Management Advisory

and

Industry Research

G. Michael Flores, CEO of Bretton Woods, Inc., is a consultant and researcher who has provided strategic consulting services to financial services companies for close to 40 years, with a particular focus on higher risk market segments including alternative credit and payments programs for the last 10 years.

His work has taken him throughout the United States, Southeast Asia, Latin America and Europe.

For the last ten years he has researched access to banking services for state legal cannabis businesses.  He has co-authored and published a Cash Management Standards for cannabis businesses in conjunction with the National Association of Cannabis Businesses.

Additionally, he has written and published research papers on consumer credit and overdrafts 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 been as expert witness for overdraft class action suits, testified before three House and and two Senate subcommittees and spoken to industry groups.

He is currently writing a high-stakes thriller of power, AI, and the battle for the future in a world where artificial intelligence, financial warfare, and global influence collide. The Singularity Accord ^© unravels the terrifying consequences of technology falling into the wrong hands—and the desperate fight to stop it before humanity loses control.