About the author

Richard Encarnacion

<p>Dr. Richard Encarnacion is a 3 time best selling author, a banker, and entrepreneur.&#160;</p><p>He is best known for Emmys in 2015, and being the founder of multiple successful small business and banker for UHNW.&#160;</p><p>He has broken world records, in sales being the youngest USA refinery mandate and Kazahstan refinery mandate.&#160;</p>