Rick Harb graduated with honors from the University of Florida before receiving his law degree with honors from The Florida State University College of Law and his Master of Laws in Taxation from the University of Florida Levin College of Law.  A Tampa native, Mr. Harb joined NG&N immediately upon graduation in 2012 and has practiced exclusively in public finance ever since.  In that time, he has served as bond counsel, disclosure counsel, underwriters' counsel and special counsel for a wide range of governmental and nonprofit clients and routinely handles related complex federal and state tax and securities issues.  His representative experience includes transactions for public and nonprofit healthcare and senior living facilities, public and nonprofit educational providers, transportation and airport improvements (including tolled expressway systems), utility systems, stadiums and convention centers, social service centers and other general governmental projects.  Mr. Harb has particular expertise with tax-exempt charter school financings, having served as bond counsel, underwriter's counsel, and disclosure counsel on dozens of transactions for the benefit of over 60 schools across Florida.  He also regularly serves as bond, disclosure and underwriters' counsel on transactions for public and nonprofit acute-care hospital systems and senior living providers, including financings for startup and existing life plan communities and transactions secured by derivative instruments such as interest rate swaps.  Additionally, Mr. Harb has been a featured speaker for the Florida Bar's Public Finance in Florida continuing legal education seminar.