Dr. Anthony M. Criniti IV holds a PhD in applied management and decision sciences, with a concentration in finance, from Walden University. A native of Philadelphia, he earned his BBA at The George Washington University and a master of science in financial services from The American College, where he also obtained designations, including Chartered Financial Consultant (CHFC), Chartered Life Underwriter (CLU), Registered Executive Benefit Consultant (REBC), and Registered Health Underwriter (RHU). He holds Pennsylvania licenses in fixed annuities, life and health insurance, and real estate. Dr. Criniti's professional experience includes work in the field of mutual funds for The Vanguard Group as an investment and a retirement specialist, as a financial planner for several hundred clients, and as a real estate developer. Dr. Criniti is a professor at several universities and an active investor in various marketplaces. He has traveled around the world studying various aspects of finance. Finally, he is also the author of the acclaimed finance book, The Necessity of Finance.