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Martin Kremenstein joined Deutsche Bank AG in August 2006, and serves as a Director in the DBX Group with responsibility for providing currency and commodity-based investor solutions to the DB sales force in the Americas. Mr. Kremenstein serves as the Chief Operating Officer, Chief Investment Officer and Director of DB Commodity Services LLC, the Managing Owner of the Powershares DB commodity and currency platform in the US. Prior to joining Deutsche Bank, Mr. Kremenstein worked for JPMorgan Chase from September 1998 to August 2006, initially in London and then, from June 2003, in New York. From February 2005 to August 2006, Mr. Kremenstein worked in Market Risk Management, covering the Credit Portfolio division initially as an Associate, and later as a Vice President. Mr. Kremenstein received his B.A. from the University of Leeds in 1998.

Mark Tan is a Chicago-based financial advisor with Thrivent Financial, a financial services organization that helps Christians be wise with money and live generously. Learn more about Mark at www.mark-tan.com.

Marc S. Freedman CFP ® is the President and CEO of Freedman Financial, Inc; a nationally recognized financial planning firm dedicated to serving individuals and families who reside or have roots in the North Shore community of Massachusetts.As a second generation financial planner, Marc has almost two decades of experience in the financial industry and has received national recognition and accolades.Recently his firm was selected by Barron’s Winner’s Circle as one of Boston’s Top 50 Financial Advisors. Freedman has served on the Board of Directors for the 29,000 member Financial Planning Association (FPA), and in 2008 was appointed Chairperson for the Association's national conference, FPA BOSTON. This honor followed his successful leadership as the 2006 Chair for the FPA's National Conference in Nashville, TN. He is also charter member of the Foundation for Financial Planning, a nonprofit dedicated to helping individuals take control of their financial lives. In 2009 he appeared as a financial planning expert on the CBS Early Show and in 2008 he authored the book Oversold and Underserved – A Financial Planner’s Guide to Serving the Mass Affluent. (All author royalties from this book are donated to the Foundation for Financial Planning.) The book has been recognized by the industry as a blueprint for building a better relationship between financial planners and their clients. Marc's high energy and story-telling skills has made him a sought after speaker to both the professional financial planning community and the consumer public at large. He lectures both internationally and domestically on trends in the financial planning profession and practice management issues. Freedman has been quoted in national media outlets, including L.A Times, Wall Street Journal, Money Magazine, Business Week, USA Today, The Journal for Financial Planning, Financial Planning Magazine, Investment Advisor Magazine, Registered Representative, Boston Globe and Boston Herald. Freedman holds a passion for educating the public - as well as those who present themselves as financial advisors - about the enormous differences between investment advice and integrated financial planning. He believes that communication is the cornerstone of a good relationship, and that planning is the most important step toward a solid financial future.A graduate of Peabody Veterans Memorial High School and Babson College, Marc is married to Laura and has five children. He is an avid fan of the Boston Red Sox and the Wonderful World of Disney and it is his life-long dream to dress as a Disney Character in the Magic Kingdom for just one day – after then, happily retire as a guest relations cast member.

Mark J. Neuberger is of counsel and a litigation lawyer with Foley & Lardner LLP. His practice involves the representation of management in all areas of employment law, including general labor and employment guidance to clients.