Social Security (Law / Disability) Expert Witnesses: 2

Dr. Christopher A. Lowery, DHSc, CLCP, is an international Clinical Health Practitioner with a special interest in global health initiatives. He is board-certified as a life care planner practitioner specializing in health promotion and prevention through the use of holistic, evidence-based approaches using a biopsychosocial health consultation model and the Universal Neurodiversity Continuum (UNC) Model™ across all individuals.

The UNC Model™ established in 2025 by Dr. Lowery, which is a continuum-based approach that views human thinking, behavior, and mental health as naturally vary across individuals, focusing on personalized support rather than fixed labels.

Dr. Lowery passion has been to educate, empower, and provide hope to individuals with catastrophic health impairments. He focuses on educating and counseling individuals on improving their quality of life, addressing social, cultural, and behavioral barriers across diverse populations impacted by poor healthcare conditions. 

He currently holds the following degrees: Bachelor of Science in rehabilitation studies from University of North Texas (07), Master of Arts in human and health administration services from University of Oklahoma (10), Post-Specialty Certificate in life care planning from Capital University Law School (12), Post-Master's Certificate in rehabilitation counseling from University of Arkansas at Little Rock (14), and Doctor of Health Science in global health from Nova Southeastern University (16).

Dr. Lowery holds a board certification in life care planning as a Certified Life Care Planner (CLCP) from the International Commission on Health Care Certification (ICHCC), which is accredited and recognized by the American National Standards Institute National Accreditation Board (ANAB). This prestigious certification attests to his qualifications and competence in healthcare delivery systems. ANAB’s accreditation ensures that the certification process meets rigorous international standards, confirming his aptitude and expertise for his role as a practitioner.

**If you have a case needing Dr. Lowery's expertise, please feel free to call his office for a free consultation.

Note: Please see below our website for more areas of expertise. 

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View Christopher Lowery's Consulting Profile.

Marguerita M. Cheng, CFP®, CRPC®, RICP®, Chief Executive Officer at Blue Ocean Global Wealth, is a Certified Financial Planning Expert with 18 years of experience. Prior to co-founding Blue Ocean Global Wealth, she was a Financial Advisor at Ameriprise Financial and an Analyst and Editor at Towa Securities in Tokyo, Japan. Ms. Cheng is a past spokesperson for the AARP Financial Freedom Campaign and a regular columnist for Investopedia & Kiplinger. She is a CFP® professional, a Chartered Retirement Planning CounselorSM, a Retirement Income Certified Professional® and a Certified Divorce Financial Analyst. As a Certified Financial Planner Board of Standards (CFP Board) Ambassador, Ms. Cheng helps educate the public, policymakers, and media about the benefits of competent, ethical financial planning. She served on the Financial Planning Association (FPA) National Board of Directors from 2013 – 2015 and is a past president of the Financial Planning Association of the National Capital Area (FPA NCA). 

Marguerita Cheng CNBC Interview on Social Security 

Awards and Honors - Ms. Cheng is a recipient of the Ameriprise Financial Presidential Award for Quality of Advice and the prestigious Japanese Monbukagakusho Scholarship. In 2017, she was named the #3 Most Influential Financial Advisor in the Investopedia Top 100, a Woman to Watch by InvestmentNews, and a Top 100 Minority Business Enterprise (MBE®) by the Capital Region Minority Supplier Development Council (CRMSDC).

Litigation Support - Ms. Cheng serves as a Women’s Initiative (WIN) Advocate and subject matter expert for CFP Board, contributing to the development of examination questions for the CFP® Certification Examination. She also volunteers for CFP Board Disciplinary and Ethics Commission (DEC) hearings. Services to attorneys representing plaintiff and defendant include financial due diligence, thorough reporting, depositions, and trial testimony as needed.

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