Banco Popular de Puerto Rico

Jim Carroll is chief technology officer at Mobica.

Zvi Bodie is the Norman and Adele Barron Professor of Management at Boston University. He holds a PhD from the Massachusetts Institute of Technology and has served on the finance faculty at the Harvard Business School and MIT's Sloan School of Management. \nProfessor Bodie has published widely on pension finance and investment strategy in leading professional journals. His books include The Future of Life Cycle Saving and Investing and Foundations of Pension Finance. His textbook, Investments, coauthored by Alex Kane and Alan Marcus is the market leader and is used in the certification programs of the CFA Institute and the Society of Actuaries. His textbook Financial Economics is coauthored by Nobel Prize winning economist, Robert C. Merton. His latest book is Worry Free Investing: A Safe Approach to Achieving Your Lifetime Financial Goals. In 2007 the Retirement Income Industry Association gave him their Lifetime Achievement in Applied Retirement Research Award. \n

Heather L. Locus, CPA, CFP® is a Principal of the firm and leads the Women’s Service Team. She was selected as one of The Business Ledger’s 2004 Influential Women in Business. She has been quoted in various publications including the AARP Bulletin, and Crain’s Chicago Business. She has taught many investment and financial planning classes during the past 15 years including the topic of Raising Financially Intelligent Children. She enjoys teaching second graders as a volunteer through Junior Achievement and learning something new every day from her son and daughter.

Scott A. Harshman is a tax and estate planning partner at Jeffer Mangels Butler & Mitchell LLP in Southern California. He has extensive experience in tax, trust and estate matters and business planning for high net-worth individuals, including wealth transfer planning, income tax planning, corporate and partnership taxation, business succession planning, and international estate and tax planning. Mr. Harshman also has vast experience in probate and trust administration, trust and probate litigation, and the structure and formation of nonprofit entities, including private foundations and public charitable organizations. A frequent author on tax and estate planning issues, his articles have been published in the Orange County Business Journal, California Trusts and Estates Quarterly, American College of Trust and Estate Counsel (ACTEC) Journal, Orange County Community Foundation magazine, and Estate Planning magazine; he has written chapters for the books, Inside the Minds: Trust and Probate Litigation (Thomson Reuters\/Aspatore) and California CEB Special Needs Trust Book, (Continuing Education of the Bar).\n\nPhone: (949) 623-7224\nEmail: SHarshman@JMBM.com\nWeb: www.jmbm.com

Maribeth Kuzmeski, President of the consulting firm, Red Zone Marketing, Inc founded in 1994. Maribeth and her firm personally consult some of the nation’s top financial advisors managing from $250 million to over $1 billion in client assets. They also work with broker dealers and insurance companies on strategic marketing planning, recruiting, and business growth.Maribeth has written 5 books including the bestsellers “…And The Clients Went Wild!” (Wiley, 2010) and “The Connectors” (Wiley, 2009). She is an international keynote speaker and has spoken at the Million Dollar Round Table. She has created many marketing campaigns as well as social media guides for broker dealers, insurance and mutual fund companies.Maribeth is a regular media contributor appearing on Fox, ABC News, NBC, WGN-TV, The New York Times, The Wall Street Journal, Business Week, Entrepreneur and Forbes, National Underwriter and Registered Rep.She has a degree in journalism from Syracuse University and has an MBA from The George Washington University. Maribeth lives in the Chicago, IL area with her husband Rich and 2 teenagers.