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Ken Esch is a partner in PwC's Private Company Services practice. During his 20-year career at PwC, Ken has served many family-owned and private equity backed businesses specializing in taxation, accounting, succession planning and growth strategies. \nIn addition to his client service responsibilities, Ken leads PwC US's Trendsetter Barometer, which tracks the business issues and challenges of America’s leading privately held businesses as expressed by C-suite officers.

Kelly has 20 years of experience as an advisor prior to starting her own firm KRWMG in 2012. Her experience at several major brokerage firms has led to a unique view of investing that is focused on asset preservation. With years of extensive experience, Kelly and her team at KRWMG advise clients on ways to build and protect their assets in ways that are proven, straight forward and effective. Premium client service is our primary focus.\nKelly’s experience prior to starting her own firm KR Wealth Management Group began at Bear Stearns in 1993, Morgan Stanley 1995, Solomon Smith Barney 1999 & RBC 2009. Her experience has set her apart from her peers in asset preservation, product creation and regional specialist positions. Kelly has been successfully advising clients on ways to build and protect their financial assets.\nShe is licensed in Securities 7, 31, 66, 63 as well as Life Insurance and Annuities. As a sought after speaker in the industry, Kelly has been quoted in Registered Rep Magazine, featured on Real Talk Texas KLIF 570 and several other publications. Kelly is a current lecturer to MBA students in the Cox School of Business at SMU.

Kelly Jobe has over 10 years of experience in the financial services industry, with 8 years focused on the RIA community.  She has held several positions in sales and relationship management with a focus on advisor education. She began her career in the financial services industry at Merrill Lynch where she educated advisors on portfolio construction.  She later joined AllianceBernstein as a wholesaler working with RIAs throughout the country and also served in key accounts working with the major custodial firms.  Prior to joining TD Ameritrade, she spent over 2 years as a Relationship Manager at Schwab Advisor Services working with RIAs in the NY Metro region. Kelly graduated from The Pennsylvania State University.  She achieved her CRPC designation from the College for Financial Planning in 2007.

Kelley M. Butler is the Editor-in-Chief of Employee Benefit News, the nation's No. 1 business trade publication for benefits professionals, covering news and trends in health, retirement, work-life and voluntary benefits, as well as benefits technology, regulatory compliance and employee education\/communication. Ms. Butler joined EBN in 2001 as an Associate Editor, before becoming Managing Editor in 2005 and Editor in 2006. She also serves as Senior Editor to EBN's sister title, Employee Benefit Adviser, and oversees EBN's blog, podcast series and annual Benny Awards. She has more than 10 years of experience in journalism covering various aspects of the health care industry.

Non-disabled service members are entitled to Tricare — a health plan provided by the Defense Department — when they reach the age of 65.

Keith Kitani is CEO of Guidespark, an employee engagement and communication company.