Michael Gutt has been a financial counselor since 1981, when he began his career with The Ayco Corporation in Atlanta. While at Ayco, he provided tax and investment counseling to senior executives of many Fortune 500 Companies. Mr. Gutt left Ayco in 1986 in order to establish his own financial counseling firm, where he has continued to provide customized wealth management to individuals on an ongoing basis. An attorney and registered investment adviser, Mr. Gutt graduated from Ithaca College in 1976 with a B.S. in Business Administration and received his J.D. from Emory University Law School in 1980. In addition to his law degree, Mr. Gutt received an Advanced Professional certificate in