Banco Popular de Puerto Rico

Shirley has been in the wealth management business for over 26 years, advising families, business owners, endowments and foundations for her entire career.  She has developed long term relationships with clients that require institutional level expertise with an in-depth understanding and focus on the tax, wealth transfer and risk management issues faced by private individuals and closely held businesses.  Shirley and her team of specialists provide expertise in the areas of tax-aware investment management, cash management solutions, liability management, retirement planning, estate planning, private banking, philanthropic consulting and insurance solutions for risk management and wealth transfer strategies.  \nIn both 2007 and 2008, Shirley was named one of the top 30 financial advisors in Orange County, California, as published by the Orange County Business Journal.  Shirley earned the Certified Private Wealth Advisor designation in 2010, after successfully completing the rigorous CPWA program authorized by IMCA at the University of Chicago.  Shirley served on the Merrill Lynch Advisory Council to Management from 2008-2010 and was selected to be the founding CEO of the Southern California Women’s Exchange.\nShirley is a board member of the Orange County United Way and she is a founding member and past chair of the United Way Women’s Philanthropy fund.   Shirley serves as an advisory board member of the Pediatric Cancer Research Foundation and resides in Corona del Mar, California with her family, husband Steve and two sons, Marshall and Reed.\n

Richard Bregman, formerly of Chase Manhattan Bank (now JP Morgan), has been an investment advisor since 1991.\n\nRichard's interest in helping people achieve their goals led him to pursue law after graduating from Cornell. He received his J.D. from George Washington Law School and litigated for several years.\n\nNot fully satisfied with trial law, Richard explored alternate ways to help people achieve their goals, particularly financial ones. He earned an MBA in finance from New York University, entered the investment management and advisory field, and became a chartered financial analyst (CFA). In 1997, Richard formed MJB Asset Management. \n\nThe 2000-2002 market turbulence was a watershed event for Richard, leading him to re-assess conventional wisdom and develop his “Respect the Realities” approach to investing and client relations. \n\n"Respect the Realities" means accepting uncertainty as a natural condition and preparing for it. The typical "wait-and-see" or "hope-and-pray" financial service industry approach is a passive response that lessens the motivation for advisors to find effective alternative strategies. It also cheapens the relationship between advisor and client. \n\nRichard understands that uncertainty can lead to fear and that fear demands compassion, a willingness to acknowledge and discuss client trepidation as a normal part of pursuing financial goals. "Respect the Realities" respects you, creating an opportunity for an authentic advisory relationship.\n\n

Scott Freeze is the President of Street One Financial. He graduated from West Chester University and began his career in finance at The Vanguard Group, moving up the ranks to Supervisor of Vanguard Brokerage.\n\nFrom there, Scott joined Knight Capital Markets in Jersey City, NJ, working on the Programs\/ETF and Index Desk. A few years afterwards, Scott left Knight to start the Programs\/ETF and Index Desk at Miller Tabak in Manhattan.\n\nScott has been involved in ETFs from both a trading\/execution and a product strategy standpoint since the beginning of the decade. He brings his relationships with RIAs and institutional portfolio managers to Street One where he helps construct better portfolios, and recapture basis points that would otherwise be lost in the marketplace, through better trade execution. Scott holds the Series 3, 4, 7, 24, 53, 55, and 63 licenses.

Bill Meyer is chief executive of Social Security Solutions and the developer of Income Solver, software for advisers to create optimized withdrawal strategies.

Mike Scarborough is a pioneer in the 401(k) advice industry, offering education, guidance and allocation management to help people maximize their retirement plans.\n\nScarborough is the company’s featured speaker. He travels the country giving educational seminars to employees of Fortune 500 companies about their 401(k) plans. He is a frequent speaker on the topic of 401(k) plans at industry conferences and on CNBC.\n\nIn addition, Scarborough’s comments have appeared in numerous national publications, including Kiplinger’s Personal Finance Magazine, Money Magazine, Pensions & Investments, The Chicago Tribune, USA Today and The Wall Street Journal.\n\nScarborough's book, The Scarborough Plan: Maximizing the power of your 401(k), provides insight into company sponsored savings plans and offers easy to understand recommendations on strategies to improve the performance of hard-earned savings.\n\nScarborough currently serves as a member of the Board of Directors of the Sigma Alpha Epsilon Fraternity and Foundation. He is also active on the Board of Trustees at Salisbury University where he created an endowment establishing the Scarborough Student Leadership Center.\n\nScarborough earned a Bachelor of Science in Finance at Salisbury University and earned his MBA in Finance from Baldwin-Wallace College.\n\nHe has taught personal finance and economics courses at Salisbury University and Johns Hopkins University.\n\n

John E. Nelson writes and speaks on careers and retirement planning. He is coauthor of What Color is Your Parachute? For Retirement. Nelson’s work has been covered in Money, The New York Times, USA Today, The Wall Street Journal, and elsewhere. His well-being model has been used for employee education by the federal government, AARP, Fortune “100 Best Companies to Work For” and others. Nelson has taught at the University of Wisconsin, where he’s still trying to find time to finish a PhD. He lives in Madison, Wisconsin, with his wife and three sons. Read more at johnenelson.com.\n\nRead more: http:\/\/moneyland.time.com\/author\/johnenelson\/#ixzz1WifavAgW

Chuck Miller is a strategist, project manager and content producer. He has worked with insurers, investment advisers, consulting firms and plan sponsors across all media platforms, with significant experience in new media strategy and production. \n\nMiller is the co-author of Employee Benefit Communications: A Guide published by BLR and The Employee Benefit Communications Toolkit, published by CCH.