Banco Popular de Puerto Rico

Michael McGlone is senior director, commodity indices, at S&P Indices. In his role, Mike oversees day-to-day management of the S&P commodity business and the S&P GSCI„µ, widely regarded as the leading measure of general commodity price movements and inflation in the world economy. Additionally, Mike authors the monthly publications, Market Attributes: Commodities, highlighting developments in the commodity markets as measured by the S&P GSCI, and Market Attributes: Strategic Futures, monitoring trends in the managed futures market as measured by the S&P Dynamic Futures Index.Prior to joining Standard & Poor¡¦s in 2007, Mike was chief strategist at Lyford Group International Ltd., a global macro hedge fund. Mike began his career at Discount Corporation of N.Y. Futures on the Chicago Board of Trade, and has over 20 years of derivatives trading experience. Mike left the Chicago trading pits in 1993 to become the OTC options trader for Aubrey G. Lanston & Co. Inc, based in New York. He subsequently joined ABN AMRO as Head of North American Futures Research.Mike is a CFA charter holder and certified FRM. He holds a B.S. and B.A. from Illinois State University, and an MBA from Depaul University in Chicago.

In 2006, Dr. Gregory Salsbury published his award-winning retirement planning guide, But What If I Live? The American Retirement Crisis®. In addition to being an indispensable resource for the millions of Baby Boomers preparing to exit the workforce, the book also brought to light a host of challenges that posed a serious threat to Americans’ retirement security.\nThree years later, the nation is contending with the worst economic crisis since the Great Depression, and the issues Dr. Salsbury described in The American Retirement Crisis have taken on a whole new dimension.\n“The original concept for my next book was to examine retirement planning through the lens of behavioral finance,” said Dr. Salsbury. “When the crisis hit, it amplified the very issues I intended to discuss, and had a profound impact on the financial security of millions of Americans. My new premise became: Investor psychology meets retirement planning in the midst of a once-in-a-lifetime financial meltdown.”\nRetirementology is Dr. Salsbury’s term for the new way of thinking he believes we must adopt in order to address the fundamental changes in our economic environment.\n“In this market, managing emotions is just as important as managing investments,” Dr. Salsbury said. “The essential questions I try to answer in the book are, ‘How has the new environment impacted spending and saving habits?’ and ‘What can we do to get back on track for our retirement?’”\nDr. Salsbury has spent more than 20 years researching and writing about retirement planning and investor psychology. While gathering material for Retirementology, he conducted focus groups with dozens of couples and families at various stages of their financial journeys. These revealing “man-on-the-street” interviews are sprinkled throughout the book, providing a valuable glimpse into the real-life challenges Americans are facing.\nHe is also a frequent keynote speaker and widely published author in the areas of employee motivation and marketing communications. He earned his doctorate from the University of Southern California and received Master’s degrees from both the University of Illinois and USC’s Annenberg School for Communications.\nDr. Salsbury is currently executive vice president of Jackson National Life Distributors LLC, the sales and marketing organization of Jackson National Life Insurance Company® (Jackson®). He lives in Denver, Colorado, with his wife and three children.

Brian Gaffney is a Managing Director and Chief Executive Officer of Allianz Global Investors Distributors (AGID). Based in New York City, the company is responsible for retail distribution and marketing for Allianz-owned asset managers in the U.S. including PIMCO, RCM, NFJ Investment Group and Allianz Global Investors Capital.Prior to joining AGID in July of 2008, Mr. Gaffney was a Managing Director and Head of Retail Distribution for Neuberger Berman, a position he held since 1999. Mr. Gaffney joined Neuberger Berman in 1993, having started as a regional vice president in the Institutional Mutual Funds division and subsequently as a senior vice president and National Sales Manager. Prior to joining Neuberger Berman, Mr. Gaffney was a regional vice president for Cigna Retirement Services from 1988 to 1993. He holds a BA in Sociology from Stonehill College.\n\n

Hugh Massie, is an international Wealth Mentor and the author of “Financial DNA® – Discovering Your Unique Financial Personality for a Quality Life” published by John Wiley & Sons in February 2006.Hugh introduces a very different approach to wealth creation and how you can build a quality life. This “understanding people before numbers” approach has evolved with his own personal development and experiences through a very diverse career initially as a tax specialist with Arthur Andersen in Sydney, Singapore and Thailand, then in 1996 starting his own financial services firm in Sydney, Australia and then in 1999 commencing the development of Financial DNA with an experienced team. Since its full commercialization in 2003 Financial DNA has become an international financial behavior consulting business, with Hugh now based in Atlanta, Georgia.Hugh and his team have trained over 4000 advisors worldwide in the Financial DNA® Discovery Process to position them as wealth mentors. Financial DNA Resources also conducts a range of comprehensive wealth mentoring programs for investors, families, and business owners to help them with their wealth creation and building a quality life aligned to the core of who they are.

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. \nPrior 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.

Jim completed his B.A.Sc. (Bachelor of Applied Sciences) degree in Mechanical Engineering at the University of Toronto in 1975. Subsequently, he received his M.Eng. (Master of Engineering) degree at the same university. After spending several years in engineering and investing for his own account, he started his financial planning career in 1995. He is the author of several books; the most recent one is “Unveiling the Retirement Myth – Advanced Retirement Planning based on Market History”. It is a non-Gaussian approach to retirement planning. Before that, he wrote “High Expectations & False Dreams – One Hundred Years of Stock Market History Applied to Retirement Planning”, where he first pointed out the devastating effects of the sequence of returns, market cycles, the luck factor and the time value of fluctuations. His first book was about Canadian dividend reinvestment plansHe contributed a chapter to "Retirement Income Redesigned - Master Plans for Distribution", a book by Bloomberg Press, published in 2006. He also contributed content for Canadian Securities Institute courses on distribution planning. He has written over a hundred articles and numerous portfolio reviews for various magazines on retirement planning internationally since 1996. He is quoted in the news media on retirement and financial planning issues. Jim's expertise stems from applying his engineering and technical analysis background to retirement planning. His article series in Retirement Planning won him the prestigious CFP-Board Award for 2001. He won this award a second time in 2002 on the same subject – about market cycles and sequence of returns. Jim is an independent financial advisor. He gives workshops on non-Gaussian advanced retirement planning across the country. He is the founder of retirementoptimizer.com and aftcast.com

Timothy Noonan is managing director capital markets insights for Russell Investments. Timothy heads the group responsible for shaping and delivering clients services strategy, and delivering capital markets information to private client advisors. He is a senior advisor to Russell's chairman of the private client services investment advice and policy committee. He is a member of Russell's global innovation council where he represents Russell's global retail service line. Tim also heads the China\/India workgroup. He currently shares his time between Russell's London office and the U.S. Headquarters in Tacoma, Washington.\nTimothy joined Russell in 1992 from the Lotus Development Corporation in Cambridge, Massachusetts, where he helped to pioneer real-time spreadsheet product development for securities trading applications. Upon joining Russell he initially supervised the re-engineering of Russell's performance measurement and asset allocation analytic software suite.\nIn 1994, he was appointed assistant to the global chief investment officer, a post he held through 1999, specializing in high net worth investment product design.\nIn 1999 Timothy transferred to Russell's U.S. distribution business to manage development of new business partnerships, Russell's U.S. individual investor services business. He led that effort through 2006, chairing Russell's business acceptance committee responsible for vetting all new distribution relationships in the U.S.\nIn 2006 Timothy was appointed head of product development and management for Russell's U.S. private client services business, at which time he formed the capital markets insights group, its charter is to keep advisors informed of Russell's viewpoints on a broad range of investment research, economical and market environment, product and client service topics. In addition to those duties, he also frequently represents Russell at client and industry events and with the media. He took his current post in 2007.\nNoonan is a registered investment advisor in all 50 states

Speaker, seminar leader, author, and coach, Anne Miller helps people in high stakes situations with the strategic thinking and skills they need to close a deal, nail a presentation, or wow a crowd. The Blackstone Group, Time, Inc., Booz, and Goldman Sachs represent leading firms that have experienced her original and practical programs.Featured frequently in print and online, Anne is the author of four books, the latest being “Make What You Say Pay” and her popular free “Metaphor Minute” Newsletter. Anne lives with her family in New York City.www.annemiller.com

Elaine Stokes is a vice president of Loomis, Sayles & Company and portfolio manager for the Loomis Sayles fixed income group. She has 23 years of investment management experience. In addition to working as associate portfolio manager for the firm's flagship Loomis Sayles Bond Fund—which won the 2009 Morningstar Fund Manager of the Year award in the fixed income category—Elaine also manages a variety of mutual fund and institutional strategies, including the Fixed Income, High Income, Institutional High Income, Investment Grade Bond, Investment Grade Fixed Income and Strategic Income funds, and the Multisector Full Discretion, Core Plus Full Discretion, High Yield Conservative and High Yield Full Discretion portfolios. Elaine has experience working in high yield and global markets. She has also worked as a trader and portfolio specialist. Elaine earned a BS from St. Michael's College.