Banco Popular de Puerto Rico

Jason J. Fichtner is Senior Research Fellow at the Mercatus Center, a university-based research center at George Mason University. Previously, he served in several positions at the Social Security Administration (SSA) including Deputy\nCommissioner of Social Security (Acting), Chief Economist and Associate Commissioner for Retirement Policy. Prior to the Social Security Administration, Dr. Fichtner was a Senior\nEconomist with the Joint Economic Committee (JEC) of the United States Congress.\n\nDr. Fichtner's primary research interests and publications address issues such as Social Security, federal tax policy, federal budget policy, retirement security, and policy proposals\nto increase saving and investment.\n\nBefore joining the JEC, he was a Senior Consultant with the Office of Federal Tax Services of Arthur Andersen in Washington, DC. At Arthur Andersen he worked on transfer pricing issues for large multinational corporations to ensure compliance with U.S. and international tax\nregulations. Jason started his DC-based career as an Economist with the Research Division of the Internal Revenue Service, where he forecast return volumes and developed econometric models to assist tax compliance and administrative initiatives.\n\nJason received his Bachelor of Arts degree from the University of Michigan, Ann Arbor; his Master of Public Policy degree from Georgetown University; and his Ph.D. in Public Administration & Policy from Virginia Tech. His dissertation research focused on the use of tax distribution tables in the federal tax policy arena.\n\nJason was elected by his fellow Georgetown alumni to serve a two-year term on the inaugural\nGeorgetown Public Policy Institute Alumni Board starting in 2005. He was subsequently elected\nChairman by the other members of the Board. He continues to serve as a member of the GPPI Alumni\nBoard. Jason was honored as the 2006 recipient of the Colin Campbell Award, which recognizes GPPI\nalumni for their support of the GPPI community. Jason was also honored by Virginia Tech, as the\nrecipient of the Outstanding Recent Alumnus of the College of Architecture and Urban Studies for 2009-2010.\n\nDr. Fichtner serves on the Adjunct Faculty at the Georgetown Public Policy Institute, the Johns Hopkins School of Advanced International Studies and the Virginia Tech Center for Public Administration & Policy where he teaches courses in Economics, Public Finance, Public Policy Process, Public Management and Public Budgeting Processes.

Boettner Professor; Professor of Business and Public Policy\n\n\nEDUCATION: 1995 Ph.D. Economics, Harvard University \n1992 M.A. Economics, Harvard University \n\n1990 B.S. Computer Science, Ohio State University \n\n1990 B.S. Economics, Ohio State University \n\n \nPublications \nKent Smetters, S. Nishiyama (2007), “Does Privatizing Social Security Increase Efficiency?”, Quarterly Journal of Economics, (4): 1677 - 1720 \nKent Smetters, Jagadeesh Gokhale (2007), Do the Markets Care about the $2.4 Trillion U.S. Deficit?, Financial Analysts Journal, Volume 63, Number 2: 37 - 47 \n\n \nCurrent Research \nKent Smetters, Julia Li 2011, Optimal Portfolio Choice with Wage-Indexed Social Security \nKent Smetters, Walter Theseira 2011, A Matter of Trust: Understanding Worldwide Public Pension Conversions \nKent Smetters, Ying Chen 2009, Optimal Portfolio Choice over the Life Cycle with Social Security \nKent Smetters, Shinichi Nishiyama 2009, Richardian Equivalence Under Asymmetric Information \nKent Smetters, Walter Theseira 2009, A Matter of Trust: Understanding Worldwide Public Pension Conversions \n

Kevin Seibert joined the International Foundation for Retirement Education (InFRE) in 2003 and now serves as Managing Director. He has almost 30 years experience in retirement benefits, financial planning, and financial education. Kevin is co-author along with Betty Meredith, Director of Education and Research for InFRE, of a series of the Managing Retirement Income professional education courses presented to more than 12,000 advisors and Certified Retirement Counselors® since 2004.\n\nPrior to InFRE, Seibert was co-founder of Balance Financial Services, a Chicago area financial planning and consulting firm. Before founding Balance in 1988, he was a consultant for William M. Mercer, Inc. and was responsible for the implementation of compensation and employer provided benefit plans. Seibert was also Director of Marketing for a New Jersey based company specializing in the development and distribution of defined contribution and financial planning programs.\n\nSeibert is a Certified Financial Planner® (CFP®), a Certified Employee Benefits Specialist (CEBS), and a Certified Retirement Counselor (CRC®). Kevin earned his MBA in finance from the University of Wisconsin and received his undergraduate degree in finance from Miami University of Ohio. Serving as Treasurer and Executive Board member for the Greater Chicago Chapter of the International Society of Retirement Planners, Seibert played an active role in providing on-going retirement planning education to professional and employer members of this organization. He is considered a leading expert on retirement income management, presenting at dozens of conferences and quoted in Investment News, Financial Planning Magazine, the Retirement Income Journal, and other financial publications.

Andrew L. Berkin, PhD, is an expert in structured investment management whose publications on taxable investing are widely read and cited. Dr. Berkin is the Chief Investment Officer of Vericimetry Advisors LLC, which intends to make the necessary filings to become an investment advisor registered with the Securities and Exchange Commission during 2011. Dr. Berkin has over 14 years in investment management. Prior to that, he conducted research in theoretical physics and scientific data visualization. He received a PhD from the University of Texas at Austin and a BS with honors from the California Institute of Technology, both in physics.

SUSAN MACMICHAEL JOHN, CFP®, AIF® is the founder and President of Financial Focus, Inc. A fee-only financial planner, Susan established Financial Focus, Inc. in 1995. Financial Focus provides comprehensive planning services to northern New England professionals, retirees, and families. Susan has been providing personal and business financial planning services since 1985 and obtained her certified financial planner credential in 1989. She is a member of the FPA (Financial Planning Association) and NAPFA (National Association of Personal Financial Advisors). Susan has spent several terms on NAPFA’s Board of Directors where she developed NAPFA’s “Transition to Fees” workshops and NAPFA’s “Fiduciary Oath.” She served as NAPFA’s Government Affairs Liaison from 1994 through 2003. . She is serving her second term as a National Board Member and currently serves as Chair. \n\nOther Current Activities Include:\nDirector and Chair: National Association of Personal Financial Advisors (NAPFA)\nHonorary Director: E. Stanley Wright Museum Foundation.\nIncorporator: Meredith Village Savings Bank\n

Shawn Parker is a financial advisor.

Pat Allen is a digital marketing strategy consultant whose deep financial services marketing experience includes the launch of the industry’s first intermediary Web site in 1996. Having worked for several years in senior marketing\/electronic communications positions with Chicago’s great investment management companies (Claymore Securities, Calamos Investments, Morgan Stanley\/Van Kampen Investments and Scudder Funds\/Kemper Funds), she founded Rock The Boat Marketing in 2008. Her firm specializes in helping asset managers optimize what they do on the Web. Pat also operates AdvisorTweets.com, a site that aggregates the tweets of U.S.-based financial advisors, thereby providing a window to advisors’ gradual adoption of social media.