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Charlie Morgan, CLU – Principal and Attorney
HMH Advantage

Charlie Morgan is a Principal with HMH Consulting. Charlie assists large corporations, high net worth individuals, and life insurance companies in dealing with various matters related to the design and implementation of life insurance plans. Charlie also assists employers and employees with their ERISA and non-ERISA employee benefit plans. Charlie is available as an expert witness in disputes involving employee benefit plans and COLI.

Prior to the establishment of HessMorganHouse, LLC, Charlie was the founder and President of PruBenefit Funding, a Prudential Financial business that grew to more than $14 billion in assets during his tenure. He was previously the practice leader for the ERISA and employee benefits tax practices at Prudential. Before joining Prudential, Charlie was affiliated with Massachusetts Mutual Life Insurance Company in Springfield, Mass., and the Law Offices of Cornelius, Collins, Higgins and White in Nashville, Tennessee. As a criminal defense attorney, he has conducted more than 100 trials.

Charlie has more than thirty-five years of experience in the legal, life insurance, financial services, health care, and benefits fields. Charlie is a nationally recognized expert in corporate owned life insurance programs, having been a leader in developing institutional-oriented pricing, design, investment, and risk management structures for Fortune 100 and Fortune 1000 companies, banks, and insurance companies.

Charlie has prepared benefits-related testimony in both the United States Congress and state legislatures. He has testified at numerous hearings conducted by the IRS and various State Senate, Assembly, and regulatory committees. He has authored legislation that has been enacted into law by several states.

Charlie received his JD from Vanderbilt University School of Law and his MBA from Pepperdine University. He received a BA from Wesleyan University. He obtained his CLU and Pension Certificate from the American College. Charlie is licensed to practice law in Massachusetts, New Jersey, and Texas.