How Human Resources Can Be An Asset Not a Liability on Your Balance Sheet
Presented by Richard Lofredo and Bill Berger, The Financial Literacy Group
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About the Presenters:
Richard Lofredo | Dr. Paul Squires | Andrew Silbert | L. William Berger

About the Presentation:
This course will help the HR person acquire a knowledge of key financial terms that CEO's appreciate.

How can expenditures on personnel which are viewed as liabilities be seen as resulting in assets?
How can the use of innovative benefit programs increase cash flows?
How can the proper use of Human Capital result in increasing the value of a company and ultimately shareholders equity?

Other topics to be covered include overviews on: Key Financial Statements: A Bird’s Eye View; Balance Sheets; Income Statement (Profit and Loss Statement; P&L); Cash Flow Statement (Sources and Uses of Funds)

We will also discuss: Critical Financial Metrics; ROI (return on investment);Gross Margin; Mark Up; Payroll Expenses (what’s in, what’s not); Overhead

About Richard Lofredo:
Richard Lofredo, Chartered Financial Consultant, is a trusted advisor and educator with 23 years of experience providing financial planning strategies to families, business owners and corporate executives. From money management, retirement planning to employee benefit packages, the key to Mr. Lofredo’s success can be attributed to the relationships he develops with his clients. His focus and enthusiasm lies with organizations that provide services to families that encourage, educate and guides them to a brighter financial future. Communicating to audiences in an interactive classroom setting has proven to focus the participant’s actions on their own financial well being, a skill necessary but often ignored. There have been transformational changes in the lives the clients he serves. He considers it a professional honor to be a part of this endeavor. In addition to his ChFC designation Mr. Lofredo is also a Register Investment Advisor, holding Series 6, 63, 65 and 7. Life Accident & Health Licenses multiple states.

About L. William Berger:
Prior to founding Practical Resources, LLC Mr. Berger has over 25 years of experience as a business founder, general manager and consultant in a wide variety of industries. His consulting work focuses on the succession and exit strategies of business founders and top management. Bill has co-founded companies in several industries, including: business service; import/distribution; international telecom services and contract management of medical services providers. During this time he successfully raised venture capital funding, negotiated significant commercial leases and bank financing, formulated and successfully conducted business exits. He is the founder and President of the North Jersey Entrepreneurs Club, and Executive Associate of the Institute for Independent Business (IIB), and the secretary of the New Jersey Regional group of the IIB. He holds a B.S. in finance from the University of Buffalo and an MBA from Cornell University.

This program is pending approval for 1.5 recertification credit hour toward PHR and SPHR recertification through the Human Resource Certification Institute (HRCI). For more information about certification or re-certification, please visit the HRCI homepage at www.hrci.org

About Dr. Paul Squires
Dr. Paul Squires is president of Applied Skills & Knowledge, Inc www.appliedskills.com . He is an industrial psychologist with twenty-five years of experience with organizational assessment and design, process improvement, training development, performance management, assessment development and validation, computer-based training and project management. Prior to starting AS&K in 1999, he was Vice President and Practice Manager for Assessment Solutions Inc. Training and Development Services. Paul’s client list includes PricewaterhouseCoopers, KPMG, Merrill Lynch, Bristol-Myers-Squibb, IRS, Siemens, Department of Labor, Motorola, Hewlett-Packard, Avon, Novartis, to name a few.

Prior to his consulting career, Paul held senior positions at AT&T Corporate Human Resources with primary responsibility for selection, testing, employment and staffing, internal staffing systems and employee development. He was Director of Lucent Technologies Microelectronics International University responsible for developing a single world-wide training organization providing support to 18,000 employees. Paul holds a Ph.D. in Educational Psychology & Measurement from Fordham University and is an adjunct professor at Fairleigh Dickinson University.

About Andrew Silbert
Andrew Silbert is President of Andrew Silbert and Associates. He has been in the employee benefits business for 23 years. He was a full time agent with The Guardian for 10 years and has been an independent producer for the last 13 years. His office is currently servicing
200 accounts for employee benefits. Andrew is a specialist in the Voluntary Benefits market and has been active in this arena for the past ten years.

Prior to his insurance career, Andrew was a high school teacher who earned his Bachelors degree from UCLA and his Masters from Boston University. Andrew brings his educator's approach to employee benefits.

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