
SEDA Experts Expands its Capital Markets Practice
New York, NY, May 08, 2025 (GLOBE NEWSWIRE) -- SEDA Experts LLC, a leading expert witness firm providing world-class financial expert witness services, announced today that D. Scott Warman joined the firm as Managing Director.
'Scott Warman has extensive experience as a Treasurer at a leading US financial institution,' said Peter Selman, Managing Partner of SEDA Experts.
Scott Warman is the former Treasurer at M&T Bank with over 30 years of experience in treasury management and financial leadership. Throughout his career, he has played a critical role in strengthening financial soundness, navigating complex market environments, and implementing innovative risk and liquidity management frameworks.
Mr. Warman most recently served as Senior Executive Vice President & Treasurer at M&T Bank, where he was responsible for overseeing asset/liability management, funding and liquidity, investment and derivative portfolio management, and capital markets trading. As a key member of the bank's Operating Committee, he played a pivotal role in shaping M&T's strategic direction and ensuring financial resilience.
During his tenure, Mr. Warman successfully guided the bank through multiple major financial disruptions, including the Great Financial Crisis, the 2020 pandemic, and the 2023 market disruption. Under his leadership, M&T's balance sheet consistently ranked in the top quartile among peers, reflecting his expertise in risk mitigation, balance sheet optimization, and liquidity management.
Beyond his financial expertise, Mr. Warman is a recognized leader in talent development and organizational leadership. He designed and implemented a structured Leadership Development framework within the Treasury Division, accelerating professional growth and fostering a culture of collaboration and influence.
Mr. Warman was actively engaged in both the financial and academic communities. He served as a director and trustee of the University at Buffalo Foundation and was a member of UB's Investment Committee. He had also been an adjunct professor at UB and had twice been invited to lead case studies at Harvard Business School. Additionally, he was a permanent member and former president of the National Asset Liability Management Association (NALMA) and served as President of the Regional Bank Treasurers Group.
About SEDA Experts LLC
SEDA is a leading expert witness firm specializing in financial services. We support international law firms by offering the highest level of expertise across the financial industry and providing access to the most influential financial services industry leaders. We provide superior independent advice, data analytics, valuation, and elite expert reports and testimony services to law firms, regulators, and leading financial institutions.
Name: Damiano Colnago Email: [email protected] Job Title: Managing Partner

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CNET
27 minutes ago
- CNET
T-Mobile's Free Premium iPhone 16 Pro Deal Explained. Learn Exactly How It Works
If you're starting a new cell phone plan, most major mobile carriers require a multiyear commitment, so it's a big decision you need to consider carefully. First think about the plan and provider itself: what's the best coverage in your area and how many lines do you want to add? Next, compare the best mobile phone plan deals to save yourself the most money T-Mobile has some fantastic deals right now you can take advantage of right now that make it a pretty competitive pick -- especially for Apple fans looking to upgrade. T-Mobile's incentives include free lines and streaming services, but one huge highlight is the chance to snag the top-rated iPhone 16 Pro for free. The language on some of these offers can be a little confusing, so we've broken down how T-Mobile's current deals work below. Note that there aren't any set expirations for these offers, so they could vanish at any moment. We wouldn't wait too long if you're hoping to take advantage of these savings. Apple/CNET Free iPhone 16 Pro The premium iPhone 16 Pro is one of the absolute best phones of 2025, but it also comes with a premium $1,000 starting price. So a chance to pick one up for free is a pretty serious bargain. To take advantage of this iPhone deal, you'll need to switch your existing number over from another carrier and activate a new line on an Experience Beyond or Go5G Next plan. This discount will then be applied as bill credits over a 24-month period. See at T-Mobile T-Mobile/CNET Up to $800 to pay off current contracts T-Mobile is offering some serious savings if you're looking to switch carriers. Port in your existing number from a major competitor (including AT&T, Verizon, US Cellular and more) and it will give you up to $800 to help pay off your current device. Though it's important to note that this is a rebate offer, which means you'll have to pay off the phone yourself first, bring in a copy of your most recent bill and then you'll get the cash back in the form of a virtual prepaid MasterCard. This offer is valid for up to four lines. See at T-Mobile T-Mobile/CNET 5-year price guarantee When you're signing a multi-year contract, you'll want to make sure you know exactly what you're getting yourself into. That's why T-Mobile is offering a five-year price guarantee on its Experience More and Experience Beyond plans. This means that the monthly costs for all "on-network talk, text, and 5G data." Though note that select taxes and fees are exempt from this promise. See at T-Mobile T-Mobile/CNET Save 20% on family plans vs. competitors T-Mobile is offering one of the best phone plan deals in the game right now for those adding multiple lines. Those on an Essentials, Experience More or Experience Beyond plan can add a third line completely free. That means you can get coverage for as little as $30 per line per month, which saves you up to 20% compared to similar plans at AT&T or Verizon. The Experience plans also come with tons of other benefits like free streaming services, unlimited texting in over 200 countries, a one-year AAA membership and more. See at T-Mobile Why these deals matter You more or less need a phone with reliable coverage these days, but costs can add up quickly. Whether you're looking to upgrade your mobile device or shopping for the best family plans, these T-Mobile deals can help save you some serious cash each month.
Yahoo
an hour ago
- Yahoo
Top iPhone Deals: Put the Best Phone of 2025 in Your Pocket for Free
From the budget-friendly iPhone SE to the cutting-edge iPhone 16 Pro Max, there's an iPhone out there for every need and budget. But no matter which model you're looking to get your hands on, there's a good chance you can pick it up for less if you know where to look. Carriers and retailers are almost always offering some serious savings in the form of trade-in offers and new line discounts, and we've broken down some of the best bargains available below. CNET's Adam Oram has spent years tracking down and sharing the best deals from across the internet to help shoppers get the best savings, and he's found the latest iPhone offers to help you get your preferred model at a competitive price. You'll find solid discounts on premium models like the feature-packed iPhone 16 Pro Max, alongside offers on more affordable options like the new iPhone 16E. Some carriers still offer devices at no cost if you qualify. Keep in mind that direct discounts are relatively scarce and most offers listed will require either trading in a device or activating a line. Most deals also require a commitment to a 24- or 36-month contract. Below you'll find the best deals on the iPhone 16, iPhone 16E, iPhone 15, iPhone 14, iPhone 13 and iPhone SE 2022, grouped by generation. Hey, did you know? CNET Deals texts are free, easy and save you money. There are a lot of savings to be had on all the models in Apple's latest iPhone 16 lineup, including carrier deals that can nab you the device free if you have an older device to turn in. Trading in your old phone at Apple could save you up to $650 on any iPhone 16 model. Previous-gen iPhones will net the biggest discount but Apple also accepts devices from Samsung, Google and OnePlus. You'll also get 3% cash back if you buy it with your Apple Card*. If you let Apple connect you to a carrier, you could save up to $1,000 in trade-in credit. See at Apple T-Mobile is offering many trade-ins and new-line discounts on the iPhone 16 series. Exchanging your old phone will save you up to $1,000 if you have an Experience Beyond or Go5G Next plan, which scores you the basic iPhone 16, 16 Plus or 16 Pro free. People on an Experience More or Go5G Plus plan can get up to $830 off when they trade in an old device, which still scores you a free basic iPhone 16. Those on most other plans will get up to $300. T-Mobile is also offering savings when you switch your number over from another eligible carrier. Switching to an Experience Beyond or Go5G Next plan will save you $1,000 and an Experience More or Go5G Plus plan will save you $830. You can also save $830 with a new line and a trade-in. There also are special offers for military members, first responders and folks older than 55. See at T-Mobile AT&T is offering some serious trade-in savings at the moment. You'll get $1,000 off for phones valued at $290 or more, $830 off for phones valued at $130 or more and even phones valued at just $35 will still score $350 in trade-in credit. Note that you must switch to an eligible unlimited plan to get these offers and the discount will be applied as bill credits over 36 months. AT&T is also offering a special online-only offer of $200 off with the activation of a line. See at AT&T Adding a new line on a qualifying unlimited plan at Verizon will save you $830 on the basic iPhone, $930 on the iPhone 16 Plus, $1,000 on the iPhone 16 Pro and $1,200 on the iPhone 16 Pro Max, which means you can get all four models free right now. You can also get up to $1,000 off with a new line and an eligible trade-in. Discounts are applied as bill credits over 36 months. See at Verizon Best Buy isn't carrying any unlocked iPhone 16 models right now but is offering some savings through AT&T or Verizon. AT&T customers can save up to $830 on the basic iPhone 16 or up to $1,000 on the 16 Pro and Pro Max models with a trade-in and qualified activation. If you're a Verizon customer, an eligible trade-in and qualified activation could save you up to $930 on the basic 16 and 16 Plus or $1,000 on the 16 Pro and Pro Max. See at Best Buy Target is offering up to $830 off the basic iPhone 16 and 16 Plus or $1,000 off the iPhone 16 Pro and 16 Pro Max with an eligible trade-in. Just note that you'll have to visit your local Target store in person and sign up with AT&T to take advantage of these offers See at Target The new budget-friendly iPhone 16E is now available and there are plenty of iPhone 16E deals for those wanting to save on Apple's newest member of the family. When you trade in an eligible device, Apple offers savings on the new iPhone 16E. Trading in an old phone could save you up to $650, which can potentially score you the basic 128GB model free. However, that discount is only available if you're trading in the iPhone 15 Pro Max, which would be a bit of a downgrade. For the iPhone 14 series, the most you'll save is $460, which is still a solid deal for this affordable model. Note that the older your phone is, the less you will potentially receive for a trade-in device. Apple phones also earn more than Samsung or Pixel devices. See at Apple If you order the iPhone 16E at Best Buy and sign up with a carrier, there are ways to save. A qualified activation with Verizon and a trade-in of your old or damaged phone will save you up to $600. If you're an AT&T customer, a qualified activation on an eligible unlimited installment plan can save you up to $384, which drops the starting price to just $6 per month. Discounts will be delivered via bill credits over 36 months. See at Best Buy Customers can order the new iPhone 16E at T-Mobile and there are a few ways to save. If you're trading in an old phone, you can get it free if you're on an Experience More, Experience Beyond, Go5G Plus or Go5G Next plan, while those on most other plans will save up to $300. Adding a line on most plans will save you $240, which reduces the price to $15 per month. You can also get it free with a new line and a trade-in or when you switch your number from another carrier. There are also several special offers for military members, first responders and people 55 and older. See at T-Mobile Verizon is offering $420 off the iPhone 16E when you sign up for a line on the Unlimited Welcome, Plus or Ultimate plan, which drops the price down to $5 per month. You can also save up to $600 with an eligible trade-in and activation of a new unlimited line, which scores you the 128GB model free. See at Verizon AT&T is offering up to $384 off the iPhone 16E when you purchase it on an installment plan, as long as you have (or switch to) an eligible unlimited plan. That reduces the starting price to just $6 per month with no trade-in required. You'll receive the discount via 36 monthly bill credits. See at AT&T US Cellular is offering many ways to save on the iPhone 16E. Activating a line or account on a qualifying line will save you up to $830, which scores you the 128GB or 256GB model free. You can also get the 512GB model free with a new line and an eligible trade-in. US Cellular is also offering $350 off with a new prepaid line and the port-in of an existing number, which drops the starting price to $250. See at US Cellular Order your iPhone 16E at Boost Mobile and sign up for the Unlimited Premium plan ($60 a month), and you can snag a new iPhone for as little as $300. You can also pay full price for the phone upfront, which gets you a free year of service. See at Boost Mobile You can order the iPhone 16E from Walmart for $549 or a little more than $15 per month for 36 months with an eligible activation with AT&T. See at Walmart The iPhone 15 series hit shelves in September 2023. And although the phones in this lineup are a generation old, they still have plenty to offer, with the basic model even retaining a spot on our list of the best phones. Plus, it's pretty easy to get your hands on one of these previous-gen models for less right now, which makes them a good value for Apple users on a budget. Apple isn't offering any direct discounts on the iPhone 15 series at the moment but it has a trade-in program that can save you hundreds on a new iPhone 15. Technically, you can save up to $650 but that's only if you're trading in another iPhone 15, which is an unlikely scenario. For the iPhone 14 series and older, the most you'll save is $460. The iPhone Upgrade Program or Apple Card financing (and cash back) are also options. See at Apple AT&T is offering discounts in the form of monthly bill credits when you buy a new iPhone 15 on an installment plan. People who have or switch to an eligible unlimited plan can get the basic iPhone 15 for just $8 per month, which is $442 off the usual price. This offer also knocks $384 off the price of the iPhone 15 Pro Max, which drops it to just $21 per month. The iPhone 15 Pro is also discounted but only the 1TB model is still in stock, which is available for $31 per month. At the moment, there aren't any discounts available on the iPhone 15 Plus. See at AT&T Adding a line on an Unlimited Welcome, Plus or Ultimate plan gets you the iPhone 15 or 15 Plus free, with no trade-in required. These discounts are applied in the form of monthly bill credits over 36 months. The iPhone 15 Pro and Pro Max are currently sold out. See at Verizon The iPhone 15 Pro is sold out at T-Mobile, but there are plenty of ways to score some savings on the other models. Trading in an old phone will save you up to $1,000 if you're on an Experience Beyond or Go5G Next plan, which will net you the basic iPhone 15 or 15 Plus free. If you're on an Experience More or Go5G Plus plan, you can save up to $830 with an eligible trade-in, which still gets you the basic iPhone 15 or 15 Plus free. Those on other eligible rate plans will only save up to $300 with an eligible trade-in. You can also get it free with a trade-in and the activation of a line. T-Mobile even offers a discount of $630 when you switch your existing number over from another carrier. And military members, first responders and people older than 55 can take advantage of special offers for up to $800 off. See at T-Mobile Best Buy isn't offering any direct discounts at the moment but the retailer has a trade-in program where you can exchange your old phone for savings. You can also save an extra $100 if you connect your phone to a carrier. And all iPhone 15 purchases come with some freebies, including two free months of Apple TV Plus and three free months of Apple Fitness Plus, Apple Music and Apple Arcade -- as long as you're a new or returning subscriber. See at Best Buy The iPhone 14 series is still a popular line of phones and comprises the iPhone 14, iPhone 14 Plus, iPhone 14 Pro and top-spec iPhone 14 Pro Max. Apple discontinued the 14 Pro and 14 Pro Max in September 2023 so finding these phones in new condition is getting tougher but they're still a solid value when you can find them in stock and on sale. Only the basic iPhone 14 is still available at T-Mobile. You can snag one free with an eligible trade-in, as long as you're on an Experience Beyond or Go5G Next plan. Those on other eligible rate plans can save up to $300 with a trade-in. You can also get it free with a new line and trade-in, or when you switch your number over from another carrier. If you're only activating a new line on a qualifying plan, you'll still save 50% (up to $315). T-Mobile also has exclusive offers for military members, first responders and people older than 55. See at T-Mobile AT&T isn't offering any direct discounts or special offers on the iPhone 14 right now, but you can save with an eligible trade-in. You'll also save $200 on a line when you set it up online. AT&T is also offering $100 off when you buy a connected device with a separate line, including a pair of Ray-Ban Meta glasses. If you switch over to AT&T, the carrier will give you up to $800 to break your contract with your current phone service provider. See at AT&T Add a line on an Unlimited Welcome, Plus or Ultimate plan and you can get the iPhone 14 or 14 Plus free at Verizon. The discount comes in bill credits over 36 months and there's no trade-in required. Note that Verizon is only carrying certified refurbished models of the iPhone 14 Pro and Pro Max, although you can still pick them up at a discount with a new line. See at Verizon Best Buy isn't offering any discounts on the iPhone 14. However, the retailer has its own trade-in program where you can score extra savings of up to $330 in exchange for your old phone. You can also save an extra $100 if you let Best Buy help you connect your phone to a carrier. Best Buy isn't carrying any new 14 Pro or Pro Max phones, although it does have some refurbished models. See at Best Buy The iPhone 13 may not be Apple's flagship series anymore but these are still solid phones worth considering -- especially for folks on a tight budget. Like the iPhone 14 series, these 2021 models are getting pretty tough to find in new condition and there are no active deals right now. If the new $599 iPhone 16E is a little outside your budget, don't worry. You can still find the even more affordable iPhone SE, which was updated in 2022. You can grab it for as low as $149 if you get it prepaid from Straight Talk or free when you switch your number over to Total Wireless. With this discount, it's the most affordable iPhone on the shelves right now, although it's getting pretty tough to find it in stock. Many of us here at CNET have covered deals on top tech for more than five years, including cell phone deals from brands like Apple, Google, OnePlus and Samsung. In that time, we've learned how to spot the best deals from trustworthy retailers and carriers to simplify the phone-buying process. We look for direct discounts, trade-in offers and other bonuses offered for unlocked and carrier phones when choosing the best deals for you to score the best deal and avoid online shopping scams. *All information about the Apple Card has been collected independently by CNET and has not been reviewed by the issuer.


USA Today
4 hours ago
- USA Today
Summer kicks off with a new corporate perk aimed to ease employees' stress
Summer kicks off with a new corporate perk aimed to ease employees' stress Companies looking to ease employees' stress over the summer are offering a new perk -- discounted summer camp and childcare. Show Caption Hide Caption More men are becoming family caregivers Men face a unique set of challenges when it comes to stepping into the role of a caregiver. Kids might be excited about the end of the school year and for summer to begin, but many working parents who don't know how to fill their kids' long summer days may be feeling some dread right about now. AT&T is trying to change that. The third largest U.S. wireless carrier is launching an onsite summer camp at its Dallas, Texas, headquarters in June to give its employees more convenient options for reliable childcare during the school break. Childcare outranked any other perk including mental health support, paid maternity/paternity leave and tuition reimbursements as a benefit employers aimed to offer their workers last year, according to a survey of corporate-suite and human resource leaders. One in 5 employees said they had left a job because their employer didn't provide family care benefits, and a lack of childcare benefits topped the list of reasons they sought another job. 'The summer camp was in response to specific asks and pain points our employees had,' said Matt Phillips, AT&T assistant vice president of benefits. But childcare isn't the only caregiving people ask for nowadays, he said. People want help caring for every important person, or sometimes pet, in their lives, he said. What's different about summer? 'When planning vacations and summer activities, there may be days sporadically that fall throughout the summer when people need some childcare,' Phillips said. To help ease worries of what to do with kids on those days, AT&T employees can register their children ages 4-12 for the 10-week onsite camp that runs weekdays from 8 a.m. to 6 p.m. Families have the flexibility to book one or multiple days whenever they'd like throughout the summer. There's no weekly sessions or commitments required. If employees use their backup care benefits, a day of camp would cost $15 for one child or $25 for two or more children. AT&T backup care allow workers up to 10 days of subsidized childcare if their primary care option is unavailable, and they can't take time off. They can choose center care for $15 per day or in-home care with a Bright Horizons caregiver for $4 an hour. Bright Horizons runs childcare centers and early education services nationwide. Additional days of summer camp can be bought at a discounted rate. Tell us: The caregiving crisis is real. USA TODAY wants to hear from you about how to solve it. What are other types of caregiving? Caregiving has typically meant childcare, but the COVID-19 pandemic, an aging population and rising costs have expanded the definition to include siblings, parents, grandparents and even pets. Gen Z through Gen X and even some of the youngest members of the Baby Boomers who expect to retire soon are demanding personalized benefits beyond retirement funds, salary and vacation days. Job seekers, even those fresh out of school, now have a 'holistic outlook,' said Blayre Riley, 22. 'We're not just looking at salary.' Riley doesn't have kids, but she has a 6-year-old kid brother. Her job benefits allow her to use so-called caregiver days, which are paid hours she can use to take care of a sick friend, relative or other loved one or take them to appointments, for example. With these benefits, if her little brother 'has a class party, I can go in the morning and come back to work in the afternoon, and it doesn't feel like a burden to my team,' Riley said. 'Or if he has a day off school and my parents work, I can spend time with him.' 'My dad always talks about when I was younger, his job didn't have this flexibility and when my mom was sick, he couldn't take her to doctor's appointments,' she added. 'Now, my job has it, and it can exist for everyone.' Education help: College applications are stressful. Here's how more companies are helping. New perks: Some workers are job hopping for fertility benefits. Employers are trying to keep up. What's at stake? The lack of available childcare alone costs the economy $122 billion every year, according to a 2023 study from the bipartisan Council for a Strong America. Yet, just 12% of all U.S. workers have access to childcare benefits through their employer, and only 6% of those who work part-time or in the lowest income quartile do, according to a Boston Consulting Group study published last year. Family caregivers ages 50 and older who leave the workforce to care for a parent lost $303,880, on average, in income and benefits over a caregiver's lifetime, according to a 2016 Families Caring for an Aging America study. The breakdown was as follows: $115,900 in lost wages, $137,980 in lost Social Security benefits, and conservatively $50,000 in lost pension benefits. Still, only 13% of companies offer eldercare referral services, and just 1% of companies offer employees subsidies for eldercare, according to SHRM's 2024 Employee Benefits Survey. Lack of support leads to caregiver burnout. Half of caregivers said caregiving increased their level of emotional stress, while 37% said it impacted their physical feelings of stress according to a 2023 AARP survey. What can companies do? Companies 'must address new needs, particularly around things like caregiving benefits, absence and leave benefits, and wellness benefits in all forms, as well as personalizing/customizing benefits to keep their workers happy,' said Bryan Hodgens, head of research at Life Insurance Management Research Association, or LIMRA, in a report. Comprehensive caregiving benefits like flexible work arrangements, paid leave, financial support, and access to education, consultations, resources, and digital caregiving platforms can improve workers' wellbeing and boost businesses. BCG found that childcare benefits alone deliver returns of up to 425% of their cost for companies across the U.S. Aside from caregiving, it's imperative companies also offer employees opportunities for self-care. Healthier habits help keep healthcare costs down for both employees and employers. AT&T, for example, offers a Wellbeing Choice Account to reward employees for healthy habits. Employees and their partners or spouses can each earn up to $750 annually for completing wellness activities like getting their annual physical. They can then use that money to go towards fitness classes, an exercise bike, student loan repayment, massages and facials, and healthy meal kits. 'It's like free money because you're getting paid to do things you should be doing anyway,' said Ryan Stafford, an AT&T employee who used his rewards to buy a nicer bike than he would have been able to afford. 'l had no guilt spending a little more,' he said. Medora Lee is a money, markets, and personal finance reporter at USA TODAY. You can reach her at mjlee@ and subscribe to our free Daily Money newsletter for personal finance tips and business news every Monday through Friday.