Richard Ganz has served as the Director of the Fixed Income Group for the Capital Financial Group / H. Beck for 22 years assisting their associated professionals in the development and supervision of personalized strategies composed of individual bond holdings for the ultimate benefit of their clients. Richard is also President of the Fixed Income Management Group Inc. (FIMGI) who manages portfolios of high net worth individuals, corporate pension plans and institutions; also comprised of individual bonds. In addition, he works with other independent investment and financial professionals; including portfolio managers, investment advisors, financial planners and brokers. He has for 35+ years exclusively focused on the fixed income markets. Richard has worked with many of the largest financial institutions in the U.S., counseling major banks and thrift institutions in the development and implementation of bond strategies through changing market circumstances. Richard has been interviewed on TV and radio, is often quoted in financial publications and has been a platform speaker for numerous Professional organizations.