MICHAEL McDONALD (mjm@gmanalytic.com), Senior Vice President of investments at a major national brokerage firm, manages over $500 million in IRA rollover retirement assets for more than 1,200 clients. A native of Los Angeles, he has given more than 700 retirement and investment seminars over the past fifteen years. McDonald formerly appeared as a weekly market commentator for KWHY Channel 22 in Los Angeles.