Dave Hall is a CPA, public speaker, webinar presenter, podcaster, retirement risk advisor, and all-around good guy. After graduating with his master’s degree in accounting from Southern Utah University, Dave moved to Las Vegas expecting to die there as a tax accountant. It was going great until he realized he had a greater passion for helping people get safely through retirement than he did for helping them get safely away from the IRS.

To follow his dreams, Dave left his role as managing partner of the accounting firm that he helped build into one of the largest in the history of Las Vegas. Eventually, he moved to Puerto Rico where he began piecing together what would allow him to share his knowledge on what it takes to get to a tax-free and risk-free retirement with thousands of people, just like you.

Dave now lives in Tennessee and spends most of his time educating CPAs and EAs on various retirement topics.

Patrick Bowers is the founder and Chief Retirement Risk Adviser of Gratitude Financial. As a fiduciary, he is dedicated to providing only the highest quality retirement and strategic planning solutions available to his clients. Passionate about helping prepare for and navigate the intricacies of the decumulation phase of life, he and his team specialize in wealth management, wealth transfer strategies, and strategic planning to enjoy the “Back 9” of life.
 
Pat is regarded as “down-to-earth” and a “great listener,” and with more than 20 years of classroom instruction, he is adept at distilling complex ideas in simple terms. He enjoys educating clients on the specific tools and resources that will help them work toward a rewarding and stress-free retirement. His purpose and passion are fulfilled through teaching: whether to teenagers on the verge of entering the world of work or to boomers on the verge of retiring from that world. 

A graduate of San Diego State University, with a B.A. in English in 1997, and UMass Global with Masters degrees in instruction and leadership, Pat is an active member of the San Diego County public education community, well-versed in pension accumulation, supplementation, and distribution.
 
Beyond his own personal experience, credentials, certificates, and securities and insurance licenses in Long Term Care, Life, Health, and annuities, (CA LIC 4058525), his wealth management team members include CPAs, CFPs, multi-family real estate experts, and securities professionals registered with FINRA Series 7, 24, 65, and 66.