Laurie Stegenga is President and founder of Foresight Capital Management Advisors, Inc. , a fee-only independent registered investment advisory firm. Her past financial work experience has spanned 25 years of managing and accounting for billions of dollars in investments. Laurie's expertise is in retirement plan services, providing on-site education and one-on-one personal financial planning for the employees, fiduciary consulting, and all aspects of personal wealth planning for the individual and family office. She was recently part of a team consulting project that was awarded a State of Michigan Business Innovation Award for 2008 with the 403(b) public school plans. Foresight Capital M