 12–13 (emphasis added). In response, Riolo swore
three times that he never received any promises or representations
about what his sentence might be. Riolo later testified at the evi-
dentiary hearing that he thought the sentencing judge was refer-
ring to “unseemly type[s] of things” in this line of questioning. Civ.
Doc. 83 at 122. We cannot say Riolo has carried his burden to show
that his own statements, made under oath at the time, were false.
Rogers, 848 F.2d at 168.
        Other evidence in the record supports the district court’s
finding that Van Vliet never told Riolo she had a deal with the gov-
ernment about his offense level or guideline range. McManus tes-
tified that at the May 11, 2009 lunch meeting, Van Vliet informed
Riolo that “[i]t’s up to the judge to decide” his sentence and that
“[the judge] can depart upwards [or] downwards.” Civ. Doc. 83 at
192. And Van Vliet testified that she “never said that [the govern-
ment would] recommend 97 months or anything other than what
was in the plea agreement.” Id. at 232. All this evidence supports
the district court’s finding.

Appellant’s Br. at 17. In substance, we understand Riolo to be arguing that the
district court clearly erred in finding that Van Vliet never told him that there
was a binding agreement regarding his offense level and guideline range.
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28                     Opinion of the Court                20-12206

       Riolo points to the email Van Vliet sent to him on May 18,
2009, in which she wrote: “I have talked to [the prosecutor] and his
calculations match ours. That is a[n offense] level 30 with a range
of 97 to 121 months.” Civ. Doc. 76-2 at 2. This email, Riolo argues,
substantiates his assertion that Van Vliet had been telling him all
along that there was a binding agreement between her and the gov-
ernment as to his sentencing range. But the email is not the smok-
ing gun Riolo seems to think it is. The email says nothing about an
agreement between Van Vliet and the government. Rather, it indi-
cates that Van Vliet’s and the government’s independently-made
guideline estimates “match[ed].” Id. Van Vliet appears to have
sought to reassure herself and Riolo that her guideline calculation
was correct by comparing it with the government’s. The email
does not convince us that the district court clearly erred in finding
that she never told Riolo that she had a deal with the government
about his guideline range. We find no clear error here.
        But even if we were to assume that Van Vliet did tell Riolo
that there was an agreement between herself and the government
with respect to his offense level or guideline range, the plea agree-
ment and portions of the plea colloquy sufficiently dispelled any
notion that such an agreement would be binding. The plea agree-
ment, for example, contained a detailed explanation about how the
court would determine his sentence. It explained that the proba-
tion office would prepare a PSR which would contain an estimate
of his guideline range. It also explained to Riolo that, although the
district court had to consider the advisory guideline range, it would
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20-12206               Opinion of the Court                       29

not be bound by the range in sentencing him; the court could im-
pose an appropriate sentence above or below the guideline range.
       At the change-of-plea hearing, the district court made sure
Riolo understood that Van Vliet could not have made any binding
agreement with the government about his guideline range or
about his sentence. It told Riolo that “even though [Van Vliet] may
have advised you based upon her understanding of the facts of the
case and her understanding of the law and the Sentencing Guide-
lines what she thinks or believes, in her best professional opinion,
the advisory guideline sentencing range will turn out to be, . . . my
decisions may be different from what she has advised you.” Crim.
Doc. 16 at 11. We are more than satisfied that Riolo was apprised
that the district court would not be bound by any guideline esti-
mate Van Vliet may have given him.
      5.     The District Court Did Not Clearly Err in Finding
             that Van Vliet Never Prevented Riolo from With-
             drawing His Guilty Plea.
       Lastly, Riolo asserts that the district court clearly erred in
finding that Van Vliet never “thwarted” his attempt to withdraw
his guilty plea. Appellant’s Br. at 37. To support this argument, Ri-
olo points to the events that occurred the day before his sentenc-
ing. Riolo sent an email to Houston containing a draft letter ad-
dressed to the district court in which he requested a plea with-
drawal or, in the alternative, a continuance. Van Vliet got word of
Riolo’s letter and promptly wrote to advise him not to attempt to
withdraw his plea. She told him that the decision was his alone,
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30                     Opinion of the Court                 20-12206

however, and encouraged him to seek a second opinion. After he
received her email, Riolo contacted Rosenbaum, another attorney.
Van Vliet testified that later that evening Rosenbaum called her to
discuss the case in greater detail. During that conversation, Rosen-
baum reached the conclusion that “there was no viable basis for
withdrawal.” Civ. Doc. 74-5 at 5 ¶ 16. Rosenbaum then asked Van
Vliet to communicate to Riolo that he could not represent him at
sentencing. Taken together, Riolo contends that these circum-
stances establish that Van Vliet thwarted his attempt to withdraw
his guilty plea.
        Riolo’s argument lacks merit. Van Vliet merely gave Riolo
advice on the possible consequences of attempting to withdraw his
guilty plea the day before sentencing. She did not stand in the way;
she reminded him that the decision was his alone. She also encour-
aged him to get a second opinion. When he took her advice and
sought a second opinion from Rosenbaum, she laid out the circum-
stances of his case for Rosenbaum, who independently concluded
that Riolo should not attempt to withdraw his guilty plea. Riolo
provides us with no basis to conclude that there is clear error in the
district court’s finding on this issue.
B.    Van Vliet’s Representation of Riolo Was Not Deficient Un-
      der Strickland.
       Having reviewed all the factual findings Riolo challenges on
appeal, we now turn to whether the district court erred in conclud-
ing that Van Vliet did not provide constitutionally ineffective assis-
tance of counsel to Riolo. Our answer is no. First, we explain why
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20-12206               Opinion of the Court                       31

our rejection of his argument that the district court’s factual find-
ings must be overturned renders Betancourt v. Willis, 814 F.2d
1546 (11th Cir. 1987)—the case upon which he principally relies—
inapposite. Second, we review his argument that Van Vliet’s mis-
calculation of his guideline range by itself amounts to ineffective
assistance of counsel.
      1.     Given the District Court’s Findings of Fact,
             Betancourt Is Inapposite.
        Riolo relied primarily on Betancourt in his brief and at oral
argument. In Betancourt, we affirmed the grant of a § 2254 petition
in which the petitioner, Jairo Betancourt, argued that his attorneys
provided ineffective assistance because of assurances they made
about his sentence before he pled guilty. Id. at 1547. Betancourt
argued that his attorneys told him that if he pled guilty, the state
court would initially impose a twelve-year sentence but “promised
to reduce his sentence later to equal the lowest sentence received
by either of his co-defendants in federal court.” Id. Betancourt pled
guilty based on his attorneys’ representations. Id. at 1548. He was
sentenced to twelve years’ imprisonment and three years’ proba-
tion. Id.
       After one of Betancourt’s co-defendants was sentenced to
five years’ imprisonment, Betancourt’s lawyer filed a motion with
the state court to reduce his sentence. Id. The state court judge,
“not recalling any sentence reduction agreement and finding no ev-
idence of it on the record, denied the motion.” Id. Betancourt then
moved to withdraw his plea and to recuse the sentencing judge.
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32                     Opinion of the Court                 20-12206

The sentencing judge voluntarily recused, and another state court
judge held an evidentiary hearing on Betancourt’s motion to with-
draw his plea. The state court ultimately denied his motion. Id.
       Betancourt filed a petition for habeas corpus in federal court.
Id. The district court granted his habeas petition based on ineffec-
tive assistance of counsel. The court found that “the representation
of [Betancourt’s] counsel fell below an objective standard of rea-
sonableness by representing to [him] that the court had agreed to
a later sentence reduction, by failing to memorialize the alleged
plea agreement by letter, affidavit or other appropriate means, and
by neglecting to enter it upon the record.” Id. The district court
also found that Betancourt was prejudiced by the defective repre-
sentation. Id. We affirmed on appeal, observing that the evidence
was “uncontroverted that [Betancourt] was completely unaware of
the ultimate consequences of his plea because his counsel misrep-
resented the existence of a sentence reduction agreement.” Id. at
1549.
       The circumstances here are far different from those in
Betancourt. As explained above, we are bound to accept the district
court’s finding that Van Vliet never told Riolo there was any bind-
ing agreement between her and the government about his sen-
tence. Therefore, Betancourt is entirely distinguishable. Riolo has
failed to show that Van Vliet provided ineffective assistance of
counsel of the kind we considered in that case.
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20-12206                Opinion of the Court                          33

       2.     Van Vliet’s Miscalculation of Riolo’s Guideline Range
              Did Not Amount to Deficient Performance.
        Riolo next asserts an ineffective-assistance claim apart from
his challenges to the district court’s findings of fact. He points out
it is undisputed that Van Vliet underestimated his guideline range
by more than 100 months. That alone, he contends, constitutes in-
effective assistance of counsel.
        We turn to Strickland’s two-pronged inquiry for assessing
ineffective assistance claims. We must ask whether (1) counsel’s
performance was deficient and if (2) the deficient performance prej-
udiced the movant. See Martin, 949 F.3d at 667 (citing Strickland,
466 U.S. at 687). “Surmounting Strickland’s high bar is never an
easy task, and the strong societal interest in finality has special force
with respect to convictions based on guilty pleas.” Id. (internal quo-
tation marks omitted). Because a § 2255 movant must satisfy both
prongs of Strickland, we need not consider one prong if the defend-
ant fails to satisfy the other. See Holladay v. Haley, 209 F.3d 1243,
1248 (11th Cir. 2000).
       Our analysis begins and ends with Strickland’s first prong:
Van Vliet’s performance was not deficient. To show deficient per-
formance, Riolo must establish that Van Vliet’s representation “fell
below an objective standard of reasonableness.” See Martin, 949
F.3d at 667 (internal quotation marks omitted). As an initial matter,
we note that at the time Van Vliet represented Riolo, she was a
criminal lawyer with a great deal of experience with the Sentencing
Guidelines and advising clients about the federal sentencing
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34                     Opinion of the Court               20-12206

process. Uncontroverted portions of her testimony indicate she
had been in private practice for 18 or 19 years. Before that, she
worked in the Criminal Division of the Department of Justice and
as an Assistant United States Attorney. Although not determina-
tive, Van Vliet’s experience bolsters the presumption that the qual-
ity of her representation did not fall below the objective standard
of reasonableness. See Provenzano v. Singletary, 148 F.3d 1327,
1332 (11th Cir. 1998) (observing the bolstered presumption of rea-
sonableness where the attorney had been practicing for 20 years).
        To be sure, experienced attorneys make mistakes. Van
Vliet’s estimate of Riolo’s guideline range was far off the mark—by
more than 100 months. Riolo points to the Fifth Circuit case of
United States v. Herrera to argue that a petitioner may have a le-
gitimate ineffective-assistance claim when an attorney gives the pe-
titioner incorrect advice regarding his exposure under the Sentenc-
ing Guidelines. See 412 F.3d 577, 580 (5th Cir. 2005) (remanding for
an evidentiary hearing on petitioner’s claim that his counsel under-
estimated his guideline range by 27 months). But we need not de-
cide this issue today. To resolve this appeal, we can assume, with-
out deciding, that a miscalculation of sufficient magnitude can con-
stitute deficient performance and cause prejudice under Strickland.
       Ineffective-assistance claims are fact-bound, and here the
well-developed factual record convinces us that Van Vliet’s miscal-
culation was not the product of deficient performance. First of all,
even though Van Vliet estimated Riolo would receive an offense
level of 30 with a range of 97–121 months’ imprisonment, at the
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20-12206                Opinion of the Court                        35

same time she warned him that the district court could impose an
additional four-point enhancement for “a violation of commodities
law” while he was “a commodities trading advisor.” U.S. Sent’g
Guidelines Manual § 2B1.1(16)(B)(ii) (U.S. Sent’g Comm’n 2008).
Riolo admitted that “[s]he raised the possibility” that the enhance-
ment might apply. Civ. Doc. 83 at 143. Second, Van Vliet objected
to the enhancement after the probation office produced the PSR.
We cannot say that under these circumstances—where counsel an-
ticipated the enhancement at issue, warned her client that it could
apply, and then objected to its inclusion in the PSR—her perfor-
mance was deficient.
        The second four-point enhancement was imposed for “jeop-
ardiz[ing] the safety and soundness of a financial institution.” Id. at
§ 2B1.1(b)(14)(B)(i). Neither Van Vliet nor the government antici-
pated that this enhancement would apply. No doubt this is in part
because our Court had not interpreted it, as both the parties and
the district court observed at sentencing. Van Vliet believed the en-
hancement would not apply because Riolo’s corporations—Ster-
ling and LaSalle—were “fictional” organizations. Crim. Doc. 38 at
4. Because they were not legitimate financial institutions, she ar-
gued, he could not qualify for a sentence enhancement that per-
tained to conduct threatening the safety of legitimate financial in-
stitutions. We are loathe to say that an attorney provided deficient
performance by failing to anticipate the application of a guideline
when the attorney’s reasonable interpretation of that guideline was
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36                         Opinion of the Court                       20-12206

that it had no bearing on the defendant’s situation and no authori-
tative decision offered guidance to the contrary. 9
       To be sure, at the time of Van Vliet’s consultations with Ri-
olo, other circuits had affirmed application of the financial institu-
tion enhancement in circumstances involving sham financial insti-
tutions. See, e.g., United States v. Hoffecker, 530 F.3d 137, 201 (3d
Cir. 2008) (“[T]here is nothing in the guideline to suggest that the
Commission intended to limit the enhancement only to apply to
legitimate financial institutions; we will not read that limitation
into the language of the guideline.”), superseded by regulation on
other grounds as stated in, Rad v. Att’y Gen. United States, 983 F.3d
651, 668 n.13 (3d Cir. 2020); United States v. Collins, 361 F.3d 343,
348 (7th Cir. 2004) (“[W]hen it walks and talks like a financial insti-
tution, even if it’s a phony one, it is . . . covered by [the Guideline].”
(quoting United States v Randy, 81 F.3d 65, 69 (7th Cir. 1996)(em-
phasis in original)); see also United States v. Dale, 374 F.3d 321,
328–330 (5th Cir. 2004) (affirming application of the financial insti-
tution guideline to a fraudulent entity the panel characterized as a
“Ponzi scheme”), vacated on other grounds, 543 U.S. 1113
(2005). 10 But “[t]he test for ineffectiveness is not whether counsel

9 We express no view on the merits of Van Vliet’s argument about the proper
application of the financial institution enhancement.
10 The decisions discussed in this paragraph considered the financial institu-
tion enhancement using the 1997 version of the Sentencing Guidelines. See
Hoffecker, 530 F.3d at 196 n.6.; Collins, 361 F.3d at 345; Dale, 374 F.3d at 327–
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20-12206                  Opinion of the Court                              37

could have done more; perfection is not required.” Waters v.
Thomas, 46 F.3d 1506, 1518 (11th Cir. 1995) (en banc). Rather, the
question is whether counsel’s representation fell “within the wide
range of reasonable professional assistance.” Id. (internal quotation
marks omitted). Van Vliet anticipated all but one of the sentencing
enhancements the district court ultimately imposed. She double
checked her own work, reaching out to the government to learn of
its calculations. The reasonableness of Van Vliet’s representation is
underscored by the fact that the government independently arrived
at the same guideline calculation. And when the probation office
applied the enhancements, Van Vliet promptly objected. Under
these circumstances, Van Vliet’s performance was far from defec-
tive under Strickland’s standard.
       Given our determination that Van Vliet’s conduct met the
objective standard of reasonableness, we have no cause to consider
Strickland’s second prong—prejudice. See Holladay, 209 F.3d at
1248. The district court properly denied Riolo’s § 2255 motion.

28. In the 1997 version, the financial institution enhancement appeared in Part
F. See U.S. Sent’g Guidelines Manual § 2F1.1(b)(6) (U.S. Sent’g Comm’n 1997).
The relevant provision was moved to Part B, but it remained materially un-
changed in the 2008 manual, which was the most recent version available to
Van Vliet at the time of Riolo’s sentencing. See U.S. Sent’g Guidelines Manual
§ 2B1.1(14)(B)(i) (U.S. Sent’g Comm’n 2008).
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38                     Opinion of the Court                20-12206

                          IV.    CONCLUSION
        For the above reasons, we affirm the district court’s dismis-
sal of Riolo’s § 2255 motion.
      AFFIRMED.
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20-12206               JORDAN, J., Concurring                        1

JORDAN, Circuit Judge, Concurring:
        I join Judge Jill Pryor’s comprehensive opinion for the court
in full. I write to point out that the majority of our sister circuits
have held that significant errors in advice about sentencing expo-
sure can, depending on the circumstances, constitute deficient per-
formance. See, e.g., United States v. Mayhew, 995 F.3d 171, 178–
79 (4th Cir. 2021); United States v. Herrera, 412 F.3d 577, 581–82
(5th Cir. 2005); Magana v. Hofbauer, 263 F.3d 542, 550 (6th Cir.
2001); United States v. Gordon, 156 F.3d 376, 380 (2d Cir. 1998);
United States v. Gaviria, 116 F.3d 1498, 1512 (D.C. Cir. 1997);
United States v. Day, 969 F.2d 39, 42–44 (3d Cir. 1992); Iaea v. Sunn,
800 F.2d 861, 864–65 (9th Cir. 1986). Contra United States v. Gor-
don, 4 F.3d 1567, 1570–71 (10th Cir. 1993) (“A miscalculation or
erroneous sentence estimation by defense counsel is not a consti-
tutionally deficient performance rising to the level of ineffective as-
sistance of counsel.”). We have avoided the issue in the past, see
Diveroli v. United States, 803 F.3d 1258, 1263 (11th Cir. 2015), and
do so again today, but we will have to confront it at some point.