In the midst of the COVID-19 pandemic, I recognized a fundamental issue that countless entrepreneurs and small business owners were facing: they were not equipped with the essential tools and knowledge to establish and grow their businesses effectively. Many were operating under their Social Security Numbers (SSNs) rather than acquiring the crucial Employer Identification Numbers (EINs). This oversight meant they lacked vital components such as a dedicated business bank account and a professional business email account. More concerning was the rampant commingling of personal and business finances, along with other detrimental business practices.

Paul Gardner is a retired lawyer who built three successful companies from the ground up, including a successful corporate & entertainment law firm. He breached the pinnacle of his professional career twice: once while working at DLA Piper, and again, while representing various well-known celebrities. After many years of service, he decided to reroute his life to focus on becoming a family man.

Today, Paul Gardner has re-invented himself and is back on the world scene with various successful enterprises. After seeing the demand in underserved communities, he created the Modern Day Business School to help teach people how to correctly start and proficiently run their own businesses. He hopes for the Modern Day Business School to become one of the top three business schools for the urban community. Paul wants his curriculum to be easily understood by his students through communicating with them in their language (as much as possible).

Paul Gardner has set an example for the upcoming entrepreneur, who will be learning from him. He shows them the extreme danger that lack of knowledge can have on a small business. Paul believes that he can change lives through transparency and education. Paul prides himself in helping people whenever he can and never giving up on doing what you love.

Once you encounter Tiffany Bethea, you will understand why her clients have been able to go from $0 in revenue to over $10K and $30K in just one month. Equipping women in business with the tools to dramatically increase their impact and income online is her genius.

Tiffany Bethea is an award-winning speaker, visual brand stylist, creative director, and bestselling author. She has a degree from Hampton University and is certified in digital marketing. As the founder of Tiffany Bethea International, for the past 16 years, she has shown women coaches, speakers, and service providers how to launch and scale massively profitable and impactful online brands.

Tiffany has shared the stage with Les Brown, Dr. Cindy Trimm and Dr. Dennis Kimbro and shared her genius with brands such as TedX, Ledios, Lockheed Martin, Baltimore County and City Public Schools to name a few.

Tiffany is a member of the International Association of Women, Delta Sigma Theta Sorority Incorporated and ForbesBLK.

Hello, I'm Michael T. Fenwick, a Baltimore native and a business founder with a vision. Back in January 2019, I was on a mission to expand my business horizons, driven by an unwavering determination to unlock my full financial potential. Along the way, I stumbled upon the transformative power of credit repair.

As I witnessed the incredible impact this knowledge had on my own financial journey, I knew I had to share it with others. It not only paved the way for my own financial freedom but also became the driving force behind my commitment to help people reclaim their financial independence.

I firmly believe that building good credit is the easy part; the real challenge lies in effectively managing it, a hurdle that countless individuals face. We've all experienced the frustrations of navigating the complex world of credit, especially when you encounter companies that make empty promises.

This is why I founded a platform dedicated to empowering more and more families to achieve the lifestyles they truly deserve.

Yvette Carter-Brown has over 20 years banking experience and service to the community. She has held several positions including rising to the heights of Vice-President. Yvette is passionate about helping people close the digital divide and building generational wealth.