Leadership Team

Curt W. Henderson


President & Treasurer

Curt Henderson is a business leader with expertise in finance, accounting and business analysis.  He has a diversified finance background with experience in strategic planning, forecasts, budgets, capital assets, grant management, banking, accounts payable, accounts receivable, general ledger and payroll.  Prior to Bright Horizons, Mr. Henderson has over seven years finance management experience including most recently in the consumer financial services industry.  He is in the process of becoming a Certified Financial Planner™.

Mr. Henderson earned a Bachelor of Science degree in Financial Management from Clemson University and a Masters in Business Administration from Florida Southern College.  He is also a licensed CPA in the state of Florida.

Chris W. Henningsen

Chris Bio Photo2


Chris Henningsen is a business executive with expertise in business management, sales, marketing and information technology.  Prior to joining Bright Horizons he was in management at high technology companies Intellon, Primarion, Intersil, Harris Semiconductor and Analog Devices.  He has been a member of the executive leadership team for two successful IPO’s, two successful start-ups, and has been directly involved in numerous merger and acquisition projects ranging in size from $5 million to $1.4 billion.  Mr. Henningsen has a proven ability to create revenue growth as evidenced by helping take wireless LAN (Wi-Fi) revenue at Harris Semiconductor from zero to $250 million per year and doubling powerline networking revenue at Intellon from $35 million to $75 million per year.

Mr. Henningsen earned a Bachelor of Science degree in physics from the University of Vermont and a Masters in Business Administration and Marketing from Columbia Pacific University.  He has also completed executive programs at the Kellogg School of Management at Northwestern University, the Stephen M. Ross School of Business at the University of Michigan, and the California Institute of Technology (Caltech).

Board of Directors

Lonnie Ritzer, Esquire


Lonnie Ritzer is a business lawyer concentrating in tax law, partnership and corporate laws, real estate law, and financing transactions. Prior to joining Shapiro Sher & Guinot in 1987, Mr. Ritzer was a partner in the Baltimore firm of Gordon, Feinblatt, Rothman, Hoffberger, & Hollander, LLC, where he specialized in tax law. He serves on committees of the Bar Association of Baltimore City (Tax and Public Education), the Maryland State Bar Association (Transactional Tax and State Study Groups), and the Tax Section of the American Bar Association.

Mr. Ritzer is a past President of the Baltimore Association of Tax Counsels, and has authored articles in various periodicals including the Journal of Taxation and the Maryland Bar Journal. From 1987 until 1992, he participated as a panelist in an annual seminar on Maryland Sales and Use Tax, and he has also guest lectured at the University of Baltimore School of Law. From 1991 to 1992, Mr. Ritzer helped draft the Maryland Limited Liability Company Act, and is co-author of a book as well as a frequent lecturer on that subject.

Mr. Ritzer earned his J.D., with honors, from the University of Maryland School of Law, where he was elected to The Order of the Coif, an honor society for U.S. law school graduates. He received his B.S., summa cum laude, from Brooklyn College of the City University of New York. Mr. Ritzer is a member of the Maryland Bar and is admitted to practice before both the United States District Court of Maryland and the United States Tax Court.

Dara Duguay

Dara- Head Shot

Ms. Duguay is the executive director of Credit Builders Alliance, a non-profit organization creating innovative solutions to help non-traditional financial and asset building institutions serving low and moderate income individuals build client credit and financial access in order to grow their businesses and/or personal assets.  She is considered a national expert on personal finance, appearing regularly on national television and radio networks, giving interviews, and conducting a monthly segment for Clear Channel called “Financial Fitness.” Ms. Duguay served as the first executive director for the nonprofit Jump $tart Coalition for Personal Financial Literacy and also has authored three critically acclaimed personal finance books, The Citi Commonsense Money Guide for Real People; Please Send Money: A Financial Survival Guide for Young Adults on Their Own; and, Don’t Spend Your Raise: And 59 Other Money Rules You Can’t Afford to Break.

Ms. Duguay has served as the director of education for the Consumer Credit Counseling Services (CCCS) of Los Angeles and was a professor at the University of Phoenix and California State University. She is an accomplished speaker with hundreds of presentations before audiences like the G8 summit in Moscow on Financial Literacy; the European Commission’s Summit on Financial Capacity; and the National Association of State Treasurers, among others. Among her many accomplishments, Ms. Duguay has received the Medal of Merit from the U.S. Treasury Savings Bond Volunteer Committee. She has served as a consultant to companies such as JP Morgan Chase, Visa, Experian and Sun Trust.

Ms. Duguay received her B.A. in Communications from the University of Michigan, and her M.A. in International Relations from Schiller University in Paris, France.