Jae W. Oh, MBA, CFP is a chartered life underwriter and a chartered financial consultant. He is the managing principal of GH2 Benefits, based in Ann Arbor, Michigan, with individual and commercial clients nationwide. He is the chair of the Great Humanity Healthcare Foundation, Inc., a 501(c)(3) organization that provides financial relief to insured persons saddled with medical debt. He has frequently served as a panelist representing Humana Inc., one of the nation's largest providers of Medicare plans. He is a frequent public speaker to large and small groups, including the State Bar of Michigan, colleges, companies, library systems, and senior centers. He is widely quoted in the national media on financial and Medicare topics. He has a master's degree in business administration in accounting and finance from the University of Chicago, and a bachelor of arts degree in economics and political science from the University of Michigan, Ann Arbor. He has spent over a decade in international capital markets on three continents. He resides in Michigan. Less