Wells Fargo and Radio One are joining forces to help empower you to take charge of your financial future. We have assembled a team of experts to answer your important financial questions.

Listen to the live broadcast on July 21, 2012 at 9 AM ET.

Meet our team of experts.

The Panelists:

Panelist Photo

Michelle Thornhill

Michelle Thornhill is the Senior Vice President and African American Segment Manager at Wells Fargo. In this position, she has enterprise-wide responsibility for the African American Segment, working closely with product groups and the Regional Bank to accelerate the corporation's success in this important segment.

Michelle has over 15 years of experience developing consumer initiatives for diverse audiences in the financial services and non-profit sector, and has traveled extensively, both domestically and internationally, in support of these goals. She firmly grasps the multi-faceted nature of the African American segment from her work with the NAACP, teaching at a Historically Black College and University, developing and implementing financial education programs, and consulting with African American business owners. Michelle currently serves as board member for North Carolina A&T State University's Institute for Advanced Journalism Studies and Department of Journalism and Mass Communication, as well as co-chair of the advisory board for New Leaders in Charlotte.

In 2011, Michelle received the Network Journal's "Twenty Five Influential Black Women in Business Award".

Michelle's educational credentials blend finance and public policy, with a Bachelor of Science from Virginia Polytechnic Institute and State University, a Master of Science in Administration from Central Michigan University, and a Master of Public Administration from Harvard University, the John F. Kennedy School of Government. A native of Richmond, Va., Michelle resides in Charlotte, N.C. with her husband, Dr. Wayne L. Thornhill, Esquire, and her two sons, Kwame and Kwasi.

Panelist Photo

Gail Perry Mason

Detroiter Gail Perry-Mason has come a long way, from foster care to caring for others. Gail is a respected authority in the financial industry. And now she can add bestselling author to her list of accomplishments. And it's her years of experience, coupled with her down to earth but also down to business style that has made her a sought after speaker and presenter. Gail maintains a packed schedule of media and speaking engagements. She regularly addresses capacity crowds educating people on financial literacy and has conducted financial training sessions and workshops for companies such as Chrysler, IBM, MGM, McDonald's, DTE Energy, Blue Cross Blue Shield of Michigan, and Wells Fargo, to name a few. Gail's wisdom also hits the airwaves and she co-hosted an award-winning talk show entitled "Building Wealth," via radio broadcast on MIX 92.3 and a television broadcast on Comcast Cable and MIX Money Minute on Clear Channel every Sunday. She has appeared on all the local Detroit television networks, and on national outlets such as BET, Fox News, PBS, CNN, MSNBC, and NPR Radio.

Gail is a prolific published writer and has written articles for local and national print media. She has been featured in many publications including: Ebony, Black Enterprise, On Wall Street, Research Magazine, Quick and Simple-Good Housekeeping Magazine, Essence, Jet, Free Press and Detroit News, Signature, Her magazine, Magazine, Corp!, Washington Post and Associated Press.

While juggling her demanding career in the financial industry and public appearances, Gail found the time to write and publish her first book Money Matters for Families, which served as a manual for the employees at Chrysler to teach them how to get their financial household in order. The book is geared towards families and focuses on the critical elements for building a strong financial foundation. It sold out of it's original printing in the first year and is currently out of print. Gail's second book, Girl, Make Your Money Grow, written with co-author Glinda Bridgforth was a national best seller. The book was featured on Oprah's Debt Diet. Gail is currently working on her line of pearls and Pearls of Wisdom journal.

Gail recognizes the necessity of teaching youth the importance of money management and she founded and directed the original Money Camp for Teens and the first youth investment club. Each year Gail hosts a Money Camp for Youth, which has instructed over 6,000 young people in the Detroit-Metro area and mentored over 25 young women who are now professionals in the financial industry. Currently she is conducting a program in the Detroit Public Schools that teaches financial literacy and outlines the steps to entrepreneurship.

Gail is extremely visible and active in her community. She served as Chairperson for the Tavis Smiley Youth to Leaders Program since its inception and was honored for her work with Mr. Smiley at a benefit held at the home of Arianna Huffington. Gail was Honorary Chairperson for COTS Homeless Shelter Annual Fundraiser, Mariners Inn River Rhythm Annual Fundraiser, and Celebrity Chef for Spaulding for Children. She is also an honorary member of Elliottorian Business and Professional Women's Club, and a proud member of Jack & Jill of America. In 2010, Gail was honored by the Alpha Phi Alpha fraternity for Economic Empowerment and Education.

In addition, Gail has received numerous awards. Ford Motor Company, Michigan Women's Foundation, and New Detroit Inc., and AKA National Sorority, National Association of Securities Professionals, Rolling Our magazine recently honored Gail because of her investment in our youth.

Gail was honored as Michigan's Local Hero Award by Bank of America and Community Role Model Award from Alternatives for Girls, and the Economic Empowerment Award from 100 Black Men for her work in the community in 2009.

She was also named as one of Michigan's Top 10 Business Women by the National Association of Business Women Owner's in 2007 and received the Community Service Award from the Michigan Women's Foundation.

She was named Phenomenal Business Woman of the Year, and was given an award from the Governor of Michigan for fundraising for Non-Profit Organizations, where was a Community Ambassador for the Governor of Michigan.

Dynamo Gail is also a mother of three terrific sons. Her mottos are Success Benefits Others First and Opportunity Doesn't Happen Without Sharing.

Panelist Photo

Michelle Singletary

Michelle Singletary is a nationally syndicated columnist for The Washington Post. Her column, "The Color of Money" is an award-winning column, which is now carried in more than 100 newspapers.

She is the author of three books, "Spend Well, Live Rich: How to Live Well With the Money You Have (Random House);" "Your Money and Your Man: How You and Prince Charming Can Spend Well and Live Rich" (Random House), and the recently published "The Power to Prosper: 21 Days to Financial Freedom," published by Zondervan, a HarperCollins company. "Your Money and Your Man" was a finalist in 2006 for "Books for a Better Life," which honors the best self-improvement books. This highly regarded award promotes the importance of one of the largest and fastest-growing segments in the book publishing business.

In 2011, "Spend Well, Live Rich with Michelle Singletary" premiered on WNED-TV Buffalo/Toronto. The one-hour special began airing on other PBS stations in 2012. "When Michelle Singletary was featured in the WNED production 'Your Life, Your Money' (2009), we knew her sage financial guidance warranted its own distinct vehicle for presentation," said WNED President and CEO Donald K. Boswell. "WNED is pleased to have worked with Michelle to create this national special for public television. Her sound advice is both engaging and empowering."

In January 2012, Singletary began providing regular financial segments for "The Revolution," a daytime program on ABC that ran one season. For two years Singletary was host of her own national television program "Singletary Says" on TV One, owned Radio One and Comcast. Following her second season, she hosted a personal finance special for TV One, "Real Estate Realties: When the Boom Goes Bust." The special, which aired in 2008, focused on how the real estate crisis impacted the African-American community.

For several years, Singletary was a regular personal finance contributor for National Public Radio's afternoon program "Day To Day." She is often a contributor to NPR's "Talk of the Nation." She is frequently asked to appear on local and national radio programs including the "Diane Rehm Show" and "The Yolanda Adams Morning Show." She has appeared on all three major networks, NBC, ABC and CBS. She has prepared personal finance segments for local and national news programs, and for a number of network and nationally syndicated programs, including "Oprah," NBC's "Today Show," "The Early Show on CBS," ABC's "Nightline," CNN, "The View," and "Tavis Smiley" on PBS. She has appeared on "Meet The Press." In 2000, she was recruited as a regular contributor to do live financial segments for MSNBC.

Singletary has written for the flagship "O, The Oprah Magazine." For a brief stint in 2008 she was the personal finance columnist for "O at Home" magazine, which was closed because of the recession. The quarterly magazine was a spinoff of the monthly "O, The Oprah Magazine."

In her spare time, Singletary is the director of "Prosperity Partners Ministry," a program she founded at her church, First Baptist Church of Glenarden, in which women and men, who handle their money well, volunteer to mentor others who are having financial challenges. Prosperity Partners is a 10-month program with a typical participation of about 150 people. Once a month, Singletary conducts a three-hour workshop for the ministry group on topics that range from tithing, to developing a budget to getting out of debt. Singletary also started a prison outreach program in Maryland to teach soon-to-be released male and female male inmates how to be better money managers. She and a group of volunteers regularly hold workshops in the correctional facilities. In 2010, Singletary was named Ministry Leader of the Year at First Baptist Church of Glenarden for your direction of Prosperity Partners and for her prison volunteer work.

Just a year after starting her column, The Washington Post nominated it for a Pulitzer Prize. Her column won a prestigious award from the Society of American Business Editors and Writers. She won Best in Business for a series of columns that ran in 2007. The judges wrote: "Michelle Singletary's work illustrates a range of writing that's both approachable and explanatory. In 2009, she was selected to receive the Distinguished Alumni Award from The Johns Hopkins University. She also received the 2009 Matrix Award for Professional Achievements from The Association for Women in Communications. In 1994, she was awarded a fellowship by NABJ to write about small women-owned businesses in West Africa. While in Africa, she helped cover the 1994 election of Nelson Mandela, and shared the lead story on Election Day with the Post's foreign correspondent, writing about a Soweto family's day at the polls.

She is a graduate of the University of Maryland at College Park, and The Johns Hopkins University, where she earned a master's degree in business and management. Singletary and her husband reside in Maryland with their three children.

Panelist Photo

Jeffrey D. Cosby

Jeffrey D Cosby is a Vice President and Associate Market Manager, with Wells Fargo Advisors. He presently serves the Washington, D.C. Major Market. In this capacity, Jeff works with Financial Advisors and Trainees to increase individual productivity, recruit and retain talent. Jeff has the additional responsibility for increasing the market's revenues and client base. The job requires close work with financial advisors, both in implementing firm wide sales strategies and in developing tactics related to the local competitive situation. Additionally, Jeff is responsible for countering the efforts of other financial services firms to penetrate the local client base.

Jeff Cosby comes to the D.C. Major Market by way of Jacksonville, Florida where he ran a successful practice as a Financial Advisor with Well Fargo Advisors, Wealth Brokerage Services.

As a U.S. Marine, Jeff was awarded Marine of the year in 1992. He retired from the Marines in 2005 as a Master Sergeant and combat veteran.

Jeff is a graduate of Park University and he holds degrees in Management/Finance and Accounting.