Banco Popular de Puerto Rico

Saly joined Merrill Lynch in 1980 after graduating from Cornell University, where she studied Psychology. Her practice is ranked #1 in the Philadelphia Complex, and was ranked the 2nd largest practice in Merrill Lynch for 2009. She invests more than $2 billion for high net worth individuals, corporations, and institutions.Since The Barron’s Winner’s Circle was initiated, Saly has been listed consistently in the top third of the Barron’s 100 Best Brokers. She is listed #1 in the 2008 Top 100 Women Financial Advisors and in a 2009 state by state ranking she is listed #1 for the Commonwealth of Pennsylvania.Saly was a leader in the early 80's, advocating a comprehensive financial planning approach to clients. She designed and implemented a custom affinity group 401(k) plan, and developed a segment of her practice specifically for retirement planning for businesses.She has served as an active advisor and instructor at the Merrill Lynch National Training Center in Princeton, NJ, and personally developed and presented elements of the Advanced Training Curriculum. She has also been a Faculty Member of Wharton's Securities Industry Institute. Saly was featured in national advertising campaigns in the mid 80's and 90's designed to emphasize the importance of working with a Financial Advisor to develop solid, long-range goals.A competitive athlete and equestrian, Saly has been competing nationally for 40 years. Her passion for the outdoors has her committed to land conservation in her community and surrounding areas. She and her husband, Allan, have 2 daughters; Janice, 18, and Lauren, 13.Saly also owns a thriving fitness center and retail wellness store, Kindle Hill LLC in GwyneddValley, PA. Recently she has developed a wellness protocol to help clients lower life insurance premiums.The Glassman Group operates within Merrill Lynch, the leading firm in wealth management, investment banking, and research. The Glassman Group's mission is to deliver the ultimate financial services experience to clients. The team cultivates deep, long-lasting relationships by providing exceptional service, comprehensive advice, and consistent investment returns. Additional value is provided by sensitivity to risk and a beneficial cost structure.The all-female team has more than 140 years collective experience in the financial services industry. Each member has a distinct role in the financial planning process, creating a cohesiveness that allows clients to feel confident that their goals can be achieved. The team is committed to continually evaluating and improving its capabilities. Their culture promotes education and innovation in the interest of delivering the greatest value to their clients. One example of this is the recent addition of a Concierge Service for High Net Worth clients. This service ranges from offering access to special events to helping clients' children with their resumes and college applications.

Throughout a distinctive career earning her executive management positions at some of the world’s largest financial services institutions, Clara Sierra has always stood apart: for her extraordinary professional relationships, her remarkable passion for sales\/marketing, her unique personal background and, most of all, for her unrelenting drive to achieve the best-possible results for her employees, employers and her clients.Over the course of two decades Ms. Sierra has emerged as a dominant figure in financial services.As Executive Vice President and Director of Strategic Alliances for Sentinel Investments– a position she assumed in 2007 – Ms. Sierra has global responsibility for Sentinel Investment’s relationship management team, sustainable investing research team, and advisor training and development through Sentinel Investment’s University. Throughout her diverse financial services career path, driving training and development programs has been a consistent element of her ever-evolving professional responsibilities.Prior to Sentinel Investments, Ms. Sierra held a series of progressively more senior positions at AIG Advisor Group. Recruited in 2002 as Senior Vice President and Director of Advisory Services, Ms. Sierra was responsible for the company’s entire fee-based advisory business, with over $40 billion in assets under management across five broker dealers.In this role, she oversaw all crucial elements of the advisory business ranging from sales, training, marketing, technology operations and compliance; Ms. Sierra also successfully integrated the five previously competing broker dealer advisory divisions, This included launching the first shared advisory platform among each of the five brokers dealers (Vision 2020 Advisor) raising one billion in assets under management, in the platforms first two years.During Ms Sierra tenure at AIG Advisor Group; she also became director of Marketing, and Meetings\/Events for all five of the AIG broker\/dealers, and was the only woman to serve on AIG Advisor Group’ executive management team (launched in 2006).Ms. Sierra entered the financial services industry in 1990, when she joined the former Alliance Capital (now Alliance Bernstein) and began establishing the blueprint for her financial services career. Over the course of nearly 13 years, she became involved in virtually every element of asset management – including customer service, internal and external sales, marketing, and portfolio management research.“I’m fond of the quote, ‘Prepare for the worst, plan for the best,’” says Sierra. “Above all, my work – and my life – has been driven by relationships. Each of these relationships has enabled me to grow, and helped me advise my employers, my employees and our clients through every possible sales, marketing and asset management scenario.”Ms. Sierra holds Series 6, and 26 licenses. A graduate of Fairleigh Dickinson University with a bachelor’s degree in business management, she is an active member of the Women Unlimited (WU) Mentorship Program (NY\/NJ Chapter). She is Latina, married with two children and resides in Central New Jersey.

\nRosemarie leads a team that provides the guidance, education and support that help Women in Transition get back to a new beginning. She has significant expertise in the area of working with women who are experiencing divorce or have become widowed.\n\n\nRosemarie volunteers a considerable amount of time empowering women by promoting financial literacy. She speaks frequently on the importance of financial planning for women and provides guidance on how to get started. Her recent speaking engagements include: The Governors Conference for Women; The New Jersey Society of CPAs; The Women’s Institute at Bergen Community College; and the Institute of Continuing Legal Education. Prior to joining the firm in 2008, she spent the majority of her career in the banking industry. \n\n\nShe holds board positions in: Volunteer Management Center in Morristown, NJ; The Women’s Institute at Bergen Community College; the YWCA Women’s Education Task Force, the Executive Women’s Leadership team of the American Cancer Society “Go Red” initiative and the New Jersey Coalition for Financial Education. Her memberships include: New Jersey Association of Professional Mediators, The New Jersey Chapter of the Association of Family and Conciliation Courts, The New Jersey Collaborative Law Group, The Mid Jersey Collaborative Law Group, and Executive Women of New Jersey. \n\n\nRosemarie earned a Bachelor of Science degree from St. Francis College. She is a Certified Financial Planner, a Chartered Life Underwriter and is Certified as a Divorce Financial Practitioner. She holds Series 7 & 66 New Jersey life and health insurance licenses. \n\n\nShe was named by NJBiz as one of New Jersey’s Best 50 Women in Business in 2011. \n

\nJodie Orozco, a Marketing Product Manager, joined Raymond James in June of 2009. In addition to delivering a suite of social media tools to the Raymond James advisor network, Jodie is also responsible for the creation, development and ongoing management of many other client communications and financial advisor resources.\n\n\nJodie is Series 7 licensed and graduated cum laude from the University of Florida’s Warrington College of Business Administration where she earned a Bachelor of Science in Business Administration with a specialization in Marketing and minors in Mass Communications and Packaging Sciences. A proud native of Tampa, Florida, Jodie enjoys spending her free time on the shores of the Gulf Coast. She serves as an ex-officio member of the Board of Directors for the Raymond James Gasparilla Festival of the Arts.\n

\nLaila Pence is a very successful financial planner with over 30 years of experience. \nBarron’s magazine & Orange County Business Journal rank Laila the top advisor in Orange County, and #13 nationally in the Barrons’ TOP 100 Women. Laila has received a Five Star Award four years in a row. In June, Laila was honored by Orange County Orange County Business Journal with their Women of the Year in Business Award. \n

Dave Grant, a Financial Planning columnist, is founder of Retirement Matters, a planning firm, in Cary, Illinois. He is also the founder of NAPFA Genesis, a networking group for young fee-only planners. Follow him on Twitter at @davegrant82.