Banco Popular de Puerto Rico

Bill Meyer is chief executive of Social Security Solutions and the developer of Income Solver, software for advisers to create optimized withdrawal strategies.

Mike Scarborough is a pioneer in the 401(k) advice industry, offering education, guidance and allocation management to help people maximize their retirement plans.\n\nScarborough is the company’s featured speaker. He travels the country giving educational seminars to employees of Fortune 500 companies about their 401(k) plans. He is a frequent speaker on the topic of 401(k) plans at industry conferences and on CNBC.\n\nIn addition, Scarborough’s comments have appeared in numerous national publications, including Kiplinger’s Personal Finance Magazine, Money Magazine, Pensions & Investments, The Chicago Tribune, USA Today and The Wall Street Journal.\n\nScarborough's book, The Scarborough Plan: Maximizing the power of your 401(k), provides insight into company sponsored savings plans and offers easy to understand recommendations on strategies to improve the performance of hard-earned savings.\n\nScarborough currently serves as a member of the Board of Directors of the Sigma Alpha Epsilon Fraternity and Foundation. He is also active on the Board of Trustees at Salisbury University where he created an endowment establishing the Scarborough Student Leadership Center.\n\nScarborough earned a Bachelor of Science in Finance at Salisbury University and earned his MBA in Finance from Baldwin-Wallace College.\n\nHe has taught personal finance and economics courses at Salisbury University and Johns Hopkins University.\n\n

John E. Nelson writes and speaks on careers and retirement planning. He is coauthor of What Color is Your Parachute? For Retirement. Nelson’s work has been covered in Money, The New York Times, USA Today, The Wall Street Journal, and elsewhere. His well-being model has been used for employee education by the federal government, AARP, Fortune “100 Best Companies to Work For” and others. Nelson has taught at the University of Wisconsin, where he’s still trying to find time to finish a PhD. He lives in Madison, Wisconsin, with his wife and three sons. Read more at johnenelson.com.\n\nRead more: http:\/\/moneyland.time.com\/author\/johnenelson\/#ixzz1WifavAgW

Chuck Miller is a strategist, project manager and content producer. He has worked with insurers, investment advisers, consulting firms and plan sponsors across all media platforms, with significant experience in new media strategy and production. \n\nMiller is the co-author of Employee Benefit Communications: A Guide published by BLR and The Employee Benefit Communications Toolkit, published by CCH.

Jason J. Fichtner is Senior Research Fellow at the Mercatus Center, a university-based research center at George Mason University. Previously, he served in several positions at the Social Security Administration (SSA) including Deputy\nCommissioner of Social Security (Acting), Chief Economist and Associate Commissioner for Retirement Policy. Prior to the Social Security Administration, Dr. Fichtner was a Senior\nEconomist with the Joint Economic Committee (JEC) of the United States Congress.\n\nDr. Fichtner's primary research interests and publications address issues such as Social Security, federal tax policy, federal budget policy, retirement security, and policy proposals\nto increase saving and investment.\n\nBefore joining the JEC, he was a Senior Consultant with the Office of Federal Tax Services of Arthur Andersen in Washington, DC. At Arthur Andersen he worked on transfer pricing issues for large multinational corporations to ensure compliance with U.S. and international tax\nregulations. Jason started his DC-based career as an Economist with the Research Division of the Internal Revenue Service, where he forecast return volumes and developed econometric models to assist tax compliance and administrative initiatives.\n\nJason received his Bachelor of Arts degree from the University of Michigan, Ann Arbor; his Master of Public Policy degree from Georgetown University; and his Ph.D. in Public Administration & Policy from Virginia Tech. His dissertation research focused on the use of tax distribution tables in the federal tax policy arena.\n\nJason was elected by his fellow Georgetown alumni to serve a two-year term on the inaugural\nGeorgetown Public Policy Institute Alumni Board starting in 2005. He was subsequently elected\nChairman by the other members of the Board. He continues to serve as a member of the GPPI Alumni\nBoard. Jason was honored as the 2006 recipient of the Colin Campbell Award, which recognizes GPPI\nalumni for their support of the GPPI community. Jason was also honored by Virginia Tech, as the\nrecipient of the Outstanding Recent Alumnus of the College of Architecture and Urban Studies for 2009-2010.\n\nDr. Fichtner serves on the Adjunct Faculty at the Georgetown Public Policy Institute, the Johns Hopkins School of Advanced International Studies and the Virginia Tech Center for Public Administration & Policy where he teaches courses in Economics, Public Finance, Public Policy Process, Public Management and Public Budgeting Processes.

Boettner Professor; Professor of Business and Public Policy\n\n\nEDUCATION: 1995 Ph.D. Economics, Harvard University \n1992 M.A. Economics, Harvard University \n\n1990 B.S. Computer Science, Ohio State University \n\n1990 B.S. Economics, Ohio State University \n\n \nPublications \nKent Smetters, S. Nishiyama (2007), “Does Privatizing Social Security Increase Efficiency?”, Quarterly Journal of Economics, (4): 1677 - 1720 \nKent Smetters, Jagadeesh Gokhale (2007), Do the Markets Care about the $2.4 Trillion U.S. Deficit?, Financial Analysts Journal, Volume 63, Number 2: 37 - 47 \n\n \nCurrent Research \nKent Smetters, Julia Li 2011, Optimal Portfolio Choice with Wage-Indexed Social Security \nKent Smetters, Walter Theseira 2011, A Matter of Trust: Understanding Worldwide Public Pension Conversions \nKent Smetters, Ying Chen 2009, Optimal Portfolio Choice over the Life Cycle with Social Security \nKent Smetters, Shinichi Nishiyama 2009, Richardian Equivalence Under Asymmetric Information \nKent Smetters, Walter Theseira 2009, A Matter of Trust: Understanding Worldwide Public Pension Conversions \n

Kevin Seibert joined the International Foundation for Retirement Education (InFRE) in 2003 and now serves as Managing Director. He has almost 30 years experience in retirement benefits, financial planning, and financial education. Kevin is co-author along with Betty Meredith, Director of Education and Research for InFRE, of a series of the Managing Retirement Income professional education courses presented to more than 12,000 advisors and Certified Retirement Counselors® since 2004.\n\nPrior to InFRE, Seibert was co-founder of Balance Financial Services, a Chicago area financial planning and consulting firm. Before founding Balance in 1988, he was a consultant for William M. Mercer, Inc. and was responsible for the implementation of compensation and employer provided benefit plans. Seibert was also Director of Marketing for a New Jersey based company specializing in the development and distribution of defined contribution and financial planning programs.\n\nSeibert is a Certified Financial Planner® (CFP®), a Certified Employee Benefits Specialist (CEBS), and a Certified Retirement Counselor (CRC®). Kevin earned his MBA in finance from the University of Wisconsin and received his undergraduate degree in finance from Miami University of Ohio. Serving as Treasurer and Executive Board member for the Greater Chicago Chapter of the International Society of Retirement Planners, Seibert played an active role in providing on-going retirement planning education to professional and employer members of this organization. He is considered a leading expert on retirement income management, presenting at dozens of conferences and quoted in Investment News, Financial Planning Magazine, the Retirement Income Journal, and other financial publications.