Banco Popular de Puerto Rico

As Pioneer’s Practice Management Director, Karen has two goals: The first is to help clients achieve their financial goals through understanding and overcoming their behaviors and investing biases. The second is to help financial professionals strategize and plan for their business success.\nKaren is an accomplished speaker with over ten years of industry experience and extensive knowledge of the intricacies of retirement planning. In addition to her role as Practice Management Director, she is also head of Pioneer’s CE department and lead author for Pioneer’s proprietary CE and client presentations on topics such Social Security, The Owner Only 401(k) Marketplace, and The Impact of Emotions on Investor Behavior.\nPrior to joining Pioneer, Karen was a Senior Analyst for Retirement Markets at Cerulli Associates. While there, she analyzed the trends and forces shaping the Defined Contribution, Defined Benefit, IRA and retirement income markets. She was also lead author for their annual reports that analyzed and segmented the U.S. retirement landscape.\nKaren was first introduced to the mutual fund industry during a college study abroad internship at a regional bank in Germany. There she was fascinated by the market movements and the impact it had on individual client accounts. She graduated with a double major in International Business and German from Gustavus Adolphus College, a small liberal arts college in Minnesota.

Constance Stone, CFP® served a diverse range of clients over the past 27 years. She co-founded Stepping Stone Financial, Inc. in 2004 to provide comprehensive fee-only™ financial planning in a fiduciary capacity. Connie particularly enjoys empowering single women over the age of 50, especially widows, through education and holistic advice. She also serves families with seniors in transition. She is honored to serve as an ambassador for the CFP® Board of Standards. Connie has been quoted in several local and national publications, including NAPFA Advisor, the Wall Street Journal, Kiplinger’s Personal Finance Magazine, the Journal of Financial Planning and the Plain Dealer.

Cynthia L. Conger is President of Conger Wealth Management, a comprehensive wealth management firm which provides advice on a fee-only basis. She was named to Worth Magazine’s lists of “The Best Financial Advisers in America” starting 1998 and their list of the “100 Top Wealth Advisers.”\nShe received both her Bachelor of Science degree in Accounting in 1981 and her MBA in 1983 from the University of Arkansas at Little Rock. She holds the CPA\/PFS and CFP professional designations. She was admitted to the Registry of Financial Planning Practitioners in 1987, and is listed in the current editions of Who’s Who in American Women, Who’s Who in America, and Who’s Who in the World.\nShe served as a Director on the International Association for Financial Planning’s Board of Directors from 1994 through 1998; as Chair of the task force for the IAFP’s 1994 Conference for Advanced Planning (CAP) in Washington, DC; and has also served on the task forces for the 1996 and 1998 IAFP Success Forums, Investment Advisor Magazine Wealth Management Symposium for 2002, and the AICPA PFP Conference for 2005 and 2006, and chaired the conference for 2007 and 2008. She has presented at numerous financial planning conferences around the nation.\nMs. Conger currently serves on the University of Arkansas Foundation Inc. Board, the Professional Counseling Associates Board, UALR’s Friends of the Arts Board and the Women’s Foundation of Arkansas Board. She was honored with the UALR Alumni President’s Award for Community Service.