Dr. David Scieszka is the Founder and CEO of Vertical Longevity Pharma, a biotech startup developing cutting-edge therapeutics that target the root causes of age-related diseases. With a PhD in Biomedical Sciences, an MBA in Business Management, and a background as a U.S. Army PSYOP Specialist, Dr. Scieszka brings a unique blend of scientific expertise, strategic vision, and mission-driven leadership to the longevity space.

At Vertical Longevity Pharma, David is leading the development of a first-of-its-kind vaccine aimed at reversing the buildup of plaque in arteries, which is the underlying cause of heart attacks and strokes, and the leading cause of death worldwide. The company has already gained early traction with investors and formed academic partnerships to advance this breakthrough therapy toward human trials.

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Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.

Ray Smith is the President & CEO of Trycera Financial, Inc. Mr. Smith has spent over 25 years developing technologies and platforms in order to facilitate consumer credit profile reporting and business credit building. He is focused on a wide array of credit profiles, but specifically gravitated to thin or limited credit profile reporting.

During his tenures across a broad spectrum of companies, Mr. Smith raised millions of investment dollars for the purpose of funding working capital and research and development to complete proprietary software development in the reporting and credit services space along with acquiring strategic business relationships. He currently has been focusing on helping small business owners secure capital for launch, growth and scaling by using their EIN credit as well as securing institutional and private investments.

In addition, prior to his involvement in the credit reporting, credit building and technology space, Mr. Smith owned and operated a diversified financial services call-center which was responsible for processing credit card applications for a variety of banks specializing in turn down consumer conversions. The call-center generated up to $250 million in open to buy available credit and employed over sixty people.

As a leader in the alternative credit reporting markets and due in large part to his vast understanding of both the credit and reporting systems, Mr. Smith has emerged as a leader in the space. With his latest endeavors, Mr. Smith has put together a comprehensive financial credit awareness and funding coaching package to assist small business owners and entrepreneurs secure the capital they need to properly run their business.

Mr. Smith received a Bachelor of Science degree in Math and Music from Dickinson State University located in Dickinson, ND.

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Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.

Salman Ghani is a seasoned technology leader with deep expertise in compliance, risk management, AI and digital transformation. With over a decade of experience ensuring that technology solutions meet stringent regulatory and privacy standards, he has successfully guided organizations through complex compliance landscapes.

As the founder of My Driver Book, Salman is now combining his compliance background with emerging technologies, most notably artificial intelligence, to create a secure, intelligent platform for the logistics industry. His vision is to build My Driver Book into an AI-driven solution that proactively monitors driver performance, automates safety checks, and ensures real-time regulatory compliance. By embedding AI at the core, he aims to offer not just a product, but a predictive, self-improving ecosystem that enhances accountability, safety, and operational efficiency across fleets.

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Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.

With over 30 years of experience in wealth management, Rhonda Ducote is a respected leader and expert in the financial advisor industry. As President and Principal of Apriem Advisors, she is known for crafting personalized financial strategies that focus on both outstanding results and exceptional customer service. Rhonda’s dedication to her clients goes beyond business, as she considers them an extended family, pouring her heart into ensuring their financial success.

Rhonda is also passionate about empowering women in finance. Through the creation of Women of Wisdom, she provides a platform for women to take control of their financial futures, helping to bridge the gender gap in financial literacy and boosting confidence in financial decision-making.

Rhonda’s husband, children, granddaughter and two pups are the driving forces for everything Rhonda does!

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Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.

Craig Cooke is a successful entrepreneur who had the foresight to start a “digital first” company utilizing the Internet long before “digital first,” “digital transformation,” and other buzzwords of today were created. With extremely limited resources of $1,300 and an Apple computer, he started RhythmNet.com. Over the years of struggle, adaptation, and repositioning the brand, “Rhythm“ was sold to a world-class digital creative agency in 2019. Craig stayed with the company for just over 3 years, completing a 26-year marathon of running the company as CEO. During his tenure at Rhythm®, Craig worked with middle market to large enterprise companies, such as American Honda Motors, Beats by Dr. Dre, ZO Skin Health, Irvine Company, The Travel Corporation, Segway, U.S. Bank, FivePoint, Online Trading Academy, Allergan, Abbott Labs, Takeda Pharmaceuticals, and many other B2C and B2B brands.

Craig has also participated as a speaker in many conferences and seminars, including “Connections” by ExactTarget, The “Res Conference” by the National Center for American Indian Enterprise Development, The Integrated Marketing Forum, and numerous other events. He has also served on the boards of the California American Indian Chamber of Commerce as Vice-President and the American Advertising Federation as Interactive Chair.

Today, Craig shares his business wisdom, experience, and expertise in three key areas: executive leadership, brand development, and marketing communications. He continues his training in martial arts, continuously learning and evolving his skills. Also, he has studied and served as a practitioner of Chinese Medical Qigong since 2015, bringing energy healing to hundreds of people. He has a Doctorate Degree of Chinese Energetic Medicine from the Temple of Change and Transformation. Craig incorporates his skills, knowledge, and expertise in energetic practices into the world of business to provide a truly unique perspective and method in working with professionals across a wide variety of industries.

Outside of his consulting and qigong practice, Craig enjoys spending time with his wife, two kids, and two dogs in Southern California.

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Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.

Meghan Clem and Katie Webb Brundige are the creative forces behind Intertwined Inc., bringing decades of experience in hospitality, events, marketing, and design to the art of crafting luxury experiences. Their hospitality collection of brands offers wedding and event production services, social media marketing, and room block management. Known for their creativity, precision, and heart, they also lead RAD Camp, their nonprofit organization dedicated to empowering individuals with disabilities through life- changing and inclusive experiences.

Meghan, a University of Southern California graduate with a degree in Public Relations, launched her career in event planning and public communications for the City of Anaheim, later expanding her talents into large-scale production, nonprofit consulting, and social media strategy.

Katie, who holds a Bachelor’s degree in Hospitality and Tourism Management with a focus in Event Management from San Diego State University, began her journey planning major events for Fortune 500 companies before building a reputation for bespoke event design and multi-day productions across the globe.

Together, they’ve woven social impact into the very fabric of their business model because they believe that luxury and generosity are not mutually exclusive.

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Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.

Susan Howington is the CEO and Founder of the outplacement and executive coaching firm called Power Connections Career Services, Inc, and equity owner of Career Partners International. She is a sought-after expert in the career management field due to her experiences as a career consultant, executive coach, author, and speaker. Her life-long goal is to help professionals manage and advance their careers through effective work relationships and strategic management growth, which ultimately leads to greater success for them and the companies for which they work.

Susan made her mark in the industry throughout her executive tenure with the firm of Lee Hecht Harrison, a global player in outplacement and executive coaching services. Under Susan’s leadership as Senior Vice President and Managing Director of the Southern California region, the company was branded as the premier Executive Coaching service in Orange County, California. She received Lee Hecht Harrison’s Global Leadership Consulting Award and participated as a member of the Company’s Executive Strategic Planning Committee.

Widely recognized, Susan was profiled by OC Metro Magazine as one of “15 Orange County Women Who Inspire Others”. She has appeared in national and regional media outlets that include the Orange County Register, Los Angeles Times, and the Wall Street Journal. She is the author of the book on Amazon.com called “How Smart People Sabotage Their Job Search: 10 Mistakes Executives Make and How to Fix Them.”

Susan is an Associate Certified Coach (ACC)™ through the International Coaching Federation. Her experience includes coaching C-level executives and key senior management.

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Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.

As founder of OC Growth Advisors, Marla works with business owners and their employees to improve focus and processes for growth and greater profitability. She has run several successful organizations, including one she sold in 2015 for 15 times EBITDA. Marla has served on multiple non-profit boards as well as two for-profit Boards. She is also a chapter chair for WPO, Women Presidents’ Organization, which is an international organization of women business owners.

Marla’s clients range from service industries to construction to manufacturing, in the $2 million to $50 million range. Her clients say she helps keep them focused on the business, versus working in the business. Her 14 years in Vistage and 11 years in WPO have trained her to be continuously looking for tools to help the businesses run more efficiently. She wants her clients to enjoy their business until they wish to sell or transition the business to employees or children.

Marla is a CPA and an MBA and has taught at Chapman University and UCI. In addition, Marla volunteers to help new or developing businesses succeed.

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Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.

Drawing on years of hospitality industry expertise, Ms. Almada excels as the Chief Executive Officer of DKN Hotels. Since joining the organization in 1998, she has held various roles, including Vice President, Regional Director, General Manager, and Assistant General Manager. In this current capacity, she oversees all personnel, ensuring they have what they need to reach their goals. Additionally, Ms. Almada conducts site visits, manages growth strategies, and collaborates with team members to motivate and inspire them.

An expert in her field, Ms. Almada earned a bachelor's degree in tourism and hotel management from Universidade Anhembi Morumbi before joining DKN Hotels as a front desk clerk. Subsequently, she expanded her professional knowledge by completing an MBA with emphasis in leadership and management from the University of San Diego. In conjunction with her work, she is aligned with Vistage Worldwide, Inc., a chief executive officer coaching and peer advisory organization through which she has dedicated herself to continued improvement and mentorship since 2009. Likewise, Ms. Almada has dedicated herself to her community through the Girl Scouts from a young age and the Woman's Leadership Council.

In light of her professional achievements, Ms. Almada has received numerous awards and nominations for her dedication to industry excellence. Most recently Ana has been recognized as one of HOTEL MANAGEMENT Magazine's 2025 Forty Over 40! This distinction celebrates exceptional leaders who exemplify dedication, innovation, and influence within the hospitality industry. Ana's unwavering commitment and passion continue to inspire us all, shaping a legacy of excellence here at DKN Hotels.  DKN Hotels was also named the Best Place to Work in Orange County in 2017 and received the Nation's Top Workplaces through USA Today in 2024. While her career has been filled with highlights, she takes the most pride in developing DKN Hotels' company culture and establishing new hotels.

Though hard work and dedication have brought her far in her career, she credits her success to the collective efforts of everyone she works with. Her team generously gives their time, knowledge, and patience to fulfill the company's desire to make a difference. She also notes that education, research, and drive have kept her on the path to success.

Looking toward the future, Ms. Almada intends to ensure that DKN continues to develop and manage their portfolio of hotels, expands the business, extend its management services to other hoteliers, and inspire and develop more passionate individuals in the hospitality industry.

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Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.

Brandon is the Founder and CEO of AURA, a firm specializing in providing fractional controllers and CFO services to marketing agencies. With over 15 years of professional experience, Brandon helps marketing agencies scale and become more profitable by understanding the value of accurate data around their decision-making process. AURA has had several clients successfully sell with eight figure exits, and their professional experience eclipses nine figure businesses.

Brandon is the treasurer of the Newport Beach Police Foundation, along with a member of the Entrepreneurs Organization where he serves on the Strategic Alliance Partners committee. In his spare time, Brandon loves to spend time with his three rambunctious young boys, as they drive the coast in search of a new park to explore.

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Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.

Dr. Sophia Nnenna Ononye, PhD MPH MBA is a Yale-trained Cancer Research Scientist, Entrepreneur, Podcaster, Speaker, Certified Corporate Director, Board Advisor, Women's Health/FemTech Strategist, NMQF 40 under 40 Minority Health Leader, and Mentor. Dr. Ononye has over 15 years of cross-functional experience in the biopharmaceutical industry across drug discovery, medical affairs, strategic marketing, and corporate communications with a specialty training and focus on oncology and women's health.

A contributing writer to several leading outlets including Inc,, Entrepreneur, Life Science Leader, Cell & Gene, MIT Technology Review, and WebMD, Dr. Ononye is a Yale Entrepreneur in Residence, Daré Bioscience Board Advisor and previous Independent Board Director and Member of the Nomination and Corporate Government (NG&C) and Compensation Committees, EY Entrepreneurs Access Network inaugural member, Dell Women's Entrepreneur Network Advisory Council Member, and former President of the Healthcare Businesswomen's Association (HBA) New York Chapter. Dr. Ononye’s list of honors includes a 2023 National Minority Quality Forum (NMQF) 40 under 40 Minority Health Leader Award.

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Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County.