♦ Members of the Firm ♦ JERRY A. SMITH, CPA Jerry is a graduate of the University of Evansville.  His areas of concentration are auditing financial institutions and construction contractors.  Jerry is also in charge of overseeing the public accounting of many small businesses, including financial statement preparation and the preparation of all required federal and state income tax returns.  Jerry has extensive experience in individual taxation.  Jerry is an avid hiker and backpacker. EARL F. SETTLE, CPA Earl is a graduate of the University of Evansville.  His areas of concentration are auditing, small business accounting, computer software/hardware selection and installation.  Earl is also in charge of overseeing the public accounting of many small businesses, including financial statement preparation and the preparation of all required federal and state income tax returns.  Earl has extensive experience in individual taxation.  Earl is an avid basketball, football, soccer and antique and sports car enthusiast. LONNY L. DUS, CPA Lonny’s experience includes twenty-four years of public accounting in income tax and retirement planning and preparation of individual, partnership, corporation, estate, gift, property, state and local tax returns.  He is a graduate of Indiana University.  Lonny has extensive experience in real estate accounting and taxation.  His prior experience includes working as an Internal Revenue Agent. STEPHEN L. REFFETT, CPA Steve’s extensive experience includes individual and corporate taxation.  He is member-in-charge of the audit department, the Natural Resources Group with extensive experience in the construction industry, as well as, business and individual taxation.  Steve is a graduate of the University of Evansville and has taught accounting at the University of Evansville and the University of Southern Indiana.  He has served on the boards and worked with numerous charitable and civic organizations.  Steve and his wife, Madeleine, are the proud parents of three wonderful children. LARRY D. BITTER, CPA Larry has over twenty-one years of public accounting experience focused in the area of tax planning and compliance.  His background includes service in the areas of individual, corporate, partnership, not-for-profit, fiduciary, estate, gift, property, and state and local taxation.  Larry works with individuals and businesses in numerous industries including real estate, construction, health care, law, engineering, retail and manufacturing.  His clients and their operations are located from coast-to-coast across the United States.  Larry is a lifelong Indiana resident and a graduate of the University of Southern Indiana.  Larry also volunteers his time with numerous charitable and civic organizations, including various school boards and youth athletic groups. STEPHEN R. SIMPSON, CPA, MBA, CFP Steve's areas of expertise include corporate, partnership, estate, trust, and gift taxation.  Prior to becoming a public accountant, Steve was sole proprietor of an oil well servicing company specializing in completion of oil wells in the Illinois Basin.  In addition, he was a coal, oil, and gas landman for both major and independent energy companies. Steve holds a Bachelor of Science in Accounting and Finance from Eastern Illinois University and a Master of Business Administration from Southern Illinois University - Edwardsville.  He and his wife, Becky, reside in Evansville.