Richard Joseph Managing Director Orange County, CA 714-415-1801 firstname.lastname@example.org V-card PRESENT POSITION Richard leads the delivery of Chartwell’s West Coast financial advisory and consulting services. He has worked with ESOPs and other retirement plans for over 25 years. Richard is a recognized authority in fiduciary compliance, corporate governance, ESOP transaction structure and execution, and other business issues involving capital planning for privately held companies. MEMBERSHIPS & DESIGNATIONS Richard is a frequent speaker at local, regional, and national ESOP conferences. He is an active member of the National Center for Employee Ownership (NCEO), The ESOP Association, Employee-Owned S Corporations of America (ESCA), and the Association for Corporate Growth (ACG). PRIOR EXPERIENCE & EDUCATION Prior to joining Chartwell, Richard was a Managing Director with Alerus Financial’s ESOP Services practice, where he regularly engaged with companies on a broad range of topics including ESOP formation, fiduciary issues, stock transaction structure, corporate governance, repurchase obligation, stock valuation and capital analysis, ESOP sustainability, and participant communications. Richard holds a Bachelor of Science degree in finance from Arizona State University.