Pamela Villarreal is an NCPA expert on retirement, economic growth and tax issues.

Villarreal has written studies and analyses on specific economic and retirement topics such as minimum wage effects, the jobs market, returns on stock and bond investments, retirement account reforms and the NCPA’s state tax calculator. She has authored and co-authored numerous publications on diverse topics such as capital gains taxes, reverse mortgages, Social Security disability and baby boomers’ spending habits. One of her studies, "Wealth, Inheritance and the Estate Tax," was coauthored with noted economist Jagadeesh Gokhale.

Villarreal's work on the NCPA's 401(k) borrowing calculator and the negative consequences to borrowing from a 401(k) has been recognized by media throughout the country. Among those was Kathy Kristof, the award-winning personal finance columnist with the Los Angeles Times.

Villarreal routinely shares her insight with media outlets throughout the country. Her work has been covered by FOX Business News, CNBC, Forbes, Bloomberg, USA Today, Money Magazine and The Washington Times. She is a much in demand speaker on retirement and tax issues.

Todd Wagner is the founding Pastor of Watermark Community Church in Dallas, Texas. The church was established over a decade ago by a handful of friends who were burdened to make the invisible Kingdom visible to their spiritually confused and compromised friends in their city. Watermark’s mission as the local body of Christ is to reach the unchurched, de-churched, dead-churched and unmoved and call others to believe in Christ, belong to His body, be trained in truth and be strong in ministry. Today, Watermark has campuses in Dallas, Fort Worth, Plano and is working around the world by serving, training and encouraging indigenous leaders in numerous countries to radically embrace the adventure of being fully devoted followers of Christ in their cultural context. In addition, Todd leads the Life Center which is an initiative to create a world class museum dedicated to honoring human life, to ending abortion and advancing a society that embodies human dignity. Todd’s first book, “Come and See” with David C. Cook Publishers will be released Spring of 2017. Todd and his wife, Alex, are busy investing in their six kids.

David A. Grantham, Ph.D., is an NCPA senior fellow and project manager for the NCPA's Financial Crisis Initiative. He is an expert in U.S. national security issues and Latin American and Middle Eastern politics and economy. Dr. Grantham’s work has been featured in the Journal of Transatlantic Studies, History Compass, Townhall and the Daily Caller, among others, and is also a graduate of the University of Texas’ Arabic Summer Language Institute.

Prior to his work at NCPA, Dr. Grantham served as an officer in the United States Air Force and as a Special Agent with the Air Force Office of Special Investigations (AFOSI). While on active duty, Dr. Grantham conducted and managed criminal, counterintelligence, and counter-terrorism investigations and operations, both stateside and abroad. Dr. Grantham oversaw investigations as Operations Officer at Ellsworth Air Force Base in South Dakota and led operations to prevent foreign exploitation of military technology as Chief of Research and Technology Protection in Arlington, Texas. Dr. Grantham also deployed to Afghanistan and Camp Bucca, Iraq (2006) and Baghdad, Iraq (2008) in support of AFOSI counterintelligence operations.

Dr. Grantham holds a PhD in history from Texas Christian University and a Master of Science in International Relations from Troy University. He earned his Bachelor of Art in History from University of South Florida in 2004.