Cam Marston is an author, advisor, radio talk show host, and speaker. He has studied the trends shaping the workplace and marketplace for the past twenty years. His original focus was on generational differences and how understanding each generation helps employers, leaders, and sales teams become more effective leaders.

In 2018, Mr. Marston started a podcast that became an FM radio show, still on-air, called What’s Working with Cam Marston. He interviews a wide range of businesspeople to learn about their reaction to trends influencing their workplaces, workforces, and the marketplace. In 2022 he released a book based on the show, What Works: The Ten Best Ideas from the First 200 Episodes. He records commentary called Keepin’ It Real for Alabama Public Radio offering humorous and inspirational insights based on his observations of the world around him. The shows have won statewide and national awards.

Mr. Marston’s insights and expertise have been featured in the Wall Street Journal, Economist, Chicago Tribune, BusinessWeek, Fortune, Money, and Forbes, as well as on Good Morning America and the BBC.

Jon Beatty is Managing Director, Head of Advisor Services and a member of Charles Schwab’s Executive Committee. He oversees the business that provides custodial, operational, and trading support to more than 15,000 independent investment advisory firms with over $4 trillion in assets under management. In addition to custody services, Schwab Advisor Services™ provides practice management and consultative support to help independent advisors start, build, and grow their firms.

Beatty has dedicated his career to working with independent advisors. He joined Schwab 27 years ago and has held sales and leadership positions within Advisor Services. Beatty has been a member of the Advisor Services leadership team for more than 15 years. Prior to his current role, Beatty served as Chief Operating Officer for Schwab Advisor Services™.

Before joining Schwab, Beatty was a registered representative with Great Western Securities. He has a bachelor’s degree in political science from Wittenberg University. He is registered with the National Association of Securities Dealers, Inc. and holds Series 7 and 9/10 registrations.

Kevin Gordon is the research associate for Schwab’s Chief Investment Strategist Liz Ann Sonders. In addition to analyzing the U.S. economy and stock market for Schwab’s clients, he helps develop deep-dive projects as well as content for Schwab’s public website, internal business partners, and social media outlets. Kevin is a frequent guest on CNBC, Yahoo! Finance, Bloomberg TV, and CBS News, and has been quoted in The New York Times, Forbes, MarketWatch, CNN, The Wall Street Journal, and Bloomberg.

Prior to joining Schwab in 2019, Kevin gained experience in asset allocation research at an investment advisory firm, and worked for a U.S. senator in Washington, D.C. He graduated magna cum laude from Pepperdine University, where he co-managed a student-run investment fund and co-authored academic publications on politics and the economy. Kevin holds an MBA from New York University’s Stern School of Business and a B.A. in Economics and Political Science from Pepperdine University.

Kevin is a member of the President’s Advisory Council for Almost Home Kids affiliated with Ann & Robert H. Lurie Children’s Hospital of Chicago.

For the past two decades, Daniel Pink’s books on business, creativity, and behavior have helped individuals and organizations around the world rethink how they live and operate. They have won multiple awards, have been translated into 42 languages, and have sold millions of copies in the U.S. and abroad. He has written five New York Times best sellers, including The Power of Regret: How Looking Backward Moves Us Forward and A Whole New Mind: Why Right-Brainers Will Rule the Future, which Oprah Winfrey gave to each member of Stanford University’s graduating class when she was the school’s commencement speaker.

Mr. Pink was a host and co-executive producer of Crowd Control, a National Geographic Television series on human behavior that aired in more than 100 countries. His MasterClass on sales and persuasion is one of the most popular courses on that platform. His TED Talk on the science of motivation has been viewed more than 40 million times. He appears frequently on NPR, PBS, and other TV and radio networks in the US and abroad. Mr. Pink has been a contributing editor at Fast Company and Wired as well as a business columnist for The Sunday Telegraph. His articles and essays have appeared in The New York Times, Harvard Business Review, The Atlantic, and other publications. He was a Japan Society Media fellow in Tokyo, where he studied the country’s massive comic industry. Early in his career, he worked in politics and government, and was chief speechwriter for Vice President Al Gore.

Mr. Pink holds a bachelor’s degree in linguistics from Northwestern University and a juris doctor degree from Yale Law School.

Dr. R. David Edelman is a leading authority on the geopolitics of technology and the new landscape of corporate risk, helping American presidents, chief executive officers, and his students at the Massachusetts Institute of Technology (MIT) make sense of the future. He is the Internet Policy Research Initiative Distinguished Fellow at MIT, where he founded the Project on Technology, the Economy, and National Security. He co-chairs the university’s Artificial Intelligence (AI) Policy Forum and holds dual appointments at the Computer Science & AI Lab and the Center for International Studies. His research explains important global trends, from AI and data privacy to cybersecurity and nuclear fusion.

A Yale- and Oxford-educated technologist, investor, and former policymaker, Dr. Edelman has been featured in the New York Times, Wall Street Journal, Washington Post, Financial Times, Forbes, Der Spiegel, WIRED, Fast Company, and Fortune. He has appeared on CNN, Bloomberg, CNBC, MSNBC, and NPR and is the author of Rethinking Cyber Warfare: The International Relations of Digital Disruption.

Dr. Edelman held several roles in the Barack Obama White House, involving economics, technology, and cybersecurity. He began his career at the Department of State in the George W. Bush administration as a founding member of the Office of Cyber Affairs, serving as the lead U.S. negotiator on cybersecurity and digital economy matters at the United Nations and the G20. He is the founder and managing partner of Catalyst•Wayfare, a boutique geopolitical advisory firm serving breakthrough technology chief executives. Earlier in his career, he built public-sector and global strategy teams at AI and clean energy startups and was a venture investor in a range of companies.

Rick Wurster has served as President of The Charles Schwab Corporation since 2021. In his role, Wurster oversees Schwab’s client enterprises, wealth and asset management, Schwab’s Banking and Trust services, technology and operations. He also serves as Chairman of Schwab Charitable™ and is President and Chairman of the Charles Schwab Foundation.

Prior to assuming his current role, he served as head of Schwab Asset Management Solutions where he led money management and portfolio advice solutions, wealth management services, financial research, and market insights.

Before joining Schwab in early 2016, Wurster held leadership roles at Wellington Management and McKinsey & Company where he was a leader of the asset management practice and an Associate Principal.

Wurster earned a Master of Business Administration from The Tuck School of Business at Dartmouth College and a Bachelor of Science in economics from Villanova University where he graduated magna cum laude and was Captain of the golf team. He holds both the Chartered Financial Analyst^® (CFA) and Chartered Market Technician^® (CMT) designations. He also serves on the Board of Governors for First Tee.

Based out of Schwab’s corporate headquarters, Wurster resides in Texas with his wife, Jill, and their three children.

Allie K. Miller is an artificial intelligence advisor and investor who has led global AI initiatives at two of the five largest cloud providers in the world. She was most recently the global head of machine learning for startups & venture capital at Amazon Web Services. Prior to that, she worked at IBM, spearheading development across computer vision, conversation, data, and regulation. As a national ambassador for the American Association for the Advancement of Science, she has spoken about AI around the world, drafted national AI strategies, and created more than 10 guidebooks on how to build successful AI projects. Ms. Miller shares the latest about AI with more than one million social media followers on LinkedIn, which has named her a LinkedIn Top Voice for the past five years. She has won several awards, including being one of Chief in Tech’s Top 100 Women in Tech to Watch, Award magazine’s Top 50 Women in Tech, and ReadWrite’s Top 21 AI Speakers. She holds bachelor’s degrees in cognitive science and women’s and gender studies from Dartmouth College and a master of business administration degree from The Wharton School at the University of Pennsylvania.

As Chief Investment Strategist at Charles Schwab, Liz Ann has a range of investment strategy responsibilities spanning from market and economic analysis to investor education, all focused on the individual investor. She analyzes and interprets the economy and markets on behalf of Schwab’s clients. The output of Liz Ann’s work is via written reports, audio and video recordings, webcasts and social media. She is the cohost of the On Investing podcast and a regular contributor to Schwab’s publications and a keynote speaker at many Schwab client events and external conferences.

In 1999, Liz Ann joined U.S. Trust—which was acquired by Schwab in 2000—as a Managing Director and member of its Investment Policy Committee. Before U.S. Trust, Liz Ann was a Managing Director and Senior Portfolio Manager at Avatar Associates (1986-1999), an original division of the Zweig/Avatar Group. She is a regular guest on Bloomberg TV & Radio, CNBC, CNN, Yahoo! Finance, Fox Business News and the Schwab Network. She was a regular panelist and guest host on PBS’s original Wall $treet Week With Louis Rukeyser and is a frequent guest on Bloomberg Wall Street Week. Liz Ann is a column contributor to the Financial Times; and is regularly quoted in financial publications including The Wall Street Journal, The New York Times, Barron’s, Financial Times, MarketWatch and Associated Press articles.

Liz Ann has been named to the “Power 30” by SmartMoney; best strategist of the year by Kiplinger; one of the “25 Most Powerful Women in Finance” by American Banker; among the “50 Top Women in Wealth” by AdvisorOne; and one of the “IA 25” by Investment Advisor, their list of the 25 most important people in the financial advisory profession. She has been named to Barron’s Magazine “100 Most Influential Women in Finance” every year since the list’s inception; and recently was named to Forbes’ 50 Over 50.

In 2005, Liz Ann was appointed to and served on the President’s Advisory Panel on Federal Tax Reform, President Bush’s bi-partisan tax reform commission. In 2008 Liz Ann was honored by the Girl Scouts of New York as an “Exceptional Role Model for Young Women.” From 2007 through 2019 Liz Ann served on the national and CT chapter boards of directors for the Make-A-Wish Foundation. In 2020, she joined the board of trustees of the Nantucket Boys & Girls Club, where she serves as Vice Chair.

Liz Ann received her B.A. in economics and political science from the University of Delaware and has served on its Investment Visiting Committee since 2000. In 2013 Liz Ann was inducted onto the University’s “Alumni Wall of Fame” and gave the Winter Commencement Address in 2014 for which she received an honorary doctorate degree. She received her M.B.A. in finance from Fordham University’s Gabelli School of Business.

Twitter: @lizannsonders

LinkedIn: linkedin.com/in/lizannsonders

Ethan Mollick is an associate professor at the Wharton School of the University of Pennsylvania, where he studies and teaches innovation and entrepreneurship and examines the effects of artificial intelligence on work and education. He also leads Wharton Interactive, an effort to democratize education using games, simulations, and artificial intelligence. His academic papers have been published in top management journals and his research has been covered by CNN, The New York Times, and other publications. He has created numerous teaching games on a wide variety of topics. Prior to his time in academia, Dr. Mollick co-founded a startup and he currently advises a number of startups and organizations. He holds doctoral and master of business administration degrees from MIT’s Sloan School of Management and a bachelor’s degree from Harvard University.

Kathy Jones is responsible for interest rate and currency analysis as well as fixed income education for Schwab clients and the public. She cohosts Schwab’s On Investing podcast.

Prior to joining Schwab in 2011, Kathy was a fixed income strategist at Morgan Stanley, where she specialized in global macro strategy covering domestic and international bonds and foreign exchange. She has also been a consultant in the alternative investment area and previously served as executive vice president of the Debt Capital Markets division of Prudential Securities.

Kathy has analyzed global bond, foreign currency, and commodity markets extensively throughout her career as an investment analyst and strategist, working with both institutional and retail clients. She makes regular broadcast appearances on Bloomberg TV, Yahoo Finance, and CNBC, and is often quoted by The Wall Street Journal, The New York Times, Financial Times, and Reuters. She holds an MBA in Finance from the Kellogg Graduate School of Management at Northwestern University, and a B.A. with honors in English Literature from Northwestern University.

Walter W. Bettinger II, 63, has been Chief Executive Officer since late 2008. In addition, Bettinger serves as Co-Chairman of the Board of Directors of The Charles Schwab Corporation, Charles Schwab & Co., Inc. and the Charles Schwab Bank, as well as Chairman of the Board of Trustees for the Schwab managed mutual funds and exchange traded funds. Prior to assuming his current role, he was most recently President and Chief Operating Officer of The Charles Schwab Corporation.

He leads a workforce of approximately 32,300 employees, with headquarters in Westlake, Texas and branch offices in more than 420 locations across the United States plus London, Hong Kong, Singapore and Puerto Rico.

As measured by client assets, Schwab is the largest publicly traded investment services firm in the United States and one of the world’s largest financial services firms serving approximately:

• $9.41 trillion in client assets
• 35.6 million client brokerage accounts, 1.9 million bank accounts, and 5.3 million workplace plan participant accounts
• ~15,000 independent investment advisors

Bettinger’s duties include leading the development of strategies and services that assist tens of millions of people worldwide in their efforts to save and invest – either directly, with the help of an independent investment advisor or through a company-sponsored retirement or benefit plan.

Under his leadership, the market capitalization of Schwab has grown from approximately $19 billion at the end of 2008 to approximately $125 billion at the end of 2023.

Bettinger has been recognized throughout his career as a leader in financial services including:

• in 2014, 2016, 2017 and 2018 he was recognized in Fortune magazine’s Businessperson of the Year listing – in 2018 he was ranked the #7 businessperson globally;
• in 2010 to the Power 30 by Smart Money magazine of the world’s most powerful and influential players; and
• the 2009 lifetime achievement award for contributions to the retirement security of working Americans by Plan Sponsor magazine.

In 1983, at the age of 22, Bettinger founded The Hampton Company, a provider of retirement plan services to corporations and their employees. The Charles Schwab Corporation acquired Hampton in 1995.

In addition to his professional duties, Bettinger is active in numerous charitable and philanthropic efforts. He and his wife, Teri, are founders of the Walt & Teri Bettinger Foundation and the parents of five children.

A native of Ada, Ohio, Bettinger attended Delta State University in Cleveland, Mississippi and holds a bachelor of business administration degree with a major in finance, summa cum laude, from Ohio University. He has also completed the General Management program offered by the Harvard Business School.

Jeffrey Kleintop, CFA, is responsible for analyzing and discussing international markets, trends, and events to help investors understand their significance and financial implications. In this role, Jeffrey provides actionable insights through social media posts (@JeffreyKleintop), written commentary on Schwab.com, videos, conference calls, webcasts, and in-person events. He is frequently cited in a range of national media outlets including The Wall Street Journal, The New York Times, Barron’s, and the Financial Times. He is a regular guest on high-profile news networks including CNBC (including CNBC Asia), Bloomberg, Fox Business News, and CNN. Jeffrey has been cited in The Wall Street Journal as one of “Wall Street’s best and brightest,” and is a regularly featured keynote speaker at industry events. Jeffrey is the author of the investing book Market Evolution: How to Profit in Today’s Changing Financial Markets, published by John Wiley & Sons in 2006.

Prior to joining Schwab, Jeffrey served as chief market strategist at LPL Financial. Earlier in his career he was chief investment strategist at PNC. He received an MBA from Pennsylvania State University and earned a B.S. in business administration from the University of Delaware. Jeffrey is a Chartered Financial Analyst (CFA) charterholder.

After disrupting the hospitality industry twice—first as the founder of Joie de Vivre Hospitality, the second-largest operator of boutique hotels in the U.S., then as Airbnb’s head of global hospitality and strategy, leading a worldwide revolution in travel—Chip Conley co-founded MEA (Modern Elder Academy) in Baja California, Mexico. Inspired by his experience of intergenerational mentoring as a “modern elder” at Airbnb, where his guidance was instrumental to the company’s transformation from a fast-growing start-up to one of the world’s most valuable hospitality brands, MEA is the world’s first “midlife wisdom school.” It recently opened a campus on a 2,600-acre regenerative horse ranch in Santa Fe, New Mexico. Dedicated to reframing the concept of aging, MEA helps students navigate midlife with a renewed sense of purpose and possibility. A New York Times bestselling author, Conley’s seventh book, Learning to Love Midlife: 12 Reasons Why Life Gets Better with Age, is about rebranding midlife to help people understand the upside of this often-misunderstood life stage, which he dubbed a “midlife chrysalis” in a TED Talk. After publication, the book rose to the No. 1 spot in the happiness/self-help category on Amazon and Mr. Conley was featured as a guest on Good Morning America and The Today Show.

Michael is Schwab’s Washington-based political analyst. With more than 30 years of Washington experience, he analyzes legislative, regulatory, and political developments to determine how they would affect individual investors, retirement plan participants, and investment advisers.

Michael is the host of Schwab’s WashingtonWise podcast, which explores the intersection between policy, politics, the markets, and the economy. He is a featured speaker at dozens of employee, client, adviser, and industry events each year, where he discusses the impact of the political and policy environment in Washington on investors and the capital markets.

Prior to joining Schwab in 2000, Michael worked at Powell Tate, Inc., a Washington, D.C., public affairs firm, and previously worked for two U.S. senators from Maine. He holds an M.A. in English from George Mason University and a B.A. in English from Bowdoin College.

Suzanne Peterson advises senior leaders in a variety of Fortune 500 companies, hedge funds, law firms, private equity funds, investment banks, insurance companies, and technology companies. She specializes in leadership style, relationship management, and communication as building blocks for influence and leadership effectiveness. Her clients have included Bank of America/Merrill Lynch; BorgWarner; Charles Schwab; Cravath, Swaine & Moore LLP; Davidson Kempner; Dell Technologies; Elliott Investment Management; KKR & Co. Inc.; Latham & Watkins LLP; Morgan Stanley; Nationwide; PIMCO; and Walmart, among others.

With more than 20 years of professional experience, Dr. Peterson regularly speaks about the firm’s signature message of Admired Leadership^® — a viewpoint that emphasizes the behaviors and routines characteristic of the world’s most extraordinary leaders. She leads CRA | Admired Leadership’s newest practice, The Style Code, which is designed to help leaders evolve their style to create executive presence, increase results, and strengthen relationships.

Dr. Peterson serves on the faculty of the Thunderbird School of Global Management at Arizona State University, where she contributes to executive-level courses and corporate development programs. She has received numerous teaching awards and published in top management outlets, including Harvard Business Review.

Dr. Peterson holds a bachelor’s degree in psychology from the University of Southern California and a master’s of business administration and a doctorate in organizational behavior, both from the University of Nebraska.

Tom Bradley is Chief Client Officer for Schwab Advisor Services (AS), overseeing Business Development, Relationship Management, Family Office, and Premier Wealth Services. Prior to his current role he was the Managing Director of service for certain segments including firms with up to $2B in custody at Schwab, large complex advisors in its Enterprise Division, Trading, and its Special Services unit which supports various Schwab AS platforms as well as the advisor end client Alliance system. He was also a leader in driving the integration between Schwab Advisor Services and TD Ameritrade Institutional.

Prior to joining Schwab, Mr. Bradley was President of TD Ameritrade’s Retail and Institutional Broker/Dealer with primary responsibility for the Retail business, in which he oversaw 120 branch offices, customer service and sales centers, operational middle offices, product development, strategy, digital platforms, and company-wide marketing. Prior to his role in Retail, he led the team that was responsible for all aspects of the TD Ameritrade Advisor Services business, including sales, service, operational middle office functions, strategy, advisor technology platforms, marketing, and public relations.

Over his tenure, Mr. Bradley has built a reputation for his advocacy efforts, particularly with respect to those issues impacting RIAs. Over his career Mr. Bradley received various awards and accolades including:

• The 2013 Pioneers in Financial Services Award by William Paterson University’s Cotsakos College of Business
• Named one of the 25 most influential people in the RIA community by Investment Advisor magazine, in 2020, 2011, 2009, 2006 and 2004
• Named “Visionary of the Year” by Texas Tech University’s Division of Personal Financial Planning in 2008
• The National Association of Personal Financial Advisors (NAPFA) also recognized Bradley with the 2006 Special Achievement Award
• Honored with the “Patriot Award” for his support of National Guard and Army Reserve Employees in 2017 from The National Guard Bureau Employer Support Program

Mr. Bradley has received a B.S. in business administration, with a concentration in finance, from the University of Richmond, Robins School of Business. He holds Series 4, 7, 8, 24, 53, 63 and 65 securities licenses. He also completed Executive Education courses at The University of Pennsylvania’s Wharton School of Business, including the Securities Industry Institute program, sponsored by the Securities Industry and Financial Markets Association (“SIFMA”).

Mr. Losson leads the Schwab Advisor Services Sales and Relationship Management teams for the U.S. These teams are responsible for the relationship management and business development efforts with Schwab Advisor Services existing advisor clients. These RIA advisor client types include wealth managers, asset managers, multi-family offices, regional independent broker dealers and turn-key asset management providers and advisors who have departed from other financial institutions to the independent model.

In addition to his direct sales, relationship management, Mr. Losson heads the Relationship Management Leadership Team, responsible for strategic and business planning, general sales and business management and execution, forecasting, and talent development. Mr. Losson is also a member of the Advisor Services Leadership team. This team is responsible for the overall strategy, leadership, and management of the Advisor Services business for Charles Schwab.

John Tovar leads Advisor Wealth Services at Schwab Advisor Services, where he is responsible for delivering relationship-driven support to over 15,000 Independent Registered Investment Advisors (RIAs) that custody assets with Charles Schwab. His team offers a comprehensive suite of services, including primary service, specialized solutions for alternative investments, advisor platform support, cost basis management, Alliance, workflow solutions, and a robust trading services platform.

Since joining the company in 1992, Tovar has held several senior roles. Prior to his current position, he led Wealth Management Services for TD Ameritrade Institutional, overseeing trading services, client relationships, technology support, and retirement plan services for over 8,000 RIAs. He also managed TD Ameritrade’s self-directed brokerage business.

Based in Westlake, Texas, Tovar holds an extensive range of industry licenses, including Series 3, 4, 7, 8, 24, 53, 63, and 65. He has completed the Securities Industry Institute program at the Wharton School of Business and the Executive Program for Growing Companies at Stanford Graduate School of Business. Additionally, he is a Lean Six Sigma Green Belt and holds the Accredited Investment Fiduciary (AIF^®) designation from the Center for Fiduciary Studies.

Jalina Kerr is the Managing Director of Client Experience for Schwab Advisor Services. Kerr’s team shapes the constantly evolving client experience with progressive technical and human resources designed to support the custody needs of a diverse advisor base.

Kerr began her career at Schwab in 1994 on the Advisor Services trading desk. During her tenure at Schwab, Kerr has held roles in client service delivery, operations, advisors in transition, strategy, and technology.

In 2016, AZ Business Magazine recognized Kerr as one of Arizona’s Most Influential Women. Kerr also serves on the Board of the Arizona Women’s Leadership Forum.

Kerr holds a bachelor’s degree in communications and her Series 7, 9, 10, 24, and 63 registrations.

Lisa Salvi is a member of the Advisor Services leadership team and is responsible for Schwab’s Business Consulting and Education offer. Her team develops and manages programs and one-on-one consulting engagements designed to help independent advisors make lasting and significant improvements within their firms by focusing on key business, technology, and cybersecurity issues. Salvi’s team leads the annual RIA Benchmarking Study, the Compensation Study, and programs that support the development of advisor talent through executive education and student initiatives. They also provide insights and tools that help the Advisor Services sales and support teams deliver outstanding client service to independent advisors.

Salvi has worked with fee-based advisors since 2003. Since joining Schwab in 2007, she has held several positions, including Chief of Staff to Bernie Clark, head of Advisor Services.

Salvi holds a bachelor’s degree from the University of California, Los Angeles, and the Series 7 and Series 24 registrations.