Banco Popular de Puerto Rico

Mr. Weber, MBA, CLU, AEP is President and primary consultant for The Ethical Edge, Inc., which provides training and consulting services that empower advisors and their clients to explore and view life insurance in the broader context of financial planning and asset management. For 25 years a successful life insurance agent, Mr. Weber was the co-developer of Dynamic Insurance Solutions and Historic Variability Module – computer-based tools that have begun to revolutionize the way advisors and their clients evaluate life insurance products.\n\nHis book, Revealing Life Insurance Secrets: How the Pros Pick, Design, and Evaluate their Own Policies, is published by Marketplace Books and is directed at advisors and financial service professionals. His most recent publication, co-written with Christopher Hause, FSA, MAAA, is Life Insurance as an Asset Class - A Value-added Component of an Asset Allocation, was honored with a 2008 Best Paper Award from the Academy of Financial Services.\n\nMr. Weber has been a life-long educator, including an 11 year stint as an Instructor of Insurance at the University of California at Berkeley's Program in Personal Financial Planning. From 1993 through 1998, Mr. Baker served as Adjunct Professor of Ethics at the American College in Bryn Mawr, Pa. He currently serves as Adjunct Professor of Risk and Insurance in California Lutheran University’s MBA program.\n\nMr. Weber was the Society of Financial Service Professional’s Kenneth Black, Jr. Leadership Award recipient for 2008 in recognition of his “... exemplary leadership qualities and significant contributions to the fulfillment of the Society’s core values of ethic, education, and relationships.” In 2009, he was elected to the NAEPC Estate Planning Hall of Fame and selected to receive the Distinguished Accredited Estate Planner award and designation for “… significant and outstanding lifetime achievements and contributions to the practice and profession of estate planning.”\n\nMr. Weber holds an M.B.A. from the University of California at Berkeley with a specialty in Insurance and Finance and was designated a Chartered Life Underwriter in 1974. He is the 2010 Secretary-Elect for the 15,000 member Society of Financial Service Professionals.\n\nPhone: 510-868-8804

Ted Tafaro is President & CEO of Exceptional Risk Advisors, based in Mahwah, New Jersey. Ted is one of the country’s foremost experts on high-limit specialty life, accident and disability products for clients with exceptional insurance needs – including celebrity athletes, entertainers, highly compensated executives, entrepreneurs, and professionals. Ted is a Lloyd’s of London Coverholder responsible for managing various underwriting authorities at Lloyd’s that exceeds $75,000,000 per individual risk. He is one of the most trusted and empowered underwriters in the industry. Ted founded Exceptional Risk Advisors in 2006. In four short years, the firm has grown into a leading resource for the elite advisors that serve high-earning clients and successful corporations. In 2008, Ted was named one of the “Top Forty Executives Under 40” by New Jersey’s premier business news publication, NJBIZ. In 2010, Exceptional Risk Advisors, LLC was honored by Inc. Magazine as an Inc. 500 \/ Inc. 5,000 company which recognizes the country’s fastest growing privately held companies.\n\nPhone: 866-512-0444

Kurt Nelson is a partner at SummerHaven Investment Management where he manages investor relations and product structuring. He was a managing director for UBS until July 2009, where he recently led the successful effort to acquire and integrate AIG’s commodity index business. Kurt was a supervisory committee member for both the Dow-Jones UBS Commodity Index and the UBS Bloomberg CMCI Index. In April 2008, he led the effort to launch the UBS exchange traded note platform (E-TRACS). Prior to joining UBS in 2007, Kurt worked for 10 years at AIG Financial Products, and his responsibilities included provided commodity index investment solutions for institutional investors, U.S. corporations, principal dealers and private banking clients. Kurt earned his B.S. in Mathematics from The College of William & Mary.

\n\nGina Bolvin, President of Bolvin Wealth Management Group Inc., is one of the top 100 (out of 13,000) financial planners with LPL Financial, the largest independent brokerage firm in the country. She is recognized as a leader in her field by being awarded membership in LPL’s Chairman’s Council for the past eleven years.In November 2008, she was selected to Barron’s Winner’s Circle: top Advisors in Massachusetts (and Top 5 Women Advisors). She maintains the following registrations and licenses: CFS, GEPC, Series 6, 7 63, & 66 & life insuranceIn 1997, Gina launched her career by combining her two passions – working out and investing- and hosted Women & Investing Seminars at women’s health clubs throughout Boston. They were so well received that she was invited to be a guest speaker for Women of AT&T (WATT), which led to additional engagements throughout the country for Verizon, Lucent, Avaya and AT&T. A niche was born. Many of her clients are telecommunications employees because she is considered the go-to advisor for retirement planning; she is well versed in income planning, 401ks, the Rule of 72 t (premature distributions) as well as wealth accumulation and preservation.Gina is on the Board of Directors for Christmas in the City (www.christmasinthecity.org), a non profit organization whose goal is to help homeless families, especially women in the wake of domestic violence, live independently. She also is a member and benefactor of Grub Street (www.grubstreet.org), a non profit literary organization dedicated to nurturing writers and connecting readers in the Boston area. She is also a member of Boston Women in Finance and earned a Bachelor’s of Science from the Newhouse School of Public Communication at Syracuse University.A physical fitness enthusiast, Gina enjoys weight lifting, running and triathlons. She also enjoys creative writing and has completed Love.com, a fictional novel about a financial advisor who applies business strategies to her quest for love. In 2009, Gina married Bill Bernarduci (http:\/\/www.ludwigphotography.com\/slideshows\/Bolvin\/). They divide their time between two homes in Litchfield County, CT and Boston’s Back Bay. \n

Rick Kahler, MS, CFP® is a fee-only financial planner, speaker, educator, and columnist. Rick is a pioneer in integrating financial planning and psychology. In 2009 BusinessWeek named him one of the top 15 most experienced planners in the nation. In 2008, the Financial Planning Association named him as a 2008 Financial Frontiers Awards winner. His firm is listed by Wealth Manager magazine as the largest financial planning firm in a seven-state region. He is a past chairman of the South Dakota Investment Council, managing $6 billion and currently is a faculty member at Golden Gate University.His work and research has been featured or cited in scores of periodicals and books, including NBC’s Today, ABC’s 20\/20 and Good Morning America, The Wall Street Journal, The New York Times, The Washington Post, USA Today, Money magazine, BusinessWeek, and MarketWatch. He is a co-author of four revolutionary books on money, financial planning, and therapy: Facilitating Financial Health (NUCO 2008), Conscious Finance (FoxCraft 2007), The Financial Wisdom of Ebenezer Scrooge (HCI 2006) and Wired For Wealth (HCI 2009).

Marc S. Freedman CFP ® is the President and CEO of Freedman Financial, Inc; a nationally recognized financial planning firm dedicated to serving individuals and families who reside or have roots in the North Shore community of Massachusetts.As a second generation financial planner, Marc has almost two decades of experience in the financial industry and has received national recognition and accolades.Recently his firm was selected by Barron’s Winner’s Circle as one of Boston’s Top 50 Financial Advisors. Freedman has served on the Board of Directors for the 29,000 member Financial Planning Association (FPA), and in 2008 was appointed Chairperson for the Association's national conference, FPA BOSTON. This honor followed his successful leadership as the 2006 Chair for the FPA's National Conference in Nashville, TN. He is also charter member of the Foundation for Financial Planning, a nonprofit dedicated to helping individuals take control of their financial lives. In 2009 he appeared as a financial planning expert on the CBS Early Show and in 2008 he authored the book Oversold and Underserved – A Financial Planner’s Guide to Serving the Mass Affluent. (All author royalties from this book are donated to the Foundation for Financial Planning.) The book has been recognized by the industry as a blueprint for building a better relationship between financial planners and their clients. Marc's high energy and story-telling skills has made him a sought after speaker to both the professional financial planning community and the consumer public at large. He lectures both internationally and domestically on trends in the financial planning profession and practice management issues. Freedman has been quoted in national media outlets, including L.A Times, Wall Street Journal, Money Magazine, Business Week, USA Today, The Journal for Financial Planning, Financial Planning Magazine, Investment Advisor Magazine, Registered Representative, Boston Globe and Boston Herald. Freedman holds a passion for educating the public - as well as those who present themselves as financial advisors - about the enormous differences between investment advice and integrated financial planning. He believes that communication is the cornerstone of a good relationship, and that planning is the most important step toward a solid financial future.A graduate of Peabody Veterans Memorial High School and Babson College, Marc is married to Laura and has five children. He is an avid fan of the Boston Red Sox and the Wonderful World of Disney and it is his life-long dream to dress as a Disney Character in the Magic Kingdom for just one day – after then, happily retire as a guest relations cast member.

Stephen Huxley is Chief Investment Strategist and Founding Partner of Asset Dedication, LLC. A recognized expert in finance, investing and economics, Stephen has more than 35 years of experience researching and applying decision theory to real world problems. His prize-winning research in scheduling led to the development of the Asset Dedication approach, which applies a time and goals based approach to asset allocation. This work ultimately led to the book Asset Dedication: How to Grow Wealthy with the Next Generation of Asset Allocation (McGraw-Hill, 2004), which he co-authored with Brent Burns.Stephen is a tenured Professor of Decision Sciences at the University of San Francisco, where he has taught in the School of Business and Management since 1973. In 1988, Stephen won the National Franz Edelman Award for Outstanding Achievement in Management Science, the highest award given by the profession, for his work in scheduling. He has also received university awards recognizing his achievements in research, teaching and service, and frequently publishes articles in academic journals and presents papers at international conferences. Stephen holds a Ph.D. in economics from the University of California at San Diego and an undergraduate degree in business and statistics from Ohio State University.

Jeremy Siegel is the Russell E. Palmer Professor of Finance at The Wharton School of the University of Pennsylvania. He graduated from Columbia University in 1967, received his Ph.D. in Economics from the Massachusetts Institute of Technology in 1971. \n \n Prof. Siegel is the author of numerous professional articles and two books. His bestselling, Stocks for the Long Run, which published its 4th edition in 2008, was named by the Washington Post and Business Week as one of the ten-best investment books of all time. His second book, The Future for Investors: Why the Tried and the True Triumph over the Bold and New (Crown Business) was named one of the best business books published in 2005 by Business Week, the Financial Times, and Barron’s magazines. \n \n \nProf. Siegel has received many awards and citations for his research and excellence in teaching. In November 2003 he was presented the Distinguished Leadership Award by the Securities Industry Association and in May 2005 he was presented the prestigious Nicholas Molodovsky Award by the Chartered Financial Analysts Institute to “those individuals who have made outstanding contributions of such significance as to change the direction of the profession and to raise it to higher standards of accomplishment.”\n \n Other awards include the Graham and Dodd Award for the best article published in The Financial Analysts Journal in 1993 and the Peter Bernstein and Frank Fabozzi Award for the best article published in The Journal of Portfolio Management in 2000. \n \n In 1994 Professor Siegel received the highest teaching rating in a worldwide ranking of business school professors conducted by Business Week magazine and in 2001, Forbes named JeremySiegel.com as one of the “Best Business School Professor” websites. \nProf. Siegel currently serves as Academic Director of the Securities Industry Institute and Senior Investment Strategy Advisor of WisdomTree Investments, Inc., consulting the firm on its proprietary stock indexes.

Brent Burns is President and Founding Partner of Asset Dedication, LLC. Brent brings more than a decade of financial and investment expertise to his work in applying academic research to the development of practical and innovative portfolio strategies. Brent’s deep background in empirical finance formed the basis for Asset Dedication’s modeling and analysis. His work with Asset Dedication began more than a decade ago at the University of San Francisco, where he partnered with co-Founder Steve Huxley to study portfolio performance and the impact of withdrawal rates, inflation, and market conditions. Previously, Brent was a philanthropic advisor working with high net worth families and a financial advisor for Morgan Stanley in Orinda, California, targeting small business owners seeking fixed-income strategies. Prior to that, Brent ran an independent consulting business for small firms and managed the Family Office for his own family. He holds an MBA from the University of San Francisco.

As the President and Chief Investment Officer, Dan is responsible for all investment management and trading operations. He joined Direxion in 1999 and plays a leading role in the development and launch of new products and value added services for advisors and investors. He is a member of the Direxion Executive Management Committee.Prior to joining Direxion Funds, he served as Portfolio Manager: Private Equity Investments at Hermitage Capital Management Limited in Moscow, Russia. His responsibilities included monitoring investments by two hedge funds in illiquid Russian equities.Dan earned a J.D. from the University of Virginia School of Law, where he served on the editorial board for Virginia Law Review. He holds a BA in English and Economics from the University of Virginia in Charlottesville, where he was a Jefferson Scholar.