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Since founding the firm in 1989, Harold Panciera has been chairman of Phoenix Financial Services, LLC. An investment banking company, PMG annually arranges several million dollars of financing for small businesses through a number of national and/or publicly traded lenders. Phoenix is the exclusive investment banker to several national and regional retail petroleum marketers' associations. After earning his Bachelor of Science from the University of Rhode Island (Kingston, RI), in 1967, Hal began his career at Shell Oil Company, retail gasoline and TBA marketing division. His responsibilities included dealer recruitment, financing, training and development. He was TBA Manager and Special Projects Manager. In 1976 Hal founded JMJ Enterprises, Inc., a gasoline marketer with 10 outlets and two carwashes. Concurrently, he was President of E.K. Williams & Company of Rhode Island, a management consulting firm servicing over 70 clients, mostly petroleum marketers, throughout New England. In 1982 Hal sold both businesses to focus on national travel plaza developments. Between 1980 and 1989, when he founded Phoenix Financial Services, LLC, Hal held several executive positions with companies on a crisis management basis. He assisted in the real estate development, financing, construction and operation of several large retail petroleum facilities (travel plazas) throughout the United States. Hal is a member of the Institute of Management Consultants and became a Certified Management Consultant in 1992. His civic involvements include the Westerly (RI) Rotary Club, the Westerly YMCA, Westerly Center for the Arts, and Westerly Hospital | 