Banco Popular de Puerto Rico

Scott A. Harshman is a tax and estate planning partner at Jeffer Mangels Butler & Mitchell LLP in Southern California. He has extensive experience in tax, trust and estate matters and business planning for high net-worth individuals, including wealth transfer planning, income tax planning, corporate and partnership taxation, business succession planning, and international estate and tax planning. Mr. Harshman also has vast experience in probate and trust administration, trust and probate litigation, and the structure and formation of nonprofit entities, including private foundations and public charitable organizations. A frequent author on tax and estate planning issues, his articles have been published in the Orange County Business Journal, California Trusts and Estates Quarterly, American College of Trust and Estate Counsel (ACTEC) Journal, Orange County Community Foundation magazine, and Estate Planning magazine; he has written chapters for the books, Inside the Minds: Trust and Probate Litigation (Thomson Reuters\/Aspatore) and California CEB Special Needs Trust Book, (Continuing Education of the Bar).\n\nPhone: (949) 623-7224\nEmail: SHarshman@JMBM.com\nWeb: www.jmbm.com

Maribeth Kuzmeski, President of the consulting firm, Red Zone Marketing, Inc founded in 1994. Maribeth and her firm personally consult some of the nation’s top financial advisors managing from $250 million to over $1 billion in client assets. They also work with broker dealers and insurance companies on strategic marketing planning, recruiting, and business growth.Maribeth has written 5 books including the bestsellers “…And The Clients Went Wild!” (Wiley, 2010) and “The Connectors” (Wiley, 2009). She is an international keynote speaker and has spoken at the Million Dollar Round Table. She has created many marketing campaigns as well as social media guides for broker dealers, insurance and mutual fund companies.Maribeth is a regular media contributor appearing on Fox, ABC News, NBC, WGN-TV, The New York Times, The Wall Street Journal, Business Week, Entrepreneur and Forbes, National Underwriter and Registered Rep.She has a degree in journalism from Syracuse University and has an MBA from The George Washington University. Maribeth lives in the Chicago, IL area with her husband Rich and 2 teenagers.

Dr. Murtha has been working with financial advisors for more than 8 years. He began his career at the New York-based consulting firm of RHR International Company, where he assessed and developed senior executives and pioneered a specialty in the emerging field of behavioral finance. In 2002, he co-founded MarketPsych LLC, where he has specialized in helping FAs apply behavioral finance to build better relationships, gain referrals and increase assets under management. \nHe holds a doctorate in Counseling Psychology from The University at Buffalo and has taught at UB, Penn State and New York University. A recognized gambling expert, his groundbreaking dissertation was the first to explore the effect of cognitive errors in gambling behavior. He is known for his ability to take weighty academic concepts and communicate them in a down to earth, practical, and humorous way.\nAn investing psychology content expert, Dr. Murtha has been interviewed by numerous news and print media and has been featured multiple times on National Public Radio, CNBC and World Business Review with Alexander Haig. He works as a consultant, speaker, and writer based out of New York City. His new book, MarketPsych: How to Overcome Fear and Build Your Investor Identity was recently honored by Kiplinger’s Personal Finance as one of “Three Best Financial Books of 2010”. \n

Vivian Groman CPA, Senior Finance Specialist, Starmont Asset Management, LLC, San Ramon, CA was a senior vice president at Charles Schwab & Co. She also has extensive experience at Civicbank of Commerce, Genstar Corp., FNC International, and KPMG Peat Marwick. She has been licensed as a CPA and holds a BS from the Haas School of Business, University of California, Berkeley.