SAMUEL K. FRESHMAN is an expert in real estate syndication and has been a general partner in over one hundred real estate syndications. He founded and has served as chairman of Standard Management Company for the past 50 years. His Los Angeles-based company man-ages hundreds of millions of dollars in assets. A Stanford University and Stanford Law School graduate, Sam is Chairman Emeritus of Stanford Professionals in Real Estate (SPIRE). He has been adjunct professor of real estate law at the Graduate School of Business of the University of Southern California and has lectured on real estate law and syndication at Pepperdine University Law School, Stanford University Law School, Loyola Law School, University of Southern California Law School, and University of California Los Angeles Law School. Sam has been a member of the American College of Forensic Examiners since 1994, and has served as an expert witness in nearly one hundred legal cases involving real estate and banking matters in both state and federal courts. Throughout his legal and business career, Sam has provided hundreds of hours of consulting, mentoring, and workshops to help people of all ages and incomes achieve success in their lives and their businesses. Heidi Clingen has helped consumers find value throughout her careers in public relations, editing and coaching. She has held writing and editing positions at Apparel News Group and The Wall Street Journal, where she received a Dow Jones Foundation Fellowship. Heidi holds degrees and certificates in journalism, screenwriting, and grant writing. She now devotes her time to researching, writing and speaking on how to live well on a modest income.