Founder and Chair – LMFC
Vice Chair – LMFC
President and CEO – The Bank of Northern Michigan
SVP of Shared Services - LMFC
Senior Vice President, Traverse City Market Manager

The United States is currently in the third quarter of our economic recovery. Although we are glad to see the turnaround, many are not feeling the positive effects – especially those who have lost their jobs or houses. We have believed for some time that this recovery would take time since the recession was caused by too much and poorly structured debt. This debt restructure program will take time and will have a negative impact on the pace of our economic recovery for some time to come. 

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