APViewpoint thought leaders have been selected by Advisor Perspectives based on their reputation for providing unique insights on issues related to the advisory profession. Many are regular contributors to Advisor Perspectives and other publications and frequently serve as speakers at industry conferences. Thought leaders are not compensated; however, Advisor Perspectives makes a charitable donation on their behalf to recognize their valuable contributions.
Bob Veres has been a commentator, author and consultant in the financial services industry for more than 20 years. He is the editor and publisher of Inside Information, an interactive subscription-based information service for financial planning professionals. Bob has spoken at many of the planning world’s largest professional conferences, including FPA National, FPA Retreat, NAPFA National, Waterhouse Institutional, FPA Broker-Dealer Conference, First Trust DATAlynx National Conference, and all of the NAPFA Regional Conferences. Bob has been recognized for his contributions by Investment Advisor magazine and Financial Planning magazine and was granted the lifetime achievement award for service to the profession by NAPFA and the FPA.
Robert Huebscher is the founder and CEO of Advisor Perspectives and serves as its editor-in-chief. He is a frequent speaker at industry conferences and has written extensively on topics including investment management, portfolio construction, financial planning and global economics.
Blaine Aikin is the chief executive officer of fi360 and a recognized thought-leader in the field of financial advice and fiduciary responsibility. At the helm of fi360 sinec 2007, he has directed the rise to prominence of the company’s professional development capabilities, investment management platform for advisors, and business research and practice management services that help advisors and financial institutions to gather, grow, and protect investor assets. Mr. Aikin is a well-known speaker and author of numerous articles on the subjects of fiduciary responsibility and investment management. He is the author of the monthly Fiduciary Corner column in Investment News magazine. He has been named to Investment Advisor magazine's IA25 list of the most influential people in the investment advisory community and one of the ten most influential individuals in the 401(k) industry by RIABiz. He is currently serving as a member of the Board of Directors for the CFP Board of Standards. He is a Certified Financial Planner® (CFP®) professional, Chartered Financial Analyst® (CFA®) charterholder, and Accredited Investment Fiduciary Analyst® (AIFA®) designee.
Bengen Financial Services, Inc
William P. Bengen received a B.S. from M.I.T. in Aeronautics & Astronautics and a MS from the College for Financial Planning. He has had four careers: trained as an aerospace engineer, CEO of his family’s soft drink bottling business (NY), fee-only financial planning practitioner (CA), and currently a financial researcher and aspiring novelist (AZ). In the early 1990’s, in response to client questions, Mr. Bengen initiated research on the sustainability of withdrawals from stock and bond portfolios, which gave rise to the so-called “4% Rule.” He is frequently quoted in major financial publications. In 2006 he detailed his research in a book, “Conserving Client Portfolios.” in 2014 he received NAPFA’s Robert J. Underwood Distinguished Service Award. He currently lives in SaddleBrooke, AZ, where he is enjoying upsetting the status quo.
L.K. Benson + Company
Lyle Benson is the president and founder of L.K. Benson, a Maryland-based CPA and financial planning firm. As a leader in the financial planning and accounting professions, he has served in many roles at various professional organizations over the past 30 years and is the current chair of the AICPA PFP Division Executive Committee. He also serves on the CCH Estate and Financial Planning Advisory Board.
Institute for Private Investors
After 20 years on Wall Street, Charlotte B. Beyer founded the Institute for Private Investors (IPI) in 1991 to help improve the relationship between wealthy investors and their financial advisors. She also later launched the Investor Education Collaborative in 2004 to continue to spread the message of IPI, where she served as CEO for 21 years until her retirement in 2012. A pioneer in social media, IPI launched the first private investor online community, and many of those online conversations are included in Beyer’s book, Wealth Management Unwrapped. In 1999, Beyer collaborated with The Wharton School of the University of Pennsylvania to create the Private Wealth Management Program, the first private wealth management curriculum in the country for UHNW families. She continues to serve on the faculty of these five-day residential programs held twice a year at Wharton.
Alpha Wealth Strategies, LLC
Clark Blackman is the founder and president of Texas-based Alpha Wealth Strategies, and is a nationally recognized planner and advisor. He has 32 years of financial, tax and investment experience working with wealthy families and successful entrepreneurs around the country.
PGIM DC Solutions
David Blanchett, PhD, CFA, CFP®, is Managing Director and Head of Retirement Research for PGIM DC Solutions. PGIM is the global investment management business of Prudential Financial, Inc. In this role he develops research and innovative solutions to help improve retirement outcomes for investors. He is currently an Adjunct Professor of Wealth Management at The American College of Financial Services and Research Fellow for the Alliance for Lifetime Income.
David has published over 100 papers in a variety of industry and academic journals that have received a variety of awards. In 2021, ThinkAdvisor included him in the IA25 for "pushing the industry forward." In 2014, InvestmentNews included him in their inaugural 40 under 40 list as a “visionary” for the financial planning industry. When David isn’t working, he’s probably out for a jog, playing with his four kids, or rooting for the Kentucky Wildcats.
Zvi Bodie is a professor emeritus 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. 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. In 2007 the Retirement Income Industry Association gave him its Lifetime Achievement Award for applied research.
Tom Brakke is a consultant, writer, and investment adviser. He helps investment organizations and advisory firms evaluate and improve their investment processes, organizational structures, and the communication of their unique value propositions. Tom writes extensively on his own sites and in industry publications. He has been an analyst, portfolio manager, director of research, creator of investment products, professor, and expert witness, and was a consultant to the Global Research Analyst Settlement.
Briaud Financial Advisors
Janet Briaud is the founder and chief investment officer of Texas-based Briaud Financial Advisors. She is an internationally recognized expert in investment management and financial planning and a former president of NAPFA.
Brent Burns is president and a founding partner of California-based Asset Dedication, a provider of asset-management services to independent advisors. Brent brings more than a decade’s worth of financial and investment expertise to his work in applying academic research to the development of practical and innovative portfolio strategies. Brent’s work with Asset Dedication began at the University of San Francisco, where he partnered with co-founder Stephen Huxley as a McLaren Research Fellow to study portfolio performance and the impact of withdrawal rates, inflation, and market conditions. He and Huxley are the co-authors of Asset Dedication: How to Grow Wealthy with the Next Generation of Asset Allocation.
ReSolve Asset Management
Adam Butler, CFA, CAIA, is Co-Founder and Chief Investment Officer of ReSolve Asset Management. ReSolve manages funds and accounts in Canada, the United States, and internationally. The firm employs quantitative methods in the management of three multi-asset factor strategies in including Systematic Global Macro and Global Risk Parity strategies. Adam has 14 years of experience in investment management including 11 years as a Portfolio Manager, and is a sub-advisor for the ReSolve Adaptive Asset Allocation Fund (Canada), the Horizons Global Risk Parity ETF (listed TMX), and all ReSolve managed accounts including the ReSolve Online Advisor. Prior to co-founding ReSolve in 2015, Adam was a Portfolio Manager at Dundee Private Wealth, Macquarie Private Wealth, and Richardson GMP in Toronto, Canada. Adam is lead author of the book Adaptive Asset Allocation: Dynamic Global Portfolios to Profit in Good Times – And Bad (Wiley, 2016), and many investment related articles and whitepapers. He is also lead author of the ReSolve blog. Mr. Butler graduated with an Honors degree in Psychology from Canada’s Queen’s University, and has earned both the CFA and CAIA charters.
Marilyn Capelli Dimitroff
Planning Alternatives, Ltd.
Marilyn Capelli Dimitroff is director of wealth management and a principal at Planning Alternatives, Ltd., a Michigan-based fee-only financial planning firm. She is a national leader in the financial planning profession. She was 2009 Chair of CFP Board’s Board of Directors – the Board that certifies, sets and enforces standards for the more than 65,000 CFP® certificants in the US. Her professional affiliations have included the Charles Schwab & Co. Inc. Advisory Board and the Foundation for Financial Planning. She served as Chair of the Ethics Task Force that developed CFP Board’s updated Standards of Professional Conduct. She recently served on the Retirement Security Advisory Board of the Financial Services Roundtable in Washington DC. She was named again in 2011 as one of the Top 50 Women in Wealth in the nation by AdvisorOne and received the 2010 Influencer of the Year Award from Financial Planning. The Wall Street Journal, Forbes, the New York Times and other publications have quoted Dimitroff, who has regularly provided commentary on television and radio. Worth magazine identified her as one of the nation’s top financial advisors in 1994 and in each of the 15 years it published the list – one of only three advisors in the nation so honored. She has been recognized on many other lists including Bloomberg Press’s top 55 practicing financial advisors and Money magazine’s top 200 financial planners.
Geoff Considine is the founder of Colorado-based Quantext and the architect of Quantext Portfolio Planner (QPP), a portfolio management tool that allows individuals and advisors to develop and test portfolio management strategies. Geoff has written two books as well as numerous articles for a range of publications, including Advisor Perspectives, Financial Planning, Horsesmouth.com and SeekingAlpha.
Cumbie Advisory Services
Guy Cumbie is the founder and president of Cumbie Advisory Services Inc., a Fort Worth, Texas based independent personal financial planning and investment advisory organization founded in 1988. Guy is a Certified Financial Planner® practitioner and a Certified Investment Management Analyst® practitioner. He is also trained and credentialed as a mediator and as a life planner. Mr. Cumbie is a past president and chair of his national professional association, the Financial Planning Association (FPA). He is also past chair of the IWI’s CIMA Certification Commission.
Dana M. D’Auria, CFA, is the Director of Research at Symmetry Partners. Dana manages the Symmetry Partners research department, overseeing portfolio engineering, due diligence, security monitoring and analysis of the firm’s portfolios as well as supporting the efforts of Symmetry’s Advisor Services Group. She is also a member of the firm’s Investment Committee, which is responsible for setting the firm’s investment policy. In addition to working on Symmetry’s white papers and research notes, Dana regularly delivers educational presentations to Symmetry’s advisor network. Prior to joining Symmetry, she worked as a financial journalist and in public relations. She received her B.A. from Fairfield University in 1999 and her M.B.A. in finance from Fairfield in 2007. She was awarded the CFA charter in 2010.
Michael Edesess is an accomplished mathematician and economist with experience in the investment, energy, environment, and sustainable development fields. He is the author of The Big Investment Lie, a book about the investment services industry and the co-author of the forthcoming book, The 3 Simple Rules of Investing: Why Everything You've Heard about Investing is Wrong — and What to Do Instead? In 1994, he became a founding partner of the Lockwood Financial Group and served as its chief economist until the firm was sold to The Bank of New York in September 2002. His articles appear regularly in Advisor Perspectives.
Evensky & Katz
Harold Evensky is the president of Florida-based Evensky & Katz, a fee-only financial planning firm, and an adjunct faculty member in the Texas Tech financial planning program. Harold is an internationally recognized author and speaker on investment management and financial planning topics, and has been the recipient of numerous industry awards.
ProVise Management Group, LLC
V. Raymond Ferrara, CFP® is chairman and chief executive officer of the ProVise Management Group, LLC, a Clearwater, Florida fee-based Registered Investment Advisor. Ray has worked in the financial advisory industry for four decades. He has served on the Board of Directors for CFP Board of Standards, Inc. (chair 2014), the Financial Planning Association (FPA), Institute of Certified Financial Planners (ICFP) and National Advisor's Trust Company (NATC). He has been a featured speaker for many organizations, as well as at business conferences throughout the United States. For over 10 years, he hosted radio's "Talking Money" and authored several articles, videos, and CDs on various financial topics including living trusts, IRAs, college financial aid, asset protection, estate planning, and Section 529 plans. Ray has been quoted in numerous publications, including The Wall Street Journal, The New York Times, USA TODAY, Bloomberg News, Investor Business Daily, Tampa Bay Times, Tampa Tribune and Business Week.
Texas Tech University
Michael Finke is a professor and director or retirement planning and living in the personal financial planning department at Texas Tech University in Lubbock, Texas. Michael served as president of the American Council on Consumer Interests and as the editor of the Journal of Personal Finance and a contributing editor to Research Magazine. His research interests include household investment and intertemporal choice, behavioral personal finance, agency costs of financial planning, retirement income planning, risk tolerance assessment and aggregate trends in household portfolio allocation.
Fox Financial Planning Network
Deborah Fox is CEO and Founder of San Diego-based Fox Financial Planning Network (FFPN), a company nationally known for its comprehensive set of resources that enable advisors and the institutions that serve them to increase profitability, ensure compliance and scale their businesses to grow. Fox has been a practicing financial advisor since 1984 and is known nationally for her unique approach to holistic financial planning and wealth management services as well as her specialty planning company, Fox College Funding LLC. Fox has been recognized by the industry by being placed on the cover of Financial Planning magazine and is regularly interviewed and quoted by many publications such as the Wall Street Journal, Fortune, BusinessWeek, Newsweek, Forbes, Money, Fox News, Kiplinger’s, Financial Advisor, Investment News and other industry publications. Fox regularly presents at FPA, AICPA and other industry conferences.
Marjorie L. Fox, JD, CFP® is the chief executive officer and partner of FJY Financial, a Virginia-based fee-only financial planning and investment management firm she co-founded in January 2006. The Foundation for Financial Planning, in 2014, elected Marjorie as a trustee to the Board. The National Capital Chapter of the Financial Planning Association (FPA) honored Marjorie with its 2009 Planner of the Year Award. She has been a member of the FPA (and its predecessor organizations, the ICFP and the IAFP) since 1989. In the 1990s, she served as president of the Northern Virginia Society of the ICFP, as a vice president of the National Capital Chapter of the IAFP, and as Dean of the 9th Annual ICFP Mid-Atlantic Retreat. Marjorie is a NAPFA Registered Financial Advisor who served on the NAPFA National Board of Directors from 2004-2007. She is a former Chair of the NAPFA Northeast/Mid-Atlantic Region Board. She has been quoted in The Wall Street Journal, The New York Times, The Washington Post, Newsweek, Fortune, Forbes.com, U.S. News & World Report, Kiplinger’s, Business Week Online, Money, Investment Advisor, Investment News, ABA Journal, Financial Planning, MorningstarAdvisor.com, Bloomberg Wealth Manager, Financial Advisor, Physicians Financial News, and Street.com.
The Garrett Planning Network, Inc.
Sheryl Garrett, CFP®, AIF®, is the founder of The Garrett Planning Network, Inc. Sheryl’s fresh approach as a financial advisor working with clients on an hourly, as-needed, fee-only basis has evolved into a nationwide network of like-minded financial advisors — the Garrett Planning Network. Sheryl is also a managing member of Garrett Investment Advisors, LLC, an SEC Registered financial planning and advisory firm, which shares the same philosophy. She has been honored to testify before Congress on financial literacy and Social Security reform, the DOL regarding their fiduciary rule making, and the Middle Class Prosperity Project Forum on conflicts of interest in financial services. As vocal advocate for financial education and the fiduciary duty, Sheryl is often interviewed on national media. Sheryl has been recognized five times by Investment Advisor magazine as “One of the Most Influential People in Financial Planning.”
Jen Goldman Consulting
Jen Goldman is a Business Transformer and CFP® with 30+ years experience boosting over 1,000 businesses. Jen guides business leaders through smarter business planning, improved communications, and leaner processes that transform People, Productivity, Profitability and Growth. She intuitively utilizes techniques from Stanford Design Thinking, Lean Six Sigma, Strategic Coach, Productive Collaboration, EOS, Brown, Sinek, Grant, Thompson Ressler, Kelly, and more. Jen was published in Inc, Tech Tools for Today, Liberated CEO, NAPFA and shares her knowledge in workshops and on stages at national conferences.
Jonathan T. Guyton
Cornerstone Wealth Advisors, Inc.
Jonathan T. Guyton is principal of Minneapolis-based Cornerstone Wealth Advisors, Inc., a financial planning and wealth management firm. His specialties include retirement income planning and investment management, with an emphasis on asset distribution and income tax planning. He is best known as the co-author of ”Decision Rules and Portfolio Management for Retirees: Is the ‘Safe’ Initial Withdrawal Rate Too Safe?”, published in the March 2006 Journal of Financial Planning and a winner of its Call For Papers competition. His comments have appeared in the Wall Street Journal, The New York Times, Money Magazine, USA Today, Forbes, Business Week, Research, Bloomberg's Wealth Manager and Kiplinger’s Personal Finance. Jon currently serves as a retirement planning columnist for The Journal of Financial Planning and has served as a director of the Financial Planning Association.
Dr. Stephen J. Huxley
Asset Dedication, LLC
Dr. Stephen J. Huxley is the chief investment strategist of Asset Dedication, LLC, a provider of asset-management services to independent advisors, and also a professor at the University of San Francisco, where he teaches Data Analysis, Decision Modeling, and Personal Finance. He has received top awards for teaching, research and service at USF, and has been published in many academic journals and conferences. He won the 1988 National Franz Edelman Competition for Outstanding Achievement in Management Science (the highest award given by the profession) for his work in developing optimal police patrol scheduling systems. He and Asset Dedication co-founder Brent Burns are co-authors of the book Asset Dedication: How to Grow Wealthy with the Next Generation of Asset Allocation.
Dr. Keith Jurow
Capital Preservation Real Estate Report
The focus of Dr. Keith Jurow’s writings and presentations has been to prepare investors for the continued real estate market decline that he sees as almost inevitable. His new Capital Preservation Real Estate Report expands the coverage beyond the housing market to commercial real estate, REITS, ETFs and mortgage-backed securities. His in-depth housing and commercial real estate market articles have been posted regularly on major websites such as Business Insider, Real Clear Markets, Minyanville, Family Office Review and MarketWatch. Keith has been interviewed extensively in the media. Keith is a graduate of Cornell University and received both an M.A. and a PhD from the Graduate Faculty of the New School in Manhattan.
AEPG Wealth Strategies
Steven Kaye is the president and founder of APEG Wealth Strategies, a New Jersey-based registered investment adviser with over 30 years of experience. He is regularly interviewed by the financial press, trade journals, newspapers, television news shows and consumer finance magazines and is frequently featured in Morningstar. Steven was a past president and chairman of the NJFPA. His work has been published widely and he has appeared frequently on programs such as Live at 5, The Morning Show, News Center 4, The Today Show, Market Wrap, Fox on Money andCNBC's The Money Club. He has been a guest speaker at many national conferences, including FPA, PLANADVISOR, PLANSPONSOR, ISCEBS, Schwab Institutional, Inside Information, and Chapter 13 Trustees. Steven specializes in working with physicians and the general medical community. Steven is a Certified Financial Planner (CFP®) Professional and holds the professional designations of Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), Certified Employee Benefits Specialist (CEBS), Registered Health Underwriter (RHU), Accredited Asset Management Specialist (AAMS), Accredited Investment Fiduciary (AIF®), and Certified Retirement Counselor (CRC).
Kitces.com & Pinnacle Advisory Group
Michael Kitces is a Partner and the Director of Research for Pinnacle Advisory Group, a Maryland-based private wealth management firm responsible for $1.2B of client assets. He is also an active speaker at industry conferences, publishes The Kitces Report and the financial planning industry blog Nerd’s Eye View, and has co-authored numerous books, including the The Advisor’s Guide To Annuities (with John Olsen), and is the Practitioner Editor of The Journal of Financial Planning. Michael is one of the 2010 recipients of the Financial Planning Association’s “Heart of Financial Planning Awards” for his dedication to advancing the financial planning profession, and also has variously been recognized as financial planning's "Deep Thinker," a "Legacy Builder," an "Influencer," a "Mover & Shaker," part of the “Power 20,” and a "Rising Star in Wealth Management" by various industry publications.
Buckingham Strategic Wealth
Jared Kizer is the chief investment officer for Buckingham Strategic Wealth and the BAM ALLIANCE, a community of more than 140 independent wealth management firms throughout the United States. In 2008, Jared co-authored the book The Only Guide to Alternative Investments You’ll Ever Need with financial author Larry Swedroe. Jared has also written several articles on topics such as retirement planning and investment policy. His work has been published in the The Journal of Portfolio Management, The Journal of Indexes, and indexuniverse.com and he maintains a blog at multifactorworld.com. Jared is a CFA charter holder and holds a master’s degree in finance from Washington University in St. Louis.
Tim Kochis is the chief executive officer of Kochis Global, a California-based firm devoted to helping firms and individuals in developing markets learn how to emulate the success of independent firms in developed markets. Prior to that, he was the CEO and chairman of Aspiriant, a California-based registered investment adviser. He has been recognized for his contributions to the industry, and has received numerous awards from organizations including the FPA, Charles Schwab, the U.C. Berkeley Business School and Bob Veres’ Insider Information Forum.
First Ascent Asset Management
Capital Market Consultants, Inc.
Barry Mendelson is the founder of Capital Market Consultants, Inc. an independent research and consulting firm providing customized investment manager, capital market and economic thought leadership to financial advisors. Barry is responsible for guiding the firm’s overall direction and is involved in both research and client service. Barry has worked in the financial services industry for over thirty-five years. He brings a wealth of practice management, business building, and investment management consulting experiences to client engagements. He has spoken frequently at industry events over the years on subjects ranging from investment analysis, client profiling, money manager style analysis, investment consulting, advisor training and other topics. He is the author or co-author of a number of articles on various aspects of the practice of investment management consulting.
Jerry Miccolis is principal and chief investment officer with Brinton Eaton, a Madison, NJ-based wealth management firm. Jerry specializes in financial planning, risk management, investment research and portfolio management. Prior to joining Brinton Eaton in 2003, Jerry had over 30 years’ experience in the risk management and actuarial fields, including over 25 years with the international management consulting firm Tones Penin. One of the country’s leading authorities on asset allocation, Jerry is the co-author of Asset Allocation For Dummies, Enterprise Risk Management: Trends and Emerging Practices, and Enterprise Risk Management: An Analytic Approach. Jerry has chaired numerous professional committees and is a widely quoted author and speaker on the subject of strategic risk management, investment management, and their inter-relationship. Jerry has been published in professional journals (including Strategy & Leadership, Operational Risk, Risk Management, Institutional Investor, CFO Magazine, Investment Advisor, and the Journal of Financial Planning), and is regularly quoted in the mainstream media. Jerry holds the Chartered Financial Analyst (CFA) designation, is a CERTIFIED FINANCIAL PLANNER™(CFP) practitioner, a Fellow of the Casualty Actuarial Society (FCAS), and a Member of the American Academy of Actuaries (MAAA). He recently was awarded the Chartered Enterprise Risk Analyst (CERA) credential in recognition of his pioneering work in the field of Enterprise Risk Management.
Rick Miller has worked in financial services for over twenty years, first as a management consultant, then in product and business development at Scudder Investments, and now at Sensible Financial, which he founded in 2002. Financial Advisor magazine ranked Sensible Financial as one of the fastest growing registered investment advisory (RIA) firms in both 2005 and 2006. Assets under management are now approximately $330 million. He is a CFP Certificant, and a member of both NAPFA (the National Association of Personal Financial Advisors) and the Financial Planning Association. He is a strong advocate for the Life Cycle Planning and Investing approaches within the profession, and frequently conducts professional seminars on those subjects. He recently served on both the Trends in Financial Planning and Job Analysis Task Forces of the CFP Board. He has been quoted in the Boston Globe, businessweek.com, NPR’s Nightly Business Report, and other local and national media. He holds AB, AM and Ph.D. degrees in Economics from the University of Chicago.
Moisand Fitzgerald Tamayo
Dan Moisand, CFP®, is a principal and financial advisor at Moisand Fitzgerald Tamayo, a Florida-based fee-only registered investment advisor. Dan has over 20 years of experience in investment management and financial planning. In 2002 he was dubbed a “Future Star” by Financial Advisor magazine and made Worth magazine’s list of the top 250 Advisors in America. In subsequent years, he was named one of the most influential professionals in financial planning in a ”Movers and Shakers” issue of Financial Planning and twice more received similar honors from Investment Advisor and Accounting Today. He has been lauded as one of America’s top financial planners in Financial Advisor, Florida Today, Investment News, Journal of Financial Planning, Research, Solutions, Wealth Manager, and the Wall Street Journal Online. In 2007, Dan completed five years of service on the Board of Directors of the Financial Planning Association, including serving as its president and chairman. From 1999-2001, he served on the CFP Board of Practice Standards and in 2008, he was chairman of the Discipline and Ethics Commission of the CFP Board. Dan currently serves as a trustee for the Foundation for Financial Planning. Dan is a frequent source to a variety of publications and media appearing in, among others, Smart Money, CBS MarketWatch, MSNBC, Forbes, NY Times, Wall Street Journal, and USA Today. He is the only two-time winner of the Journal of Financial Planning‘s Call for Papers competition.
Michael Nairne is president of Tacita Capital Inc., a Toronto-based private family office and investment counseling firm. Prior to co-founding Tacita, Michael was the chief operating officer of Loring Ward Inc., a family office located in New York and Los Angeles. Michael writes regularly on wealth management matters, including the “Serious Money” column in The Financial Post. He has spoken internationally on advanced asset allocation and other investment topics relevant to high net worth families. Michael holds the Chartered Financial Analyst (CFA) designation and is a member of the CFA Institute and the Toronto CFA Society. He is a Registered Financial Planner, a Certified Financial Planner (CFP®) Professional and a Chartered Financial Planner.
The Nybo Group
Stig Nybo is a Retirement Industry Strategist for The Nybo Group. He has more than 25 years of leadership experience in the retirement plan industry, including nearly 15 years in which he led operations, sales and marketing teams as president of Transamerica Retirement Solutions. He is the author of Transform Tomorrow: Awakening the Super Saver in Pursuit of Retirement Readiness, and is frequently quoted in publications such as PlanSponsor and The Wall Street Journal. He is also the founder and chairman of Saving Re-Imagined, an effort to create a non-branded public service campaign to change beliefs around the benefits of saving and the achievability of financial security.
Modera Wealth Management, LLC
Tom Orecchio is a principal and wealth manager at Modera Wealth Management, LLC, a New Jersey-based fee-only registered investment adviser. Over his 20-year career, he has had the privilege of serving individuals, families, nonprofit organizations, foundations, trusts and others in all areas of investment and wealth management. Tom has earned some of the most prestigious credentials in the industry. He is recognized as a Certified Financial Planner (CFP®) Professional, a Chartered Financial Consultant®, a Chartered Life Underwriter® and an Accredited Investment Fiduciary (AIF®) and holds the Chartered Financial Analyst® designation. Tom demonstrated his leadership and commitment to fiduciary standards in the industry by serving as Chairman of the National Association of Personal Financial Advisors (NAPFA) from 2007 to 2008, a national board member from 2004 to2008, and continues to be a NAPFA-Registered Financial Advisor. He is also an active member of the CFA Institute and the Financial Planning Association (FPA) and was the recipient of the 2013 NAFPA Robert J. Underwood Distinguished Service Award.
The American College & inStream Solutions
Wade Pfau is a professor of retirement income in the new Ph.D. program for financial and retirement planning at The American College in Bryn Mawr, PA, and is the chief financial planning scientist for inStream Solutions. He is a frequent author on topics related to financial planning and writes a monthly article for Advisor Perspectives. He has received awards for his contributions from The Journal of Financial Planning and the Retirement Income Industry Association and is a frequent speaker at national conventions.
Bob Powell is the editor of Retirement Weekly, a service of MarketWatch from Dow Jones, as well as a columnist and blogger for MarketWatch. Bob is the co-author of Decoding Wall Street and the author of 20 Tips for Retirement Investors. Bob has appeared on Fox Business, The Wall Street Journal’s NewsHub and WGBH’s Greater Boston. His work has appeared in The Wall Street Journal, Financial Times and The Boston Globe.
John Rekenthaler is vice president of research for Morningstar. In this role, he oversees Morningstar’s research methodologies and is involved in a variety of new development efforts. His recent projects in 2009 include the launches of the Morningstar Target-Date Fund Series Rating and Research Reports and the Morningstar Global Fund Investor Experience Survey. The former project consists of comprehensive reports on 20 of the largest U.S. target-date fund series, while the latter is a one-of-a-kind study that examines how mutual fund investors are treated in 16 countries across Europe, Asia, and North America. Rekenthaler previously served as president of Morningstar Associates, LLC, a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. During his tenure, Rekenthaler led the company’s retirement advice business, building it from a start-up operation to one of the largest independent advice and guidance providers in the retirement industry. He holds the Chartered Financial Analyst (CFA) designation, and he is a member of the Investment Analysts Society of Chicago.
Ron is currently the owner and principal of ScholarFi, Inc., a boutique financial planning and investment advisory firm in Alfred, NY. He is also an assistant professor in the Business Department of Alfred State College, where he serves as a curriculum coordinator for its financial planning program. Ron is the author of several articles, white papers and books in the legal and financial planning industries, including My Success Journal: Propel Yourself to Greater Success in College, Business and Life, a workbook designed for students and individuals who desire to learn about and apply the “Three S's of Success.” Ron has been quoted in numerous publications, including Fortune Magazine, Newsweek, The Washington Post, Barron's, Forbes, Fortune, Kiplinger's Retirement Report, Financial Planning, Financial Advisor, Investment Advisor, Wealth Manager, On Wall Street, Investment News, AdvisorOne, and Compliance Reporter. In recent years, Ron's articles relating to the fiduciary duties of financial planners, investment advisers and/or attorneys have been published in RIABiz, The Florida Bar Journal, FIRMA Forum, and Advisor Perspectives. He was recently named one of Investment Advisor magazine's top 25 most influential persons in the advisory industry. Ron was also recently awarded the 2011 Tamar Frankel Fiduciary of the Year award by the Committee for the Fiduciary Standard for his "fiduciary life of service to others" and for his "enormous contributions to the fiduciary discussion."
Carl Richards is editor of the Behavior Gap newsletter and a weekly contributor to the The New York Times.
Dan Richards is the founder and CEO of Client Insights, a Canadian newsletter focused on practice management. For over 25 years, Dan has been recognized for his leading-edge insights on attracting and retaining clients. He is also a regular contributor to Advisor Perspectives and other leading advisor publications and has delivered top-rated talks in the United States, Europe, Australia and Southeast Asia.
R. W. Roge & Company, Inc.
Ron Rogé is the founder, chairman and CEO of R.W. Rogé & Co., a New York-based fee-only registered investment adviser. He has served on the board of directors for NAPFA and has been recognized for his contributions to the financial planning profession by numerous publications, including Forbes, Investment Advisor and Bloomberg. He is frequently quoted in the national news media.
Madison Avenue Securities
Bob Seawright is the chief investment & information officer at Madison Avenue Securities, a boutique investment advisory firm and broker-dealer in San Diego, California. He is also the author of the popular blog, Above the Market, which features data-driven analysis coupled with behavioral insights. His work and ideas have appeared in many publications including Research magazine, Investment Adviser, The Wall Street Journal, Financial Planning, Investment News, The Browser, Bloomberg BusinessWeek, MarketWatch and Portfoliolist. He is a frequent speaker at conferences and other industry events.
Joe Sheehan is a principal of St. Louis-based Moneta Group, a fee-only financial advisory firm, which he joined in 1991. In addition to serving clients as a Family CFO, Joe has also served as Moneta Group’s CEO and COO. He is an adjunct professor of financial planning at St. Louis University, a co-founder of Tax Strategies, Inc. (a tax preparation company), a trustee of St. Luke's Hospital and the treasurer of the National Conference for Community and Justice (NCCJ). Joe is a frequent speaker on financial planning and investment topics and holds the CFP®, CFA, AWMA, CMFC and MBA designations.
Doug Short is a nationally known economist and market researcher and the founder of the financial website dshort.com, which was acquired by Advisor Perspectives in 2012. He currently serves as Advisor Perspectives’ VP of Research, and his analysis of economic and market data and long-term trends and historical contexts are regularly cited in the national media.
CFA Research Foundation
Larry Siegel is the Gary P. Brinson Director of Research for the CFA Research Foundation. Prior to that, he was director of research in the investment division of the Ford Foundation. He is a member of the editorial boards of The Financial Analysts Journal, The Journal of Portfolio Management and The Journal of Investing and serves on the board of directors and program committee of the Q Group. He has also won three Graham and Dodd awards from The Financial Analysts Journal and two Bernstein-Fabozzi/Jacobs Levy awards for outstanding articles in The Journal of Portfolio Management.
Dan Solin is the bestselling author of the Smartest series of investing books, which have been enthusiastically endorsed by The New York Times, The Wall Street Journal, and Vanguard founder John Bogle, among others. Kiplinger’s listed The Smartest Investment Book You’ll Ever Read on its top ten list of the best financial books ever written; two of the Smartest series have achieved best-seller status on The New York Times Review of Books. Dan also writes financial blogs for The Huffington Post and USNews.com.
Legend Financial Advisors, Inc.
Louis P. Stanasolovich, CFP®, is founder, CCO, CEO and president of Legend Financial Advisors, Inc., a Pittsburgh-based fee-only Registered Investment Advisor. Lou is the editor of The Global Investment Pulse, a publication designed to guide investors on how to build better investment portfolios and improve their investment decision-making. Lou is also the editor of Global Economic & Investment Analytics, an events service for financial advisory professionals. Lou is one of only four advisors nationwide to be selected 12 consecutive times by Worth magazine as one of “The Top 100 Wealth Advisors” in the country. He has received similar recognition from Medical Economics magazine, Mutual Funds magazine, the Dental Practice Report, Barron’s, Financial Planning magazine, Investment Advisor magazine, Pittsburgh Magazine and Fortune Small Business magazine. Lou is one of the co-founders of The Alpha Group, an exclusive association that was formed in 1990, and is comprised of 17 senior investment advisors. He was elected to the International Association for Financial Planning (IAFP- a forerunner of the FPA) National Board of Directors for four consecutive one-year terms (1988-1992). He served as a member of the IAFP’s National Ethics Committee, Registry Committee, Education Committee, Investment Committee, and the Review Committee of The Registry of Financial Planning Practitioners. Lou is currently or has been a member of various advisory boards, including: TD Ameritrade President’s Council, TIAA/CREF Institute’s Advisory Council, the FPA National Convention Program Advisory Board, and the Editorial Advisory Board for Advisor Products. Lou also chaired the IAFP Northeastern United States Regional Council (1987-1988), and is a past president of the 450-plus member Pittsburgh Chapter of the IAFP (1985-1987). He is a member of the editorial advisory board of the Fee-Only Client Newsletter.
Bruno A. Stanziale is a commodity market specialist with over 20 years of experience in the markets. His overall experience includes institutional sales, market strategy, business development and portfolio management in both commodities and commodity related equities. Bruno currently serves as the Director of Commodity Strategy for the Eurasia Group in Manhattan. Prior to joining Eurasia, Bruno worked for some of the largest commercial banks including: Deutsche Bank, ABN Amro, Bank of America and Wells Fargo. In these roles, he worked with clients in understanding market and credit risk, as well as advised on structured financial solutions and investments. Bruno ultimately carved a path into the managed money space when he accepted a role with Moore Capital Management, one of the largest global macro hedge funds. In his role at Moore, Bruno helped develop market strategy and manage cross commodity investments. His current work at Eurasia Group builds upon this experiential base to offer actionable research and strategy around the commodity markets. Bruno holds a Bachelor of Science in Finance from Fairfield University in Fairfield, Connecticut where he graduated with honors.
Dennis Stearns is the president of Stearns Financial, a fee-only investment management, financial and business planning firm with offices in Chapel Hill and Greensboro, North Carolina and clients across the U.S. and Canada. Dennis has been called “One of the leading futurists and scenario planning experts in the financial industry” by the Financial Planning Association. For over 25 years, Stearns Financial has been research intensive with a focus on Super Trends (including Globalization, Technology Accelerators and the Global Age Wave) that are driving enormous change in the U.S. and global economy. Dennis is regularly quoted in major publications, including the Wall Street Journal, NY Times, Kiplinger’s Personal Finance, Financial Planning magazine and The Journal of Financial Planning.
Stevens Wealth Managment
Sue Stevens is CEO and founder of Chicago-based Stevens Wealth Management, a fee-only financial advisory firm. She holds an MBA from University of Chicago Booth School and was Director of Financial Planning at Morningstar for nine years. She has been in the wealth management business for over 20 years. She worked with individuals, firms and partners at Arthur Andersen, led a team at The Vanguard Group that designed mass-market financial planning tools for participants in retirement plans and founded the personal finance newsletter at Morningstar. Her two books on personal finance have both won multiple awards. She is a CPA/PFS, CFA charter holder and CFP® Professional. Sue has twice been named one of “50 Distinguished Women in Wealth Management” by Wealth Manager Magazine and AdvisorOne. A member of National Academy of Recording Arts and Sciences of the United States, Sue is an award-winning professional cellist and has performed and recorded with many top musicians across the country.
Buckingham Strategic Wealth
Larry Swedroe is director of research for Buckingham Strategic Wealth, an independent Registered Investment Advisory firm in St. Louis, MO and an independent member of the BAM ALLIANCE. He is also director of research for BAM Advisor Services, LLC, a service provider to investment advisors across the country, most of whom are affiliated with CPA firms. Previously, Larry was vice chairman of Prudential Home Mortgage. To help inform investors about the passive investment approach, he was among the first authors to publish a book that explained passive investing in layman’s terms — The Only Guide to a Winning Investment Strategy You'll Ever Need. He has authored seven more books: What Wall Street Doesn't Want You to Know (2001), Rational Investing in Irrational Times (2002), The Successful Investor Today (2003), Wise Investing Made Simple (2007), Wise Investing Made Simpler (2010), The Quest for Alpha (2011), and Think, Act, and Invest Like Warren Buffett (2012). He also co-authored seven books: The Only Guide to a Winning Bond Strategy You’ll Ever Need (2006, with Joe Hempen), The Only Guide to Alternative Investments You’ll Ever Need (2008, with Jared Kizer) and The Only Guide You’ll Ever Need for the Right Financial Plan (2010, with Tiya Lim and Kevin Grogan), Investment Mistakes Even Smart Investors Make (2011, with RC Balaban), Reducing the Risk of Black Swans (2013 with Kevin Grogan), The Incredible Shrinking Alpha (2015 with Andrew Berkin) and Your Complete Guide to Factor-Based Investing (2016 with Andrew Berkin). He writes a blog for ETF.com and you can follow him on Twitter.
Tomlinson Financial Planning, LLC
Joe Tomlinson is an actuary and financial planner based in both Maine and England. He spent 30 years as an actuary and vice president of a major financial services company before taking early retirement to switch to financial planning. He now devotes most of his time to research and writing about retirement planning and investment issues, with a particular focus on generating sustainable lifetime income. He writes regularly for Advisor Perspectives. Other activities include being an active member and project leader for the Society of Actuaries Committee on Post-Retirement Needs and Risks, and also doing consulting work on projects related to retirement planning.
Don Trone is the CEO and one of three co-founders of 3ethos. 3ethos conducts original research and training in LeaderMetrics®, a new body of research that looks at the links between leadership, stewardship and governance. He co-authored the book by the same title. Don is generally recognized as the pioneer who introduced the fiduciary standard to the financial advisory industry. Previously Don was the first person to direct the Institute for Leadership at the U.S. Coast Guard Academy; was the principal founder and CEO of fi360; and, was the founder and President of the Foundation for Fiduciary Studies.
Worldview Two Planning
Dick Vodra is the founder and principal of Worldview Two, an energy and planning consultancy in McLean, VA. Dick recently retired from a 27-year career as a financial planner during which he advised individuals and families on a wide range of personal and financial concerns, and was recognized as Planner of the Year for the National Capital Area chapter of the Financial Planning Association and recipient of the FPA’s national Heart of Financial Planning award. He currently serves on the board of the Association for the Study of Peak Oil and Gas – USA.
Dynasty Financial Partners
Scott Welch is the Chief Investment Officer at Dynasty Financial Partners, the founder of Unconstrained Thought and the co-founder and former chief investment officer at Fortigent, a Maryland-based investment adviser. He is a frequent speaker on investment-related topics. He contributes regularly to publications such as The Journal of Wealth Management and the IMCA Investments & Wealth Monitor, and he is on the Editorial Advisory Board of both publications.
Rich Wiggins currently works for a large corporate pension plan in the Kingdom of Saudi Arabia. He was previously a senior consultant at Summit Strategies Group and chief investment strategist at Citizens First Bancorp. He is a past president of the CFA Society of Detroit and a periodic contributor to Barron's, Institutional Investor, The Journal of Indexes and other practitioner journals. Wiggins is an author/contributor/abstractor to the CFA Digest and past member of the Council of Examiners which authors the Chartered Financial Analyst Exam.
Bill Winterberg is the founder FPPad, an Atlanta-based firm that provides news, insight and thought leadership on financial planning technology. He also consults with financial professionals in the selection and implementation of the right technology solutions for their practices. He is a CFP with past experience as a Registered Representative, Registered Investment Adviser and an Operations Manager. Bill is a technology contributor to the Journal of Financial Planning, the former technology editor for Morningstar Advisor and has been quoted in a variety of publications including USA Today, Reuters, The Wall Street Journal, SmartMoney and Financial Planning Magazine.
David Zolt is the principal and founder of Westlake Advisors, an Ohio-based fee-only planning firm. David is a Certified Financial Planner®, an Enrolled Agent, a NAPFA-Registered Financial Advisor, an Associate of the Society of Actuaries, a Member of the American Academy of Actuaries and a member of the Alliance of Cambridge Advisors (ACA). He worked more than 25 years in retirement and employee benefit planning as a senior consultant and practice leader. He advised some of the largest pools of liquid assets in the world, including multi-billion dollar pension funds such as the Ford Motor Company, American Greetings, The United Nations, The World Bank and The International Monetary Fund. He is the developer of The Retirement Planner software, which can be found at www.RetireSoft.com.