then conchy bretos, she's the ceo of the miami senior living solutions in miami. and then elizabeth isele. we are delighted to hear from the cofounder of the senior entrepreneurship works, and she is accompanied by dr. greg o'neill, director of the national academy of an aging society. so with that we will start off with you, ms. montgomery. your written testimony is inserted as a part of the record. if you will share with us about five minutes and we'll go right down the line and then we'll open it up for questions. ms. montgomery. >> thank you. chairman nelson, chair landrieu, ranking member collins come and senator scott, thank you for the opportunity to testify on sba's work to serve america's encore entrepreneur's. new and expiring small business owners over the age of 50. we commend you for highlighting this important topic and are grateful for your ongoing leadership and support. we all know the facts. small businesses employ half of the private sector workforce and create two out of every three net new private sector jobs. what many people don't realize is

then, conchy bretos, she is the ceo of the miami senior living solutions in miami. then, elizabeth isele. we are delighted to hear from the cofounder of the senior entrepreneurship works and she is accompanied by dr. greg o'neill, the director of the national academy of aging society. with that, we will start off with you, ms. montgomery. your written testimony is inserted as part of the record. if you will share with us about five minutes and we will go right down the line. we will open it up for questions. ms. montgomery. >> thank you. chairman nelson, chair landrieu, ranking member collins, and senator scott. thank you for the opportunity to testify on sba's work to serve america's encore entrepreneurs, new and aspiring small business owners over the age of 50. we commend you for highlighting this important topic and are grateful for your ongoing leadership and support. we all know the facts. small businesses employ half of the private sector workforce and create two out of every three net new private sector jobs. what many people don't realize is that americans