Banco Popular de Puerto Rico

Karen blends her focus on strategies for wealth preservation and risk management together with her considerable experience with Merrill Lynch to help high-net-worth clients pursue their investment goals. Karen, who joined Merrill Lynch in 1983, was named one of the Top 1,000 Financial Advisors by Barron's in 2010. She is extremely service oriented, with a strong interest in opportunities for international investing.Karen attended Smith College, then transferred to Florida State University where she earned a Bachelor's degree in International Affairs. Karen also earned a Master's degree in International Development at North Carolina State University. She supports the Everglades Foundation, the National Trust for Historic Preservation and local food banks in Palm Beach County. Karen and her husband, Russell Hibbard, live in Lake Worth, Florida.\n\n

Nadia Allaudin is a Resident Director, Senior Vice President - Investments, and Wealth Management Advisor with Merrill Lynch Global Wealth Management in Century City, CA. In these roles, she manages the assets and liabilities of business owners and professionals, working closely with CPAs and attorneys to ensure her clients wealth maximization. With 12 years of experience, Nadia oversees the investment management of approximately 75 clients with total assets and liabilities of $120 million. In addition, she also manages 100 Financial Advisors and staff in the Century City office and drives Merrill Lynch’s diversity initiatives in the greater Los Angeles area. Nadia has extensive experience in financial strategies, liability management, education planning, and retirement services.In 2010, Nadia organized the fifth annual Women, Wealth and Wisdom Conference, bringing more than 300 female financial advisors and clients together to build relationships and hear nationally recognized speakers discuss such topics as best business and work\/life practices. Nadia was recently awarded the prestigious Bank of America Diversity & Inclusion Recognition award as she expanded the conference into three additional markets after receiving vastly positive responses from attendees. Nadia is also teaching a Women, Wealth and Wisdom course at UCLA’s extension program for working professionals looking for guidance on work\/life balance and career advice.A native of Los Angeles, Nadia serves on various economic planning boards within the business community, focusing on the financial needs of families. She is also involved in local high school and college programs developing future financial professionals such as UN Global Classrooms, Principal for a Day, Project Grad and the Career Advantage Program at the University of Southern California.Given her distinguished expertise, local media organizations frequently rely on Nadia’s financial advice and insight. She has provided expert comments on timely topics including asset allocation, market volatility and retirement planning, among other issues that matter to investors.In addition to her work, Nadia enjoys scuba diving and yoga. As a certified diver, she travels once a year to diving destinations around the world such as French Polynesia, Dubai and the Cayman Islands. Nadia recently completed her yoga teacher training program at Yogaworks and is now a certified yoga instructor.Nadia earned her Bachelor’s of Science Degree in Business Administration with a dual emphasis in Finance and Business Communication from Marshall School of Business at the University of Southern California.

Ellen is a Senior Philanthropic Advisor in the Philanthropic Management group at Bank of America Merrill Lynch. As such, she works exclusively with individuals and their private foundations to deliver strategic planning around charitable objectives, provide education on best practices and increasing social return, design mission statements, create grant strategies, and examine succession plan and next generation issues to help clients build and sustain their philanthropic missions. Among Ellen’s many philanthropic endeavors, she on the board of the Women’s Foundation of California Los Angeles and Foundation for California Community Colleges and is a partner with Los Angeles Social Venture Partners.

As Managing Director of Los Angeles-based American Financial Network,Denise Villanueva oversees the growth and development of a thriving\nfinancial planning and wealth management firm. She works directly with the founder and president of the company, Brett S. Ellen, and other top\nexecutives at the firm to bring independent financial solutions to both individual and corporate clients. Mr. Ellen has been the #1 advisor and the #1 producer with Securities America, one of the largest independent\nbroker\/dealers in the nation, for many years. The AFN team is also known for its training and empowerment program for financial advisors, which ties in to their innovative Collaborative Services Platform and Financial Solutions\nAlliance groups. Denise has a degree in Economics from UCLA and over 20 years of experience in business marketing and development. She has worked\nfor Victoria's Secret, The Walt Disney Company, Magic Johnson Enterprises,IBM and the Los Angeles Raiders.

Julia Gordon is Relationship Manager at Schwab Charitable™, a leading national provider of philanthropic services. Schwab Charitable is the largest charity in California and the 10th largest charity in the country, with over $4 billion in contributions and over $2 billion granted to charity. \n\nMs. Gordon oversees business development in Southern California, Washington D.C. as well as the Southern and Midwestern regions of the country. For the past six years, she has provided charitable giving counsel and planning resources for individuals, families, and wealth managers nationwide, giving her knowledge of estate planning practices and tax-smart philanthropy. Having held roles at Schwab Charitable and in private foundation administration, she has a unique understanding of charitable planning as it pertains to integrated wealth strategy.\n\nMs. Gordon brings over ten years of experience in the financial services industry to Schwab Charitable. Prior to her career in the charitable planning sector, she managed securities lending and market-maker relationships on two exchanges as a representative of ABN AMRO in California and New York. \n\nMs. Gordon regularly lends her donor relations and technological expertise to Northern California non-profits such as The Maybach Foundation, Big Brothers and Sisters of America, and Beyond Hunger. She lives in the Bay Area where she is finishing her MBA, with expected completion in 2011. \n