Mr. Daniels is Co-chairman and CEO of HUTN, Inc., and CEO of Megga Inc. Mr. Daniels is recognized as a thought-leader and innovator in applying technology to expand consumer choices. His pioneering and disruptive influence has touched internet services, mobile systems, and digital media. For the last three years, he has focused on using internet technologies to alleviate the national crisis caused by the trillion dollar gap in retirement funding. He holds two pending patents for retirement systems. Mr. Daniels has substantial expertise in structured finance, at one point leading a structured finance specialty firm. He started his career at EF Hutton as a banker in the firm's top-ranked healthcare finance group. Mr. Daniels earned a BA from Hamilton College, an MBA from Cornell University, and a masters' degree from Harvard University.