Our Founder

Michael A. Liberty – Founder

Mr. Liberty has more than 35 years of expertise in a wide variety of industries that include real estate, manufacturing, retail merchandising, telecommunications, hospitality and entertainment. In 1985, Mr. Liberty was nominated by President Ronald Reagan as one of the Outstanding Young Men of America. As an early adopter of the Internet, and an even more passionate pioneer and advocate of mobile technology, Mr. Liberty started one of the first mobile focused technology businesses in 1997. This company was the genesis of the mobile payments company that evolved to become Mozido® today. In 2007, Mozido became the first company in the United States to launch a mobile wallet under the Trumpet Mobile brand. As a result of Mr. Liberty’s early leadership and recognition of multi-channel service possibilities, Mozido is recognized as a pioneer and leader in mobile payment processing, as well as mobile and multi-channel financial services. As founder of Mozido, Mr. Liberty created a global mobile payments platform provider partnering with some of the foremost institutions around the world that is in the process of unlocking financial freedom for roughly 2 billion people. Mozido’s secure, cloud-based technology delivers payments and mLoyalty solutions to companies in retail, financial services, consumer packaged goods and telecom that serve both banked and unbanked consumers via the mobile phone. In addition to Mozido, Mr. Liberty has always been an unwavering advocate of the socially and financially disenfranchised. He founded American Housing Preservation Corporation to provide affordable housing across the country and the mission of Mr. Liberty’s charitable foundation – The Liberty Family Foundation – is to enrich lives globally through servant leadership.


Family Participants

Adriana M. Liberty-Day – Program Director LFF, is a graduate of Peace College in Raleigh, North Carolina. Adriana is a philanthropist and passionate owner, manager (with her husband Spencer Day)  of a Morgan show horse training facility in Gray, Me called Lake Front Farm .   Adriana has devoted much of her life to her equestrienne career and as a result, has achieved multiple regional, national and world championship titles with Morgan show horses since 2002.

Adriana first began her volunteer work at Redbank Child Development Center in South Portland, Maine, as a helper in the toddler room. Adriana continued her volunteer work while in college at the Rosa Parks Center in Fulton Missouri, home of youth female correctional offenders; where she mentored two of their residents. After her work in Missouri, she traveled to Ethiopia for a five week volunteer term with Projects Abroad. During her stay in Ethiopia she worked at the Enat Alem Orphanage in Addis Ababa where she aided in the general care of the children and read children’s books to the older children in English.

George M. Liberty – Program Director LFF,  from his earliest years, George has exhibited tremendous interest and passion in the Morgan horse and registered Holstein dairy industries. His hands on experiences include earning world wide championship titles in riding and exhibiting his Morgan horses and engaging in all facets of the dairy industry including national dairy shows, leading edge breeding technology and advanced cattle cycle and nutrition management methods. It is George’s ambition to be more involved in family business affairs and to further his education in breeding and training elite Morgan horses.

Maxwell J.  Liberty – Program Director LFF

Riley J. Liberty- Family Volunteer LFF

April Marie Liberty – President of LFF, is a violinist and violist, who earned her Music degree in viola performance in 2009 from a full-merit scholarship at the University of Miami’s Frost School of Music. Prior to college, April graduated from the nationally recognized Walnut Hill School for the Performing Arts with a focus on both musical theater and music performance. Over the years, April has performed with many famous musicians, toured with orchestras to France, Italy and Spain, played with the Miami Symphony Orchestra, Frost Symphony Orchestra, Henry Mancini Institute Orchestra and continues to perform all throughout the South Florida area.

April is currently the Young Musicians’ Junior and Intermediate Orchestra conductor and private instructor within the CGCC Community Arts Program ( April founded and directs the O’Connor Method Camp Maine (

As well as the above program, April teaches General Montessori Music, and Kindergarten and Intermediate violin at the Carrollton School of the Sacred Heart in Coconut Grove, Florida ( April is also a private violin and viola instructor serving many students throughout the Miami area.

Richard A. Liberty – Secretary of LFF, graduated from Texas Tech University with a degree in accounting/corporate finance. Mr. Liberty has been an award winning investment professional of over thirty-three years. Since retired, Mr. Liberty owned and operated his own investment advisory firm for 14 years and prior to that he was a branch manager of a Wall Street securities firm and an accountant for the international accounting firm Cooper & Lybrand.

Mr. Liberty has been a Trustee and or Director of several charitable entities and organizations and has been head chaperon for New England Conservatory’s (“NEC”) international orchestral performance tour of Spain and chaperone of many other NEC performance tours including Brazil, Cuba, Mexico and Venezuela.

Mr. Liberty’s passion and activities today involve family and philanthropic endeavors.

Dr. Stan Liberty –Director of LFF, is President Emeritus of Kettering University, having concluded six years of service as Kettering’s sixth president on June 30, 2011.  He earned his bachelor’s, master’s, and Ph.D. degrees in electrical engineering at the University of Notre Dame.

Dr. Liberty went to Kettering from Bradley University in Peoria, Illinois, where he had served seven and one-half years as provost and vice president for academic affairs. While at Bradley he was a member of the Board of the Peoria Area Chamber of Commerce (PACC), chaired the PACC Transportation Committee, was a member of the PACC Business Advisory Committee, and served on the Peoria Civic Federation Transportation Committee. He also chaired the Research, Education and Innovation Team of Peoria NEXT, a science and technology based economic development initiative, and he was a member of the Community Advisory Board for the Peoria Area World Affairs Council.

Before joining Bradley, he served as dean of engineering for 13-1/2 years at the University of Nebraska-Lincoln and as that university’s interim vice chancellor for academic affairs. He was the Nebraska representative on the Science and Technology Council of the States, a working group of the National Governor’s Association, and he advised Governors Orr and Nelson on science and technology matters. In 1995 he worked at Transcrypt International, a manufacturer of secure communications products, in a part-time position as director of advanced research and planning; and he served as a director of two small corporations.

He also served as department chair of electrical engineering at Old Dominion University in Norfolk, Virginia, and as a faculty member at Texas Tech University, where he was founding director of Texas Tech’s center for energy research, an associate dean of graduate studies, and a member of the Texas Energy Advisory Council. Prior to his academic career he was employed as a design engineer by the Naval Facilities Engineering Command. Dr. Liberty’s research in the areas of mathematical system theory and stochastic control theory has been supported by grants from several federal agencies including NSF, NASA and the Office of Naval Research.  The statistical control theory known as “cumulant control” has its origins in his work.

In 1976 he was named the Outstanding Young Electrical Engineering Professor in the United States by Eta Kappa Nu, and he is a 2005 recipient of the University of Notre Dame’s College of Engineering Honor Award for “significant contributions to the advancement of engineering, or meritorious achievements in engineering.”

While president of Kettering, Dr. Liberty served as a member of the Strategic Board of the Genesee Regional Chamber of Commerce and he served on the Boards of: Kettering University; PalNet (a Flint area higher educational library consortium); the Association of Independent Colleges and Universities of Michigan, Michigan Virtual University, the Community Foundation of Greater Flint, the National Commission for Cooperative Education, and the Association of Independent Technological Universities.  Presently he serves on the Boards of the Tri-County Venture Capital Fund, LLC in Peoria, Illinois. He is also ceo of S.R. Liberty Consulting Services LLC and an adjunct professor of electrical and computer engineering at Bradley University.



Alan Theriault – Treasurer of LFF, is President of CU Financial Services a consultant to the credit union industry. Mr. Theriault is editor of the 200 page: “Conversion Guide – The Cooperative Banking Charter”. M. Theriault’s executive background includes positions with a major Wall Street investment firm, as president of a mutual savings bank, as founder and senior executive of a mortgage banking and business-lending firm, and as founder and executive of a National Association of Securities Dealer (N.A.S.D.) Member firm.


Board of Directors

Kevin J. McCarthy – is the Chief Operating Officer to The Liberty Group. Kevin received his BA from Bowdoin College in 1976 and his JD from Pace University in 1980 where he was an Editor of the Law Review. Kevin has been elected to the Falmouth (Maine) Town council and served as its Chairman. He has also been appointed to the Falmouth, Maine Zoning Board of Appeals and served as its Chairman. Kevin has also served as a Director and Chairman of the Board of Associated Grocers of Maine as well as Trustee and President of the Woodlands Club in Falmouth, Maine.

Anthony T. Fratianne – is General Counsel and Senior Vice President of the Liberty Companies. Prior to moving to Maine in 2009, Anthony practiced in the Real Estate and Private Client Groups of Morgan Lewis, one of the world’s leading global law firms, resident in the Philadelphia office, where he represented numerous Fortune 100 companies, Forbes 400 families, and Hollywood celebrities. While practicing at a leading Portland Maine law firm, Anthony was named a “rising star” by Superlawyers magazine, and handled many high-profile deals, including the sale of the largest resort complex in Maine, and the $100,000,000+ acquisition of a portfolio of wind turbine farms. Anthony was also the national real estate leasing counsel for the public company, IDEXX.

Anthony is a 1998 graduate of the United States Coast Guard Academy, where he was an all-conference member of the baseball team, and he graduated in 2002 from the Dickinson School of Law of the Pennsylvania State University.

Anthony is a member of the Board of Directors of the PortOpera, and a member of the Cumberland Club and the Portland Yacht Club