Management Advisory, Industry Research and Expert Witness Services


You want your business to grow and become more successful. And making sure that happens sometimes takes a little outside assistance. Since 1988, Bretton Woods, Inc. is here to assist you reach your goals and solidify strategies that ensure your company's success.

G. Michael Flores, CEO of Bretton Woods, Inc., is a consultant and researcher who has studied financial services companies and consumer credit in general for close to 40 years, with a particular focus on “alternative” credit programs for the last 10 years.

He has written and published research papers on consumer credit in the United States and the United Kingdom, as well as papers on payments, including general-purpose reloadable and payroll prepaid cards. Based on these studies, he has testified before five House and Senate subcommittees and spoken to industry groups. He has also authored articles for industry publications.  He is currently conducting research on the impact of artificial intelligence, machine learning and robotics not only in financial services but also on human culture in general.

He is a faculty member with Pacific Coast Banking School at the University of Washington in Seattle where he teaches "Retail Banking in the 21st Century" and a graduate of the University of Notre Dame.