Ralph Bessard Jr., a passionate leader throughout his life, was born to Christine Johnson Bessard and Ralph Bessard Sr. in Fresno, California.  After an amicable divorce, Ralph’s mother relocated to the bay area where she raised Ralph and his brother as single parent. With family ties in the south, Bessard’s mother instilled ole’ school traditional values such as honesty, integrity, family ties, respect and sensitivity towards others and the spirit to never quit.

After graduation from high school, Ralph moved to Los Angeles County to attend college.  He poured himself into his work, which allowed him to develop his leadership, business and program implementation abilities. While still in college, Ralph was hired by the City of Agoura Hills (Los Angeles County) to head up the youth outreach division.  He emerged as a highly regarded leader within Los Angeles/Ventura County for his outstanding work developing city projects and implementing successful youth programs. Recognizing his accomplishments, the county officials placed him in charge of discovering innovative, creative and effective solutions for the growing underprivileged and unemployed youth. During his tenure with Los Angeles and Ventura County, Ralph developed multiple programs and initiatives that are still in place today.  His dedication helped to make the Conejo Valley’s young adult unemployment rate one of the nation’s lowest.

Ralph has a proven track record of devotion to helping the community through innovative and practical business solutions.  His business acumen and successful programs in community engagement caught the attention of another business-minded and generous individual, his wife of more than 20 years, Angela Setters-Bessard. Together, they founded the very successful Calabasas-California based Conquer Credit Management, Inc. Over the past 25 years, the business has received numerous awards from the business community and has an outstanding reputation of excellence throughout the state of California. As a leader and co- founder of the business, Ralph used his strong interpersonal relationship training and skills to develop the company’s customer service policies as well as the client quality assurance models. His passion for excellence in business practices has helped the business emerge as one of the leading firms in the Los Angeles-area, specializing in credit management and financial excellence.

While Ralph is grateful for the success and growth of the family business, he continues to be concerned about using his talents to help others within the community. He followed his heart and began studying the word of God with the same dedication that he once poured into Los Angeles/Ventura County’s underserved-population and the family business.  His initial formal experience with the work of the Church was with God’s Grace Covenant Church in Northridge, California. During his time with the church, he served the Lord in many roles and became a senior Minister and Chairman of the Board.

Devoting his time and energy to the Lord’s work, Ralph continued his journey to share the gospel acquiring formal training.  He enrolled in and graduated from the King’s Seminary and Bible College in Van Nuys, California with a Masters of Divinity degree. During the time that he was pursuing the degree, he was moved to found Crossover Ministries in Sherman Oaks, California. Over several years, he served as Senior Pastor where he touched many lives.  Ralph currently serves at Calvary Community Church in Westlake Village, California as the Senior Discipleship Instructor in the “Discover My Mission & Ministry Course,” where he continues to strive to…

Build the church 

Engage the Community with love

Change the world by transforming lives

Ralph and his wife Angela live in Woodland Hills, Ca where they love the community and cherish moments spent with their three children Jordan, Justin, and Julian.

Known as a pioneer in the Credit Industry, Angela Setters Bessard is the Founder and CEO of Conquer Credit Management, Inc. Since starting her first business over twenty-five years ago as a consultant, Angela is now changing lives with her relentless dedication to helping people understand how to manage their credit and use it as tool to create wealth and sustain financial stability. Working solely through referrals and trusted advisors, Conquer Credit Management, Inc. has long been a prominent credit management agency in the Credit and Financial Industries. Angela has been a credit consultant to professional athletes, celebrities, high net worth individuals and several Fortune 100-500 companies, and her referral list continues to grow.

Angela started in the financial industry as a mortgage underwriter. It was then that she identified a specific niche where people desperately needed help: understanding and managing credit worthiness. Angela knew this was the key for many people to achieve their financial goals and dreams. Out of that need, Angela started her journey to counsel consumers. These individuals would later become clients of her first entrepreneurial outreach as an educator. Angela’s goal has always been to teach her clients to be better stewards of their credit, which ultimately makes a difference in their long-term financial health and stability.

Ever innovative, Angela has been an advocate for many nonprofit organizations where she has had the opportunity to educate consumers. Kids Club USA, Valley Rescue Mission, and The Fellowship of Inmates as well as at risk teens and college students, several California church organizations, transitional living homes and battered woman’s shelters are some of the organizations that have benefitted from Angela’s education and support. Angela is also a popular and influential speaker who participates in monthly engagements where she shares her unique insights and expertise on credit management with some of the world’s major financial firms. California Association of Mortgage Brokers, California Association of CPA’s, World Savings Bank, Wells Fargo, Coldwell Banker, Sotheby’s, Keller Williams, PNG Corporate, Mastermind Corporate, Merrill Lynch, Bank of America as well as The Empowered Women’s Network, the National Association of Women in Business, several Rotary Clubs and Chambers of Commerce are just a few of the companies and organizations to which Angela has lent her expertise. Her interactive and witty presentations are full of useful and educational content. Attendees often come out of their seats with excitement as they begin to understand how they can use credit to move their companies forward in addition to helping their customers reach their financial goals.

In addition to running a successful company and contributing her support to many charitable causes, Angela is a dedicated wife and mother raising three sons, Justin, Jordan, and Julian, all while being integrally involved in Crossover Ministries where her husband, Ralph, serves as the Senior Pastor and founder. There’s never a dull moment in Angela’s day, and she thrives on the excitement. In everything she does, she’s helping people improve their lives and reach their dreams, and nothing gives Angela greater satisfaction. As Angela puts it, “I’m living MY dream.”

Dr. Irving Pressley McPhail is Founder and Chief Strategist at The McPhail Group LLC. Previous executive leadership experiences include President & CEO of National Action Council for Minorities in Engineering, Inc. (NACME), Founding Chancellor of The Community College of Baltimore County (CCBC), President of St. Louis Community College at Florissant Valley, President of LeMoyne-Owen College, and Chief Operating Officer of the Baltimore City Public Schools. He served  as a tenured, full professor and visiting professor at several colleges and universities. He is currently a Clinical Professor in the Community College Leadership Doctoral Program (CCLDP) at National American University (NAU). Born and raised in Harlem, New York,  Dr. McPhail is an alum of Stuyvesant High School. He earned the B.S. degree in Development Sociology at Cornell University and  the M.A.T. degree in Reading at the Harvard Graduate School of Education. He received the Ed.D. degree in Reading/Language Arts at the University of Pennsylvania as a National Fellowships Fund Fellow. Dr. McPhail was awarded the Doctor of Humane Letters, Honoris Causa, at the New Jersey Institute of Technology, and the Doctor of Engineering, Honoris Causa, at the Polytechnic Institute of New York University. He completed the Presidents Academy of the American Association of Community Colleges (AACC), and the Institute for Educational Management (IEM) at Harvard University.  A lifelong educator, researcher,  and advocate, Dr. McPhail's career has demonstrated a firm and consistent commitment to advancing diversity, equity and inclusion (D/E/I) for African American and other marginalized students of color. A scholar/CEO, Dr. McPhail is co-editor of Teaching African American Learners to Read: Perspectives and Practices, and the author of more than 60 juried journal articles, book chapters, technical reports and monographs, and newspaper/magazine articles.

Christine Johnson McPhail is the President of The McPhail Group LLC (http://www.themcphailgroup.com), a higher education consulting firm dedicated to realizing the potential of individuals and organizations. In this capacity, she serves as a Leadership Coach for over a dozen Achieving the Dream institutions in eight different states. She is a certified trainer with Emergenetics International, an organizational development consulting company. McPhail is Emerita Professor of higher education and founder of the Community College Leadership Doctoral Program at Morgan State University (MD); former President and Chief Instructional Officer at Cypress College in southern California.

Dr. McPhail has served on boards for national organizations including the Gates Foundation’s Completion by Design National Advisory Committee; the Future President’s Institute sponsored by the American Association of Community Colleges (AACC); Board of Directors for the American Association of Community Colleges (AACC ); National Advisory Council for the Community College Survey of Student Engagement (CCSSE); Advisory Committee for the  National Center for Postsecondary Research (NCPR) at the Community College Research Center at Columbia Teachers College (CCRC); the Council for the Study of Community Colleges (CSCC); Affirmative Action Officer, Division J, American Education Research Association (AERA); and the Editorial Board for the Community College Journal of Research and Practice. Currently she serves on the National Advisory Board for the Doctor of Education in Community College Leadership program at Roueche Graduate Center, National American University.

She is the author and coauthor of numerous articles and books including From Tall to Matrix: Redefining Organizational Structures (Change: The Magazine of Higher Learning, August 2016); Establishing and Sustaining Learning Centered Community Colleges (an AACC best-selling publication); Fighting the Execution Gap Syndrome: Real Strategies for Student Success (2015); A Case for Grow-Your-Own (2014); Leave the Cave: Professional Development to Improve Student Success (2013); Illuminating the Experiences of African-American Female Community College Students in Developmental Education (2011); Bringing Teaching and Learning to the Board Room: A Professional Development Framework (2011); and Transforming Classroom Practice for African American Learners: Implications for the Learning Paradigm, (co-authored with her husband, Irving Pressley McPhail), which won the 2000 Research Award from the Maryland Association for Adult, Community and Continuing Education. Her most recent publication, Practical Leadership in Community Colleges: Navigating Today’s Challenges, (co-authored with Dr. George R. Boggs) was released in July 2016.

Dr. McPhail has received several awards, including the 2010 American Association of Community College’s (AACC) National Leadership Award and the 2008 League for Innovation in the Community College’s Terry O’Banion’s Leadership Award.  Dr. McPhail’s research interests lie in the interaction of three fields of higher education: leadership development, governance, and teaching and learning.

Oakland native and Skyline High School graduate, Kymm Wilson has worked within "the corporate world" for over 15 years. He has experienced the tuff times at the workplace, but has been able to thrive in diverse and difficult settings. Kymm is also a basketball coach and teaches how to manage and maximize your performance. He specializes on how to alter thought processes that help you dominate though execution.

Kymm has a way of delivering a message that is easy to understand, direct, and cuts right to the point. Kymm works well within small groups and as well as large audiences. His speaking style is suited for the young adult inner-city youth that brings a realistic view of what it takes to succeed without “selling out”. Kymm has street credibility, speaks in street vernacular, and relates well with today’s issues, but is able to deliver a message in a clean, concise and powerful format. From street cred to college cred to corporate cred, Kymm has excelled to the top.

Kymm also has a radio/ Tv show called Ground Level Perspective known as "the professional homie " started out as a podcast and now on Fm radio kgpc 96.9 fm in Oakland Ca

Kymm has been blessed with two sons K.J, Kaleb and Kharma . He holds a B.A in Business Administration from Clark University in Atlanta . He currently works in business development consultant. He has won several sales awards and recognition from PhD graduates as a true motivator.