Banco Popular de Puerto Rico

Jerome (“Jerry”) S. Golden is widely acknowledged as one of the leading innovators in the financial services industry. His achievements include the design and\/or origination of major new products in three sectors -- retirement income, variable annuities and life insurance – but his influence extends across the industry.\n\nAs President of Golden Retirement, LLC, Golden is currently developing a new set of products and services that will be offered directly to retail investors, capturing them in a book he is drafting called "The Golden Rules of Retirement". These concepts include a patent-pending analytical system for designing and evaluating retirement solutions, and an innovative set of such solutions primarily aimed at the vast, under-served population of middle-income and mass-affluent Americans.\n\nPrior to founding Golden Retirement, LLC, Golden was President of the Income Management Strategies Division of MassMutual Financial Group, where he and his team developed The Retirement Management Account (RMA), a patent-pending managed account platform that converts retirement savings into retirement income. Initially conceived at his firm Golden Retirement Resources (acquired by MassMutual in 2005), RMA has been described by Cerulli Associates as the quintessential managed account platform for retirement income.

Steven M. Ayer, CIMA ®, AIF®, is a Managing Director and Partner with Strata Wealth Management at Hightower Advisors LLC. Ayer has been in the financial industry since 1994. He worked at two of the largest broker\/dealers on the Street before joining Hightower, a premier, registered investment advisory firm with a national presence. After acquiring a degree in Finance from Southern Connecticut State University, he amassed a broad knowledge of economics, asset allocation, and alternative investments which he uses to complement Strata Wealth Management's diversification strategy. Ayer is going to begin hosting his own radio show at http:\/\/www.voiceamerica.com\/show\/1938\/strategic-wealth , starting July 21, 2011 at 11am EST every Thursday. The show's title is Strategic Wealth: Choosing Financial Simplicity. Steven currently resides in Ledyard, Connecticut, with his wife Delia and their four children, Cyrus, Sofia, Madison, and Isobel. Therefore, it has been a natural progression for him to release this set of principles that he uses to help him make better choices, not only at work, but in life in general. These Quotes, Thoughts, and Actions have been a true blessing to him. They have been instrumental in helping him overcome the many challenges of life along with those that accompany a financial advisory practitioner in the midst of one of the worst economic\/market environments in the history of the United States. \n\n

Jean Loewenberg is executive vice president of Loomis, Sayles & Company and\ngeneral counsel overseeing the legal and compliance department. Jean began her investment\nmanagement career in 1977 and joined Loomis Sayles in 2003. Prior to Loomis Sayles, she\nworked for Columbia Management Group, Inc. as head of the legal department and at Fleet\nNational Bank as manager of attorneys. Jean earned a BA from University of Wisconsin and\na JD from University of California at Los Angeles.

Sandra Timmermann is the Director of the MetLife Mature Market Institute. In this role, she is responsible for MetLife’s information and policy resource center for issues concerning aging, retirement, long-term care, and the mature market. She is a nationally recognized gerontologist with over 25 years of experience in the field of aging. Prior to joining MetLife in April 1997, Timmermann held senior staff positions with several national aging organizations, including the American Society on Aging, AARP, and SeniorNet. Earlier in her career, she worked with corporate clients as an account supervisor in public relations and marketing agencies.\n\nTimmermann writes the Financial Gerontology column for the Journal of Financial Service Professionals. She is a frequent speaker at conferences and seminars, such as World at Work, Mid-Sized Pension Management, American Society on Aging, and the International Society of Certified Employee Benefit Specialists, and has been interviewed by major media, including the Wall Street Journal and the New York Times. She serves on the Boards of Directors of the American Society on Aging, the National Alliance for Caregiving, and the Southwestern Connecticut Area Agency on Aging. In addition, she is Chair of the Business Forum on Aging and is listed in Who’s Who in America. Timmermann received a BA degree from the University of Colorado and MA and Ed.D. degrees from Columbia University.

Wayne is the CEO of Commonwealth. A member of the firm’s senior management team since 1999, he is responsible for managing our primary objective of providing indispensable products and services to our network of independent financial advisors. Wayne began his career in Commonwealth’s Accounting department in 1989, and, over the past 20 years, he has gained experience in virtually every facet of the firm. As one of the pioneers of our wealth management initiative, he has an extensive background in managing the firm’s research, insurance, financial planning, retirement, and registered investment adviser divisions. Wayne is an alumnus of the Harvard Business School, having graduated from the Owner\/President Management Program. He received a BS in business management from Northeastern University, graduating with honors. Wayne also served as chairman of the IAFP’s Financial Products Advisory Council. He holds a number of FINRA registrations. Wayne also currently serves on the board of directors of Calling All Crows, a nonprofit organization dedicated to empowering women around the world.

Jeffrey Berkowitz is a tax and estate planning partner at Jeffer Mangels Butler & Mitchell LLP in Los Angeles. Berkowitz practices in the areas of tax, estate and family planning, trust, probate, entertainment and general business and real estate law. He has expertise in all aspects of taxation including individual, corporate, real estate, partnership, controversies and estate planning. He specializes in structuring complex transactions and representing closely-held businesses and wealthy individuals. Berkowitz speaks and writes on various local and Federal tax-related issues. Earlier in his career, he practiced as a Certified Public Accountant in Massachusetts.\n\nPhone: (310) 785-5363\nEmail: JBerkowitz@JMBM.com\nWeb: http:\/\/www.JMBM.com

Ivy Menchel, President of Family Wealth Planning Partners, began her financial services career more than 18 years ago at a premier full-service brokerage firm. In addition to her comprehensive financial planning practice, she currently works with divorcing clients, matrimonial attorneys and mediators to address the financial issues of divorce and assess their options for fair and equitable settlements. Ivy supports and educates her clients, and their advisors, through the entire divorce process. She is trained in mediation and though she does not practice mediation, these skills are utilized in collaborative, litigated and mediated cases. She has been a guest speaker on television and radio talk shows and has been the presenter at many workshops. Ivy's mission is to empower clients to make sound financial decisions today and in the future for themselves and their families.