I have 45 years of experience, and specialize in the field of employee benefits with specific knowledge in the areas of benefits, administration and funding mechanisms. I received a phone call from a friend that a union trust had some issues and was maybe $500,000 in the red. The next day I spent 2 hours at the trust. I talked to the executive director and looked at their financial documents. I called my friend back that afternoon, and said they were closer to $5,000,000 in the red. Their actuary [a very reputable firm], their accountants [also very reputable] and their legal counsel all failed them. It was determined about 4 months later, that they were indeed $5 million short. I know insurance, accounting, contracts and trusts, AND I can put it all together and see issues that need addressing.