Banco Popular de Puerto Rico

David Tyrie is Managing Director and head of Personal Retirement Services at Bank of America Merrill Lynch. Tyrie is responsible for the delivery of personal retirement solutions in partnership with Merrill Lynch Wealth Management, Institutional Retirement, Merrill Edge and the Bank of America Consumer Bank, including retirement income solutions, IRAs and rollover processes, employee advice solutions, 529 plan products, and overall retirement education, planning and product innovation.Prior to joining Bank of America, Tyrie served as Managing Director, Global Products and Marketing for Putnam Investments. In this role, he was responsible for product management and marketing within Putnam’s Retirement Services business, including 401(k), Taft Hartley, IRA rollover, brokerage and investment only business lines. Prior to this role, Tyrie served as a Managing Director of Putnam’s Corporate Internet Strategy, responsible for the development and implementation of advanced product and service delivery and digital strategies.Before joining Putnam in 1999, Tyrie served in various leadership roles at Fidelity Investments and MFS Investment Management. Throughout his career he has worked closely with financial advisors to identify and address their clients’ individual retirement planning challenges.Tyrie is a trustee of Nashoba Brooks School and received a Bachelor of Science degree in Psychology from St. Lawrence University.

Attorney Robert G. Alexander, JD, LL.M., AEP, EPLS, is the President and majority shareholder of Alexander & Klemmer, S.C., located in Milwaukee, Wisconsin. Mr. Alexander entered into private practice in 1978 and concentrates his practice in the areas of wealth transfer, asset protection and family business planning, including discretionary dynasty trusts, asset protection trusts, life insurance planning, federal estate and gift taxation; trust and estate administration; fiduciary income taxation; charitable planning; business organization and succession planning and international tax planning. He has earned professional designations as a Board Certified Estate Planning Law Specialist (EPLS) as accredited by the American Bar Association, and as an Accredited Estate Planner (AEP) by the National Association of Estate Planners & Councils (NAEPC). He is AV rated by Martindale-Hubbell, its highest rating in legal ability and ethical standards, a Wisconsin Super-Lawyer and a Milwaukee Five Star Wealth Manager.Mr. Alexander currently holds the office of secretary for the National Association of Estate Planners & Councils and serves on the board of directors of the Estate Planning Law Specialist Board, (EPLS), Inc. (2003 to the present). He is the chairperson of the NAEPC Foundation Committee, serves on the NAEPC Committee administering the Accredited Estate Planner (AEP) designation, and the Conference Committee. He is an NAEPC delegate to the Synergy Summit, a leading national estate, tax, and financial think tank, where he also served as the chairperson, served on the editorial advising board of Wealth Management Magazine (2007-2009); and is on the professional advisors panel for The Elite Advisor Forum. Mr. Alexander served for two years as the original Publishing Editor of the NAEPC’s academic journal, The NAEPC Journal of Estate and Tax Planning; and for three years on the board of directors of the Milwaukee Estate Planning Council. Currently he serves on the board of directors for the Milwaukee Chapter of the Society of Financial Service Professionals (SFSP).He is a nationally known author and speaker who lectures and teaches extensively for both public and private organizations, including the National Association of Estate Planners & Councils (NAEPC), national continuing legal education providers, the Wisconsin Institute of CPA’s, major insurance companies, brokerage firms, banks, trust companies, community foundations, charitable organizations, and various local colleges.Mr. Alexander is a member of the American Bar Association sections on Real Property, Probate and Trust Law and Taxation; the State Bar of Wisconsin; the National Association of Estate Planners & Councils; the Milwaukee and Waukesha Estate Planning Councils; the Society of Financial Service Professionals (SFSP) and the Society of Trust and Estate Practitioners (STEP). Mr. Alexander is admitted to practice in Wisconsin, the U.S. District for the Eastern and Western Districts of Wisconsin, the Seventh Circuit Court of Appeals, and the U.S. Tax Court.He earned a B.A. in English from the University of Wisconsin-Madison, J.D. from the University of Wisconsin-Madison Law School, and an LL.M. in Taxation from DePaul University.Phone: (414) 476-5020

Steven J. Insel is a partner in the corporate and securities law practice at the firm of Jeffer, Mangels, Butler & Mitchell LLP in Los Angeles, California. Mr. Insel specializes in investment adviser and broker dealer matters in addition to other areas of regulation of financial and professional services. He has represented some of the largest financial institutions in the world, and also many boutique wealth management firms and investment banks. Mr. Insel has been counsel in the initial formation of, or acquisition of, approximately 100 broker-dealers and investment advisers.Mr. Insel has represented 35 accounting and business management firms with respect to their entry into financial services and in other regulatory matters. Mr. Insel has represented many consolidators of broker-dealer, investment adviser, insurance and business services firms.Mr. Insel has also represented hundreds of the top financial advisers in the United States in negotiating changes in firms, retention packages, setting up their own firms, and in regulatory investigations and arbitration matters.Mr. Insel has been a member of the California Society of Certified Public Accountants Financial Services Task Force and Chair of the Executive Committee of the Business & Corporations Law Section of the Los Angeles County Bar Association, where he was also Co Chairman of the Investment Adviser Sub-Committee.Mr. Insel received his B.S. degree from Cornell University and his J.D. degree from the University of Pennsylvania School of Law, where he was an editor of the Law Review and was elected to the Order of the Coif.Phone: (310) 201-3581

Bob Niederman, Director of Coaching for CEG Worldwide, is a pioneer in the field of corporate coaching. As the principal of Palo Alto, California-based Profound Coaching, Niederman since 1993 has coached more than 100 Silicon Valley CEOs. His presentations, "The Psychology of Rainmaking" and "Breakthrough in Leadership," focus on what is required to be a powerful rainmaker and a breakthrough leader. He has helped numerous financial advisors surpass their preconceptions about their businesses' limitations and achieve far higher levels of ambition and accomplishment. \n\nNiederman has worked with CEG Worldwide to design, develop and facilitate its results-oriented Breaking Through coaching program, which teaches financial advisors how to optimize their businesses in order to achieve significant growth in profits and assets under management. He was instrumental in building CEG Worldwide's Elite Advisor Forum—a focused study group of top-level financial advisors that provides participants with unique breakthrough opportunities in business development. \n\nNiederman received a BS in psychology from UC Santa Cruz and his PhD in educational psychology from the University of California, Berkeley. He also completed postdoctoral work at Stanford University and received coach training at Newfield Network. He worked as a therapist for 14 years before entering the coaching field; that background uniquely qualifies him to deal with the most challenging interpersonal workplace issues.

Simon Glinsky is the Senior Managing Principal, Strategy and Consulting for CEG Worldwide. Simon leads CEG’s strategy and consulting practice and helps lead the firm's executive committee. He conducts Executive Planning Sessions, retreats and other strategic development engagements with client principals.\n\nCEG Worldwide clients enjoy Glinsky's business insight combined with his excellent listening and diagnostic skills. Clients value Glinsky's ability to structure decision making and activate client team talent. These skills, combined with his mission to improve business results and leadership effectiveness, lead to high trust, high integrity and high-value change for clients.\nGlinsky is the founder and principal of The Glinsky Group, a management consulting practice specializing in strategy, organization and executive facilitation. Founded in 1990, it has on its client roster such names as Wells Fargo, Barra (now Morgan Stanley), Kaiser Permanente, the University of California, Tilia Housewares (now Jarden) and Klutz Publishing (now Scholastic). \n\nAt Wells Fargo, Glinsky developed a reorganization for a 400-person business loan and services division to improve profitability and enhance employee retention. At Barra, he initiated customer-oriented business planning and a new divisional structure that led to significantly increased innovation and sales that in turn led to a fourfold increase in market valuation. \n\nA seasoned entrepreneur, Glinsky helped found Match.com, Embark.com (now The Princeton Review), Kaiser Permanente's Care Management Institute and KP Online. His career has also included stints with McKinsey & Co., IBM and GE Credit Corp. Clients at McKinsey included financial services, utilities and health care companies. He currently serves as a senior facilitator for Interpersonal Dynamics MBA classes at the Stanford University Graduate School of Business.\n\nGlinsky earned his BS in economics with a concentration in finance from the Wharton School of the University of Pennsylvania and an MBA from the Stanford University Graduate School of Business.

Mr. Zack is the recently retired Location Practice Leader for the Naples, Florida based RSM McGladrey, Inc. The Naples practice serves mid-size businesses in various industries including construction, real estate, manufacturing, professional services, not for profit organizations and foundations, and various private clubs and associations.\n\nBeginning in 1979, Mr. Zack served as Tax Managing Director in the Upper Midwest Economic Unit of the firm, where he advised closely held companies and shareholders in all areas of corporate and individual federal and state income tax. Focusing clients’ attention on taxes, led Mr. Zack to become a highly trusted advisor on complex business transactions, individual strategies to mitigate the tax consequences of financial decisions, and wealth transfer techniques. His extensive tax experience led to his leadership of the Private Wealth and Tax Advisory Services provided by McGladrey. In 2002, Mr. Zack began serving as Executive Vice President and Chief Operations Officer in the firm’s Wealth Management Unit. During his tenure in Wealth Management, revenues grew five-fold and assets under management increased from $400 million to $3.2 billion.\n\n\nMr. Zack is active in the American Institute of Certified Public Accountants (AICPA), having served on the Tax Practice Management Executive Committee and Women’s Initiatives and Family Issues Executive Committee; Board of McGladrey & Pullen, LLP; and Minnesota Society of CPAs.\n\nMr. Zack is a CPA and PFS (Personal Financial Specialist) has a Bachelor of Science Degree from the University of Minnesota, accounting major from St. Thomas University and holds the following securities registrations – Series 7, 66, and 24.

Ernest Clark, CPA\/PFS, is a principal and the director of wealth management at the St. Louis; Missouri based BAM Advisor Services, LLC, and a comprehensive service provider for independent registered investment advisor firms across the country. Mr. Clark is among the nation’s elite when it comes to TAMP, Turnkey Asset Management Providers. Mr. Clark’s firm works with fee-only advisors and adheres to a fiduciary standard of care.Now in their second decade, BAM continues to successfully guide new and existing Registered Investment Advisor firms in their pursuit to become profitable wealth management advisors. BAM’s comprehensive platform of services frees advisors from the time consuming organizational and technological tasks crucial to running a business to focus their time on recruiting prospects and client-facing activities.By partnering with BAM, firms gain access to the expertise of Clark and his team of seasoned industry professionals. Since 1997, BAM has enabled RIA firms to leverage essential tools, knowledge and resources designed to build highly successful wealth management practices. Firms leverage expertise in fixed income, passive investment solutions, advanced planning, practice development, retirement plan services, client services, technology, training, marketing, communications, compliance and risk management.Mr. Clark is also a principal of Buckingham Asset Management, LLC, a registered investment advisor firm in St. Louis.Phone: (800) 711-2027

Sue Stevens has held leadership roles in top financial organizations for twenty years. She is Founder and President of Stevens Wealth Management LLC, Financial Happiness LLC and Stevens Visionary Strategies. At Stevens Wealth Management, Sue is also Chief Investment Officer and lead Wealth Manager directing all investments and personnel, meeting with clients and managing the practice. She is frequently named as one of the top advisors in the country by Worth, Bloomberg, Reuters and others. Sue was named one of 50 Distinguished Women in Wealth Management by Wealth Manager Magazine in 2008. Her book, Put Your Money Where Your Heart Is™, is available at amazon.com.Sue was Director of Financial Planning at Morningstar for nine years where she won awards for her online columns and edited\/wrote Practical Finance, a personal finance newsletter. Sue continues to contribute content to Morningstar’s website. Sue was head of Research and Development for Participant Education at The Vanguard Group for three years where her team won awards for creating financial education materials and programs for retirement plan participants. Sue was also on the investment advisory board while at Arthur Andersen for six years.Sue has an MBA from University of Chicago, Masters of Science in Wealth Management from The College for Financial Planning, Certified Public Accountant\/Personal Financial Specialist (CPA\/PFS), Chartered Financial Analyst (CFA) and is a Certified Financial Planner™ certificant. Sue was an award-winning professional cellist before she made the change to wealth manager. She is a member of the Recording Academy that votes on the Grammy’s and has performed and recorded with many of the top musicians across the country. She continues to play professionally in the Chicago area.