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Arnaldo Cruz is Director of Research & Analytics at Foundation for Puerto Rico

Val LeTellier has 25 years of risk management experience in the public and private sector. He ran intelligence, counterintelligence and security operations as a CIA operations officer and station chief, and State Department diplomatic security special agent. Twenty years recruiting foreign sources and penetrating intelligence targets gave him an intimate understanding of how insiders are created and defended against. Subsequently, he co-founded a cyber security firm that combined CIA human source and NSA technical expertise for holistic information security assessment, insider threat program design, and risk mitigation. He holds an MBA, MS, and CISSP. He is the founder and president of the North Langley Group and a senior consultant for TorchStone Global, LLC.

Brianna Johnson is a Millennial consultant with ConvergenceCoaching LLC, a leadership and management consulting and coaching firm that helps leaders achieve success.

Adviser headcount continued a slow, but steady decline, slipping to 6,915 from 7,116 for the year-ago period.

Clients should be especially mindful of market movements during the "fragile decade," the span beginning five years before retirement until five years after retirement.

Yes, advisers can invest these funds in nontraditional assets, but you must understand the risks before giving clients the OK.

The agency says its adoption of WebEx will allow for improved outreach with clients in the more rural regions of the country.

William Michael Cunningham is the author of "Thriving as a Minority-Owned Business in Corporate America: Building a Pathway to Success for Minority Entrepreneurs," and the author of "The JOBS Act: Crowdfunding Guide to Small Businesses and Startups." He holds an MBA in finance and a master's in economics, both from the University of Chicago. Mr. Cunningham is an adjunct faculty member at Georgetown University and the founder and owner of Creative Investment Research. He launched the firm's website on November 16, 1995.

Edward Hamilton, CFA, is senior vice president of Valuation Research Corporation and specializes in the valuation of businesses and assets and liabilities for financial reporting purposes.