Banco Popular de Puerto Rico

Marissa Fox-Foley is senior vice president of advisor marketing at LPL Financial. In this role, she is responsible for the planning, development, and execution of integrated marketing programs and campaigns aimed at increasing the growth and productivity of independent advisor practices as well as institution-based investment programs.\n\nPrior to joining LPL Financial in 2008, Fox-Foley was the vice president of Wechsler, Ross and Partners, a New York-based marketing and brand development agency specializing in the financial services industry. In this role she led numerous engagements with some of the most recognized firms in the industry, including Morgan Stanley, Van Kampen Investments, JP Morgan Asset Management, UBS and many others. She formerly worked for Agency.com, the interactive arm of the Omnicom Group, a leading global advertising, marketing and corporate communication company.\n\nFox-Foley has a Bachelor of Arts in government from Harvard University, and an MBA in marketing from the University of Southern California. She lives with her husband and two children in San Diego. \n

Bill Hunter joined Bank of America \/ Merrill Lynch last year to run the Personal Retirement IRA Product Group. Hunter's team of Personal Retirement Product experts develops programs designed to drive asset growth, deepen client’s share of wallet, and build retirement awareness for all distribution channels. \n \nHunter joined Merrill Lynch after a 24 year career at Fidelity Investments where he held many senior level positions. In a recent role, he spear-headed the IRA & Small Business product and strategic marketing efforts targeting individual retirement accounts holders and small business owners. \n \nPrior to this assignment, he negotiated with the nation’s largest insurance carriers as he led the creation of an “Annuity Supermarket”, thus enabling Fidelity’s correspondent bank and broker dealer clients to electronically process both variable and fixed annuities. He also led the Fidelity Institutional FundsNetwork relationship management team responsible for the creation and development of distribution relationship with over 400 non-Fidelity mutual fund families. \n \nHunter is a Chartered Financial Analyst (CFA). He received a Master in Finance, from Boston College; a MBA from University of Mass, Lowell, and a B.S. Business Administration from Merrimack College. He is also registered with the NASD (Series 7, 6, 63, & 24).

Jerome (“Jerry”) S. Golden is widely acknowledged as one of the leading innovators in the financial services industry. His achievements include the design and\/or origination of major new products in three sectors -- retirement income, variable annuities and life insurance – but his influence extends across the industry.\n\nAs President of Golden Retirement, LLC, Golden is currently developing a new set of products and services that will be offered directly to retail investors, capturing them in a book he is drafting called "The Golden Rules of Retirement". These concepts include a patent-pending analytical system for designing and evaluating retirement solutions, and an innovative set of such solutions primarily aimed at the vast, under-served population of middle-income and mass-affluent Americans.\n\nPrior to founding Golden Retirement, LLC, Golden was President of the Income Management Strategies Division of MassMutual Financial Group, where he and his team developed The Retirement Management Account (RMA), a patent-pending managed account platform that converts retirement savings into retirement income. Initially conceived at his firm Golden Retirement Resources (acquired by MassMutual in 2005), RMA has been described by Cerulli Associates as the quintessential managed account platform for retirement income.

Steven M. Ayer, CIMA ®, AIF®, is a Managing Director and Partner with Strata Wealth Management at Hightower Advisors LLC. Ayer has been in the financial industry since 1994. He worked at two of the largest broker\/dealers on the Street before joining Hightower, a premier, registered investment advisory firm with a national presence. After acquiring a degree in Finance from Southern Connecticut State University, he amassed a broad knowledge of economics, asset allocation, and alternative investments which he uses to complement Strata Wealth Management's diversification strategy. Ayer is going to begin hosting his own radio show at http:\/\/www.voiceamerica.com\/show\/1938\/strategic-wealth , starting July 21, 2011 at 11am EST every Thursday. The show's title is Strategic Wealth: Choosing Financial Simplicity. Steven currently resides in Ledyard, Connecticut, with his wife Delia and their four children, Cyrus, Sofia, Madison, and Isobel. Therefore, it has been a natural progression for him to release this set of principles that he uses to help him make better choices, not only at work, but in life in general. These Quotes, Thoughts, and Actions have been a true blessing to him. They have been instrumental in helping him overcome the many challenges of life along with those that accompany a financial advisory practitioner in the midst of one of the worst economic\/market environments in the history of the United States. \n\n

Jean Loewenberg is executive vice president of Loomis, Sayles & Company and\ngeneral counsel overseeing the legal and compliance department. Jean began her investment\nmanagement career in 1977 and joined Loomis Sayles in 2003. Prior to Loomis Sayles, she\nworked for Columbia Management Group, Inc. as head of the legal department and at Fleet\nNational Bank as manager of attorneys. Jean earned a BA from University of Wisconsin and\na JD from University of California at Los Angeles.