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Sharon Allen, CFP, ATFA, has almost 25 years experience helping affluent families and individuals manage wealth. She also teaches at the University of Illinois' Financial Planning program.

While ETF choices are limited, a handful using these securities offer different approaches and capitalization sizes.

We've reshuffled our top 100 bank advisers to list them solely by assets under management. Here are the top 25.

Carter Pape has covered cybersecurity, financial crime and emerging technology for American Banker since January 2022.

Pape, reporting from Sacramento, California, connects technical complexities to their practical consequences. He examines how cybercriminals target and infiltrate banks and how the technologies reshaping the world (such as AI and quantum computing) create new risks for banks and their customers.

Pape's work has earned recognition at the regional and national levels, having earned him an award and award finalist recognitions from the American Society of Business Publication Editors and SIIA.

Highlights of Pape's work include:

• No longer optional: Cyber risk oversight for boards, which examined the expanding liability exposure facing bank directors as regulators raise expectations for cyber governance;
• Inside a sophisticated, foiled cyber-heist targeting ATMs, an account of a coordinated attack on bank cash infrastructure and the defenses that stopped it;
• The promise and perils of QR codes in banking, which explored how a ubiquitous consumer technology became a vector for financial fraud.
• How quantum computers work, and how banks can use them, which broke down the physics and engineering of quantum computation and assessed the realistic near- and long-term implications for the banking industry
• Main Street banks can avoid Wall Street's WhatsApp fines. Here's how. This article explained how community banks could navigate SEC enforcement around personal device usage for work communications.

Pape's broader coverage at American Banker addresses data breaches, fraud prevention, regulatory compliance, artificial intelligence in financial services and the evolution of digital banking.
Before joining American Banker in January 2022, Pape spent three years as a reporter at The Times-Independent in Moab, Utah, where he was one of four full-time journalists covering a county of 10,000 people.

Pape reported on public lands, local government, housing and more. He also rebuilt the publication's website from the ground up, earning the Utah Press Association's Best Website award in 2019 for the redesign.

Pape's reporting on Moab won recognition from the Utah Press Association for excellence in government and politics reporting (first place) as well as general news (second place) and education coverage (second place).

Pape holds a degree in mathematics from North Carolina State University. At NC State he became news editor of the student newspaper, Technician, to get a break from the analytical and technical work of mathematical proofs. The experience inspired him to pursue a career in journalism.

Alongside his seven years as a journalist, Pape brings more than a decade of programming experience, having interned as a software developer for companies including IBM. He continues to regularly tinker with Python, Docker and shell scripting in his free time.

Daniel Wolfe is editor-in-chief of Digital Insurance.

Most recently, he was director of data services at Arizent, which publishes DI and American Banker. In this role he managed the company's editorial use of automation and AI,  with the mission of expanding quality data journalism and products across all brands.

Previously Daniel headed American Banker's payments and credit union coverage, and before that he was editor-in-chief of PaymentsSource, a sister publication that combined with American Banker in 2021. Prior to that, Daniel held roles at American Banker including tech and risk management editor; technology, cards and payments editor; and technology reporter. Throughout his career, Daniel has taken a central role in hosting leading industry conferences including Payments Forum, Card Forum and PayThink. He has appeared on Yahoo! Finance and received the American Society of Business Publication Editors' national silver award for sustainability reporting in 2024 for his coverage of the credit card industry's environmental impact.

He has a master's degree in print journalism from Boston University's College of Communication and a bachelor's degree in English from SUNY Binghamton.

Dysart is an Internet speaker and business consultant based in Manhattan. Reach him at (646) 233-4089.

John Reosti is a reporter covering community banks in particular and the financial services industry in general. He also focuses on the Small Business Administration, the National Credit Union Administration Board and issues connected to the CECL accounting standard.

Teri Williams is president and chief operating officer of OneUnited Bank.

The arbitration award comes a month after the wirehouse had to pay a similar amount to clients stemming from the sale of debt from the island commonwealth.