Gary Gal, CPA is the principal of Andemax Financial Services, a financial services practice with a focus on personal and small business tax consulting as well as audit and attestation services. During his 26 years of experience, Gary worked on tax planning, auditing, financial modeling and has provided financial advice for some of the most reputable financial companies in the United States. Gary began his career at Arthur Andersen LLP where he performed auditing and attestation services for major financial companies. He transferred to a structured finance group where he built complex financial models projecting company and asset cashflows. Gary had a distinguished career working for highly recognized firms in the US as an investment professional focusing on analyzing investments across the structured finance universe. At the end of 2006, Gary recognized the inherent risky nature of mortgages and predicted massive mortgage defaults that resulted in the Great Recession, saving his employer billions of dollars. Gary holds a Masters and Bachelors of Business Administration in Public Accounting from Pace University. Gary’s hobbies include skiing, mountain biking, hiking, and reading. He volunteers as a board member of Hunter Mountain Racing Foundation and as a junior soccer coach.