John Dolan-Heitlinger is a nationally known consultant and business executive with more than twenty years’ experience as a CEO and senior executive in financial institutions. His national consulting practice assists financial institutions and small businesses with governance, planning, financial management, mergers, and regulatory issues. He has chaired and served on many civic, not-for-profit, and government boards. Mr. Dolan-Heitlinger earned his MBA from the Johnson School at Cornell University and a bachelor’s degree in history and economics from SUNY Potsdam. He is a nationally recognized speaker and regular contributor to professional journals. He is retired from the U.S. Coast Guard Reserve as a Commander.

William S. Hettinger is an internationally known educator and consultant with more than twenty-five years’ experience in finance, entrepreneurship, real estate, and leadership. He is a principal at the Institute for Finance and Entrepreneurship and president and founder of Prosperous Communities, a housing and economic development consultancy. He has taught finance and entrepreneurship to graduate and undergraduate students for over a decade and is currently an adjunct professor at Albertus Magnus College and Bay Path University.
Dr. Hettinger has been featured in publications including the Wall Street Journal, Bloomberg Businessweek, CBSNews Money Watch, the Associated Press, and the Kauffman Foundation’s Entrepreneurship.org. He has also been a guest on NPR and numerous local TV and radio shows.
Dr. Hettinger earned his Ph.D. in International Development from the University of Southern Mississippi, where his research focused on resident housing in resort communities. He also earned an MBA from Rensselaer Polytechnic Institute and a BA in Mathematics and Economics from the University of Buffalo. His research interests include professional financial literacy, market failures, and workforce housing.