More of the same will just produce more of the same: less competitiveness, less growth, fewer jobs.

David Cameron

Former Prime Minister of the United Kingdom

Politics, the Markets, and Your Clients

Greg Valliere

Chief Political Strategist

Horizon Investments

Jeffrey Kleintop

Senior Vice President and Chief Global Investment Strategist

Charles Schwab & Co., Inc.

Liz Ann Sonders

Senior Vice President and Chief Investment Strategist


Charles Schwab & Co., Inc.

I’ve learned from the best leaders: Reach far and wide across the talent pool—and then enable your people to bring their full talent and full selves to work.

Pattie Sellers

Co-founder and Partner

Sellers Easton Media

Tax-free Roth accounts are powerful tools. And the tax law has more flexibility than most people realize to maximize and optimize how much can be put into them!

Michael Kitces

Partner and Director of Research, Pinnacle Advisory Group

Co-founder, XY Planning Network

It’s not random why some things become popular. There’s a science behind it. If we understand that science, we can get any product, service, or idea to succeed.

Jonah Berger

Marketing Professor


Wharton School of the University of Pennsylvania

Get ready to be inspired.

The Future State of the Investment Profession

John Bowman

John Bowman

Managing Director

CFA Institute

John Bowman is the managing director for the Americas at the CFA Institute, where he oversees strategy for the United States, Canada, the Caribbean, and Latin America. He is a spokesperson for the region with the media, regulators, and employers, advocating for high standards of practice, market integrity, and professionalism. He regularly speaks about industry topics such as the public trust and putting investors first.

Previously at the CFA Institute, Mr. Bowman was director of business development, vice president of new product development, and head of educational products. In 2010 he took a special assignment in London as head of the Investment Foundations™ program, leading the effort to develop the certificate program, which was launched in 2013. Before that he was a portfolio manager at Mellon Growth Advisors and an equity analyst and portfolio manager at State Street Global Advisors.

Mr. Bowman holds a bachelor’s degree in business administration from the University of Mary Washington and is a Chartered Financial Analyst®.

Protecting Your Firm from the Latest Fraud Schemes

Michelle Thetford

Michelle Thetford

Vice President, Client Strategic Solutions

Charles Schwab & Co., Inc.

Michelle Thetford is the vice president of Client Strategic Solutions at Schwab Advisor Services. She is responsible for client support and risk management for Schwab and its clients. Ms. Thetford leads the complex account solutions, business acceptance, premier consultant, advisor enrollment, and alternative investments teams. Previously, she served as vice president—and earlier as senior manager—of compliance for Schwab Advisor Services.

Before joining Schwab, Ms. Thetford was a vice president of operations for three AIG broker-dealers. Previously, she served as managing director of operations at SunAmerica Securities, an AIG broker-dealer. She began her career with a Minneapolis-based brokerage firm, where she learned every facet of serving high-net-worth clients in a multifamily office.

Ms. Thetford holds a bachelor’s degree in advertising from Michigan State University and has FINRA Series 7, 24, and 63 licenses.

Which IRA Do You Choose, and When Do You Choose It?

Michael Kitces

Michael Kitces

Partner and Director of Research, Pinnacle Advisory Group

Co-founder, XY Planning Network

Tax-free Roth accounts are powerful tools. And the tax law has more flexibility than most people realize to maximize and optimize how much can be put into them!

Michael Kitces is a partner and the director of wealth management at Pinnacle Advisory Group, a private wealth management firm. He is also a co-founder of the XY Planning Network, NextGen, and New Planner Recruiting; host of the Financial Advisor Success podcast; and publisher of Nerd’s Eye, a continuing education blog for financial planners. His website, Kitces.com, is dedicated to advancing knowledge in the field.

He is an active writer and editor and the recipient of numerous awards. His work has appeared in such publications as Financial Planning, the Journal of Retirement Planning, and the Wall Street Journal. He is the co-author of several books, including The Annuity Advisor and Tools and Techniques of Retirement Income Planning. He has also appeared on CNBC and NBC.

Mr. Kitces holds a bachelor’s degree in psychology from Bates College, a master’s degree in financial services from The American College, and a master’s degree in taxation from Tulsa University. He is a Certified Financial Planner™.

Finding Today’s Top Talent to Build for Tomorrow’s Success

Deena Katz

Deena Katz

Associate Professor, Department of Personal Financial Planning

Texas Tech University

Dr. Deena Katz is a Professor in the Department of Personal Financial Planning at Texas Tech University and a founding partner of Evensky & Katz/Foldes Financial Wealth Management in Coral Gables, Florida. She is an internationally recognized financial advisor and practice management expert, as well as the author of nine books on financial planning and practice management topics. She has won many awards for her efforts in the profession, including receiving the Alexandra Armstrong Lifetime Achievement Award from InvestmentNews in 2016.

Pattie Sellers

Pattie Sellers

Co-founder and Partner

Sellers Easton Media

I’ve learned from the best leaders: Reach far and wide across the talent pool—and then enable your people to bring their full talent and full selves to work.

An award-winning magazine writer and multimedia journalist, Pattie Sellers is the executive director of live content for Fortune magazine’s “Most Powerful Women” (MPW) feature, which first appeared in 1998. Ms. Sellers co-founded and directs Fortune MPW Entrepreneurs, the Fortune/U.S. State Department Global Women’s Mentoring Partnership, and the Goldman Sachs–Fortune Global Women Leaders Award. She is also a co-founder and partner at Sellers Easton Media, a content creation company.

Previously, Ms. Sellers was an assistant managing editor at Fortune, a Time Inc. publication. During a three-decade career at the magazine, she wrote more than 20 cover stories and interviewed such business luminaries as Warren Buffett, Rupert Murdoch, Melinda Gates, Ted Turner, and Oprah Winfrey. In 2013 she won Time Inc.’s Most Valuable Performer Award for her work at Fortune and her contributions to its parent company.

Ms. Sellers holds a bachelor’s degree in English from the University of Virginia.

Jocelyn D. Wright

Jocelyn D. Wright

Assistant Professor

The American College

Jocelyn Wright has more than 20 years of experience in financial services. She is an assistant professor of women’s studies and the State Farm Chair for Women and Financial Services at The American College. She is also the founder and managing partner of The Ascension Group, where she designs personalized strategies to help clients meet their financial goals.

Previously, Ms. Wright was an equity research analyst in the Global Asset Management Group at JPMorgan Chase and a research assistant at Nomura Securities. She created a financial education series called Debt Boot Camp, has written for such publications as Black Enterprise magazine, and hosted a weekly radio show called “The Bottom Line.” InvestmentNews named her to its “women to watch” list in 2016.

Ms. Wright holds a bachelor’s degree in business administration and finance from the University of Delaware and a master of business administration degree from Howard University. She is a Certified Financial Planner™.

Jon Yankee

Jon Yankee

Partner, Senior Financial Advisor, and Chief Executive Officer

FJY Financial

Jon Yankee is a partner, a senior financial advisor, and the chief executive officer at FJY Financial, which he co-founded in 2006. He oversees the firm’s strategic direction and its human-capital strategy.

Prior to FJY, Mr. Yankee was a financial advisor at Merrill Lynch and a program manager for the Pacific Basin Economic Council in Honolulu, Hawaii. He often speaks at industry events and conferences. Mr. Yankee has been quoted in Investor’s Business Daily and the Wall Street Journal, as well as on Forbes.com, CNBC.com, and in other publications. He has received numerous awards, appeared in Washingtonian magazine’s 2016 list of the “top fee-only financial planners,” and was on Northern Virginia magazine’s list of “top financial professionals” from 2012 to 2015.

Mr. Yankee holds a bachelor’s degree in international studies and Japanese from the University of Richmond and a master of business administration degree in international management from the Thunderbird School of Global Management. He is a Certified Financial Planner™.

Avoiding Your Firm’s Expiration by Creating a Sustainable Business

James T. Blair

James T. Blair

Partner

Moneta Group Investment Advisors

As a tenured partner and principal at Moneta Group Investment Advisors, James Blair brings to his role more than 30 years of experience serving institutional and individual investors. He is also chairman of Moneta’s Sustainable Business Committee, where he focuses on hiring and mentoring bright and ambitious talent, instilling in them the values inherent in Moneta’s culture and positioning them in client relationships early—all with the goal of developing a sustainable business and providing clients with seamless transitions in the future.

He is a six-time recipient of Worth magazine’s “top 100 advisors” ranking, has been on the Barron’s list of the “top 100 independent advisors” three times, and is a consistently ranked Five Star Wealth Manager.

Mr. Blair holds a bachelor’s degree in business administration from Southern Methodist University. He is an Accredited Wealth Management AdvisorSM and a Certified Financial PlannerTM.

Patrick McGinnis

Patrick McGinnis

Partner

Moneta Group Investment Advisors

Patrick McGinnis is one of Moneta Group’s youngest partners and the youngest member of the firm’s board of directors. He also serves as chairman of the Marketing and Culture Committees and is a member of several committees involved with governance. He is also a member of the Schwab Executive Leadership Program.

Mr. McGinnis is a prime example of Moneta Group’s commitment to developing talent. A graduate of Moneta’s partner-in-training program, he has risen through the ranks, beginning as an intern and later becoming a client-service manager and an advisor before making partner.

Mr. McGinnis holds a bachelor’s degree in finance from Saint Louis University. He is a Chartered Financial Analyst® and a Certified Financial Planner™.

Thomas E. O’Meara

Thomas E. O’Meara

Managing Partner and Chairman of the Board

Moneta Group Investment Advisors

Tom O’Meara brings more than 35 years of financial-planning experience—and a passion for mentoring and developing talent—to his role as the principal, managing partner, and chairman of the board at Moneta Group Investment Advisors. He also serves on the firm’s Executive and Governance Committees. Mr. O’Meara was a member of the firm’s first graduating class of its partner-in-training program. In his current position, he has helped champion Moneta’s Sustainable Business Program, which develops teams firmwide. Mr. O’Meara and his business partners continue to develop multigenerational talent to grow the firm. He was recently named one of the “top people to know to succeed in business” in St. Louis.

Before joining Moneta, he was a commercial banker.

Mr. O’Meara holds a bachelor’s degree in business administration from the University of Missouri and a master of business administration degree from Saint Louis University. He is an Accredited Investment Fiduciary®.

Kate Pexa

Kate Pexa

Senior Relationship Manager

Charles Schwab & Co., Inc.

Kate Pexa is a senior relationship manager at Charles Schwab Advisor Services. She works with a targeted group of large and complex advisor relationships, where she helps clients grow, compete, and succeed in the marketplace. Working with advisors since 2000, Ms. Pexa helps create innovative solutions to complicated problems by bringing extensive resources and expertise to bear, resulting in successful and loyal client relationships. She began her career at Charles Schwab & Co., Inc., in 1998 as an investment specialist. Prior to joining Schwab, Ms. Pexa worked in the broker program at Morgan Stanley Dean Witter.

Ms. Pexa holds a bachelor’s degree in economics from the University of St. Thomas in St. Paul, Minnesota. She has also served on the board of the CFA Society of Minnesota and is a CFA® charterholder.

China: Too Risky to Invest in or Too Big to Ignore?

Tiffany Hsiao

Tiffany Hsiao

Portfolio Manager

Matthews Asia Capital Management

Tiffany Hsiao is a portfolio manager and a senior equity analyst at Matthews Asia Capital Management.

Previously, Ms. Hsiao was a vice president and a research analyst at Goldman Sachs Investment Partners in Hong Kong and Tokyo, responsible for researching Asia-Pacific investments with an emphasis on equities in China. Before that she served as a portfolio manager and an equity research analyst at Franklin Templeton Investments.

Ms. Hsiao holds a bachelor’s degree in economics from the University of California, Berkeley, and a master’s degree in information technology from Carnegie Mellon University. She is a Chartered Financial Analyst®.

Kenneth Lowe

Kenneth Lowe

Portfolio Manager

Matthews Asia Capital Management

Kenneth Lowe is a portfolio manager at Matthews Asia Capital Management, where he manages two of the firm’s funds.

Previously, he was an investment manager on the Asia and global emerging markets equities team at Martin Currie Investment Management in Scotland.

Mr. Lowe holds a master’s degree in applied mathematics and economics from the University of Glasgow. He is a Chartered Financial Analyst®.

Andy Rothman

Andy Rothman

Investment Strategist

Matthews Asia Capital Management

Andy Rothman has been studying China for more than 30 years. He is an investment strategist at Matthews Asia Capital Management, where he helps the firm’s portfolio managers better understand the economic, political, and policy environment in China in the context of stock selection. He also educates investors about the country’s economic and political trends.

Before joining Matthews, Mr. Rothman was the China economist for CLSA, an Asia-focused research brokerage. Before that he worked in the macroeconomics office of the American embassy in Beijing, part of a 17-year career in the U.S. Foreign Service during which he also served as a diplomat.

Mr. Rothman holds a bachelor’s degree from Colgate University and a master’s degree in public administration from the Lyndon B. Johnson School of Public Affairs at the University of Texas at Austin. He is proficient in Mandarin.

Biagnostics™: Where Behavioral Finance Meets Client Experience

Omar Aguilar

Omar Aguilar

Senior Vice President and Chief Investment Officer of Equities

Charles Schwab Investment Management, Inc.

Omar Aguilar, PhD, brings more than 20 years of experience in equity markets to his role as senior vice president and chief investment officer for equities at Charles Schwab Investment Management, where he is responsible for equity and asset allocation mutual funds, exchange traded funds, and separately managed accounts.

Before joining Schwab, Mr. Aguilar was an asset manager at Financial Engines. Prior to that he was head of quantitative equity at ING Investment Management and head of quantitative research for alternative investments at Lehman Brothers.

Mr. Aguilar holds a bachelor’s degree in actuarial sciences and a graduate degree in applied sciences from the Mexico Autonomous Institute of Technology, as well as master’s and doctoral degrees from the Institute of Statistics and Decision Sciences at Duke University, where he was a Fulbright Scholar.

Greg Laurence

Greg Laurence

Managing Director of RIA Sales

Charles Schwab Investment Management, Inc.

Greg Laurence is the managing director of RIA sales at Charles Schwab Investment Management, where he oversees the sales and distribution of strategies for Schwab and Laudus® Mutual Funds, Schwab exchange traded funds, and Schwab Bank® Collective Trust Funds. He joined Schwab in 2009 as a regional director and vice president in the Midwest region.

Previously, he was the vice president of client service and marketing at Oberweis Asset Management and a vice president in the analytics division of Wilshire Associates. Before that he held various positions at DWS Scudder, now part of Deutsche Asset Management.

Mr. Laurence holds a bachelor’s degree in political science from the University of Iowa and a master of business administration degree from the University of Wisconsin. He is a Certified Financial Planner™, a Certified Investment Management Analyst®, an Accredited Investment Fiduciary®, and a Chartered Mutual Funds Counselor. He holds FINRA Series 6, 7, 24, 63, and 65 licenses.

Using Social Influence to Turn Clients into Fans

Jonah Berger

Jonah Berger

Marketing Professor


Wharton School of the University of Pennsylvania

It’s not random why some things become popular. There’s a science behind it. If we understand that science, we can get any product, service, or idea to succeed.

A world-renowned expert on new product adoption, consumer behavior, word of mouth, and how products, ideas, and behaviors catch on, Jonah Berger, Ph.D., is a professor of marketing at the Wharton School of the University of Pennsylvania.

Dr. Berger teaches Wharton’s highest-rated online course and has published dozens of articles in academic journals. His work has appeared in the New York Times, Wall Street Journal, and Harvard Business Review. He has written several books, including the best-selling Contagious: Why Things Catch On and Invisible Influence: The Hidden Forces That Shape Behavior. He is a frequent speaker at industry events and conferences.

Dr. Berger holds a doctorate in marketing from the Stanford University Graduate School of Business.

A Conversation with David Cameron

David Cameron

David Cameron

Former Prime Minister of the United Kingdom

More of the same will just produce more of the same: less competitiveness, less growth, fewer jobs.

One of the most prominent global influencers of the early 21st Century, David Cameron served as Prime Minister of the United Kingdom from 2010 to 2016, leading Britain’s first Coalition Government in nearly 70 years and, in 2015, forming the first majority Conservative Government for over two decades.

As the UK’s youngest Prime Minister in two centuries, Cameron transformed the UK’s economy. The deficit was reduced by over two-thirds; one million businesses set-up; a record number of jobs were created, and Britain became the fastest-growing major advanced economy in the world. That created the stability Cameron needed to cut taxes, introduce a National Living Wage, transform education, reform welfare, protect the National Health Service, and increase pensions.

Internationally, Cameron developed a foreign policy in the post-Iraq era that addressed the new challenges of the Arab Spring, as well as a more aggressive Russia, while ensuring Britain played a full role in the global fight against ISIS.

Elected Leader of the Conservative Party in 2005 to reform and modernise a party that had lost three elections in a row, Cameron advocated a new and distinctly modern, compassionate agenda. He led the way internationally by passing the UK’s Same Sex Marriage Act; championed environmental issues; and offered constitutional referenda on Scotland’s place within the United Kingdom, and on the United Kingdom’s place within the European Union.

Cameron continues to focus on issues he advanced while in office. He is Chairman of Patrons at National Citizen Service, the UK’s flagship youth development programme; President of Alzheimer’s Research UK; and he is chairing the LSE-Oxford Commission on State Fragility, Growth, and Development.

Politics, the Markets, and Your Clients

Jeffrey Kleintop

Jeffrey Kleintop

Senior Vice President and Chief Global Investment Strategist

Charles Schwab & Co., Inc.

As chief global investment strategist at Charles Schwab, Jeffrey Kleintop analyzes and discusses international markets, trends, and events to help U.S. investors understand their significance and financial implications. He provides research, commentary, and insights to Schwab’s client-facing teams and the firm’s Investor Services and Schwab Advisor Services™ clients. Mr. Kleintop is frequently cited in print, appears regularly on television news programs, and is a sought-after speaker.

Prior to joining Schwab, Mr. Kleintop served as chief market strategist at LPL Financial. Before that he was the chief investment strategist at PNC Wealth Management and the senior investment strategist at ARIS Corporation of America. He is the author of Market Evolution: How to Profit in Today’s Changing Financial Markets.

Mr. Kleintop holds a bachelor of business administration degree from the University of Delaware and a master of business administration degree from Pennsylvania State University. He also studied at the London School of Economics and is a Chartered Financial Analyst®.

Liz Ann Sonders

Liz Ann Sonders

Senior Vice President and Chief Investment Strategist


Charles Schwab & Co., Inc.

The ‘wall of worry’ has many a varied brick, yet the stock market has managed to scale them all for more than eight years. Perhaps it’s time to analyze the mature phase in the economic and market cycle.

Liz Ann Sonders investigates economic trends, reads investor sentiment, and crunches the numbers to analyze the nation’s economic health. As chief investment strategist at Charles Schwab, she is responsible for market and economic analyses, investor education, and other investment strategy activities. Ms. Sonders is a regular contributor to Schwab’s publications and a popular keynote speaker. She is also a senior vice president at Windhaven Investment Management, Inc., and serves on its Investment Committee.*

She is a regular guest and guest host on television news programs and is frequently quoted in financial publications. She has received multiple recognitions, including being named one of SmartMoney’s “power 30,” the “Best Strategist of the Year” by Kiplinger, and one of the “25 most powerful women in finance” by American Banker/US Banker.

Ms. Sonders holds a bachelor’s degree in economics and political science from the University of Delaware and a master of business administration degree in finance from Fordham University.

*Schwab and Windhaven are affiliated companies and subsidiaries of The Charles Schwab Corporation.

Greg Valliere

Greg Valliere

Chief Political Strategist

Horizon Investments

Greg Valliere cuts through the rhetoric and partisan maneuvering to offer observations about how politics in Washington, D.C., affects financial markets. He brings more than 30 years of experience to his role as chief political strategist at Horizon Investments. Mr. Valliere researches the actions of Congress, the White House, and the Federal Reserve in guiding U.S. economic and monetary policies. He is frequently quoted in the nation’s financial press and is a regular guest on several television and radio news programs.

Before joining Horizon Investments, Mr. Valliere was the chief policy strategist for Potomac Research Group and Soleil Securities Corporation. He previously held strategic roles at Charles Schwab’s Washington Research Group and was the research director at The Washington Forum, a group he co-founded in 1974. He began his career at F-D-C Reports, a trade publication monitoring the pharmaceutical industry.

Mr. Valliere holds a bachelor’s degree in journalism from The George Washington University.

Demystifying Cybersecurity: Best Practices to Help You Jump-Start Your Program

Adam Moseley

Adam Moseley

Managing Director

Charles Schwab & Co., Inc.

Adam Moseley is the managing director of business consulting for Schwab Advisor Services. He consults with advisors and is responsible for general management, leadership, and development of Schwab’s technology consulting team nationwide. Through interactive workshops and one-on-one consulting engagements, his team provides hands-on guidance and support to help investment advisors realize their aspirations for independence, growth, efficiency, and profitability.

Prior to his current role, he was a member of the technology consulting team. He joined Schwab Institutional in 1997 to work in trading and operations.

Mr. Moseley holds FINRA Series 7 and 63 licenses.

Is Your Firm Ready for the Fintech Wave?

Lex Sokolin

Lex Sokolin

Global Director of Fintech Strategy and Partner

Autonomous Research

Lex Sokolin is the director of fintech strategy at Autonomous Research, a global firm that helps financial services clients understand and benefit from technological innovation. He is on the board of directors of Advisor Engine (formerly Vanare), a digital wealth management technology company at which he was previously chief operating officer.

Previously, Mr. Sokolin was the founder and chief executive officer of NestEgg Wealth, an online wealth management firm that helped pioneer online wealth management using robo advisor technology. He contributes regularly to the Wall Street Journal, the Economist, American Banker, ThinkAdvisor, InvestmentNews, Reuters, and CNBC. He is a regular speaker at technology conferences and has appeared on the InvestmentNews “40 under 40” list.

Mr. Sokolin holds a bachelor’s degree in economics and law from Amherst College and master of business administration and law degrees from Columbia University.

MIT AgeLab: 8,000 Days of Retirement—A New Phase, Not the Finish Line

John Diehl

John Diehl

Senior Vice President of Strategic Markets


Hartford Funds

John Diehl is the senior vice president of strategic markets at Hartford Funds, where he is responsible for educating financial advisors and their clients about current and emerging opportunities in the financial services marketplace. He also oversees Hartford Funds’ relationship with the Massachusetts Institute of Technology AgeLab.

Previously, he served as senior vice president of the Retirement and Wealth Consulting Group, specializing in retirement issues and planning strategies, and as an assistant vice president. Mr. Diehl has been quoted in consumer and trade publications, such as the Wall Street Journal and Financial Planning. He has also appeared on CNBC and Bloomberg Television to discuss his views on retirement-related topics.

Mr. Diehl holds a bachelor’s degree in economics from Moravian College. He is a Certified Financial Planner™, a Chartered Financial Consultant®, and a Chartered Life Underwriter®. He also has FINRA Series 6, 7, 26, and 63 licenses and a life and variable insurance license.

Limiting Downside Risk: Modernize Your Approach to Portfolio Construction

Brett Mossman

Brett Mossman

Managing Director

BlackRock

Brett Mossman brings more than 20 years of experience in the asset management industry to his role as managing director at BlackRock. He is a member the firm’s Global Client Group and leads the Portfolio Solutions Group, which consults with clients in such areas as risk management, asset allocation, portfolio structure, and implementation.

Previously, Mr. Mossman worked at Barclays Global Investors, which merged with BlackRock in 2009. Before that he worked in asset management at JPMorgan Chase, consulting with institutional clients on investment strategies. He also served in the firm’s private banking division, where he advised C-suite executives and private business owners on a range of issues, including executive compensation, concentrated wealth, asset monetization, and exit strategies.

Mr. Mossman holds a bachelor’s degree in business administration with a concentration in finance from Fordham University.

Mark Peterson

Mark Peterson

Director of Investment Strategy and Education

BlackRock

Mark Peterson has more than 20 years of experience in financial services, with a primary focus on educating professionals about market and investment topics. He is the director of investment strategy and education at BlackRock, where he works with institutional and financial advisor clients, offering perspectives on equities, fixed income, alternative investments, and multi-sector approaches.

Prior to joining BlackRock, he was a director and the head of product strategy and economics at Deutsche Bank, working on all of the firm’s investment products. Previously, he held positions at the Board of Trade and the Chicago Mercantile Exchange.

Mr. Peterson holds a bachelor’s degree from Arizona State University.

Salim Ramji

Salim Ramji

Senior Managing Director


BlackRock

Salim Ramji is a senior managing director at BlackRock and the head of the wealth advisory business. He oversees the firm’s relationships with wealth management firms and the distribution of products, iShares, and technology services to retail clients. Previously, he was the global head of corporate strategy for Blackrock and a member of its Global Executive Committee.

Before joining BlackRock, Mr. Ramji was a senior partner at McKinsey & Co., where he led the asset management and retirement practice areas. Prior to that he worked in London and Hong Kong as a lawyer overseeing corporate finance and mergers and acquisitions.

Mr. Ramji holds a bachelor’s degree in economics from the University of Toronto and a law degree from Cambridge University. He is a Chartered Financial Analyst®.

Internships for Tomorrow’s Financial Planners

Deena Katz

Deena Katz

Associate Professor, Department of Personal Financial Planning

Texas Tech University

Dr. Deena Katz is a Professor in the Department of Personal Financial Planning at Texas Tech University and a founding partner of Evensky & Katz/Foldes Financial Wealth Management in Coral Gables, Florida. She is an internationally recognized financial advisor and practice management expert, as well as the author of nine books on financial planning and practice management topics. She has won many awards for her efforts in the profession, including receiving the Alexandra Armstrong Lifetime Achievement Award from InvestmentNews in 2016.

Brad Losson

Brad Losson

Vice President and National Managing Director, Advisor Services and Relationship Management

Charles Schwab & Co., Inc.

Brad Losson leads the Schwab Advisor Services™ sales and relationship management team for the United States. This team is responsible for business development and relationship management efforts with existing advisor clients of Schwab Advisor Services. These client types include advisors who have departed from other financial institutions to the independent model, existing RIAs, business managers, family offices, wealth managers, asset managers, and regional independent broker-dealers.

In addition to his direct sales and relationship management responsibilities, Mr. Losson is a member of the Advisor Services Sales Leadership Team responsible for general sales and business management, planning, forecasting, training, and development within the Advisor Services sales organization. This team is also responsible for the overall leadership and management of the Advisor Services business.

John Salter

John Salter

Associate Professor of Financial Planning

Texas Tech University

Dr. John Salter is a professor and associate chair in the Department of Personal Financial Planning at Texas Tech University as well as a wealth manager and partner of Evensky & Katz/Foldes Financial Wealth Management in their Lubbock, Texas office.

In 2014 Dr. Salter was honored in the inaugural “top 40 under 40” in the financial advice industry.

Dive deeper into topics that matter.

Our expert-led education sessions will have you asking all the right questions.

View Ed Sessions

The content on the IMPACT® website and in discussions at the IMPACT conference are meant for general informational purposes. The views expressed are not intended to provide specific financial, accounting, compliance, tax, regulatory, or legal advice.

Third-party firms, speakers, panelists, sponsors, and exhibitors are not affiliated with or employed by Schwab. Any mention of third-party firms or individuals is not and should not be construed as a recommendation, endorsement, or sponsorship by Schwab.

The IMPACT Awards® are not a referral to, endorsement or recommendation of, or testimonial for the advisor with respect to its investment advisory or other services.

Independent investment advisors are not owned by, affiliated with, or supervised by Schwab.

Charles Schwab & Co., Inc., receives remuneration from fund companies for recordkeeping, shareholder services, and other administrative services for shares purchased through its Mutual Fund OneSource® service. Schwab also may receive remuneration from transaction fee fund companies for certain administrative services.

Charles Schwab Advisor Services® serves independent investment advisors and includes the custody, trading, and support services of Schwab.

©2017 Charles Schwab & Co., Inc. (“Schwab”). All rights reserved. Member SIPC. PER 0817-767U

IMPACT Awards® FAQ

General

What is the purpose of the IMPACT Awards program?

Independent investment advisors have fundamentally changed the financial services landscape by providing client-centric, independent advice to affluent investors. Established in 2006 by Charles Schwab & Co., Inc. (“Schwab”), the IMPACT Awards honor firms that have advanced the industry and have achieved success through exemplary business practices.

As a response to the integration of the independent investment advisor and independent retirement plan provider communities in 2014, an award was added to recognize the unique achievements this group has brought to the retirement plan industry. In addition to the recognition, the awards program provides independent investment advisors and independent retirement plan providers with an opportunity to learn what leading firms are doing by sharing the winners’ best practices and achievements.

What are the IMPACT Awards categories?

Learn more about each IMPACT Award.

How many awards are given?

One winner is selected for each of the four awards.

Do winners receive any prizes?

Winners of each award category are honored at the ceremony, with each firm receiving a trophy and a $15,000 donation to a charitable organization of the winner’s choice. The selection of each winning firm’s charity is subject to Schwab’s approval.

Eligibility

Who is eligible for the IMPACT Awards?

Learn more about the eligibility requirements.

Must my firm have a relationship with Schwab to be eligible for consideration for an IMPACT Award?

Yes. To be considered for an IMPACT Award, firms must use Charles Schwab, Charles Schwab Advisor Services, or Charles Schwab Bank to custody client assets.

Nominations

How do you participate in the IMPACT Awards program?

Nominations for 2017 are now closed. You can sign up to receive email notification when 2018 IMPACT Award nominations are being accepted.

Is there a limit to how many nominations I can make?

You may nominate your firm once in each category for which you qualify.

If I participated in previous years, can I participate again?

Yes. We encourage you to participate every year. Best-in-Business and leadership award winners, however, will not be allowed to participate in any category for five years; previous Pacesetter Award winners may not participate in the Pacesetter IMPACT Award category again and must wait five years to participate in either of the other three award categories. Winners of the Best-in-Retirement Business IMPACT Award must wait five years before they are eligible for another award in any category.

Is there a fee to participate?

There is no fee to participate in the IMPACT Awards program.

Can I nominate my firm in more than one category?

Yes. You can nominate your firm once in each of the categories for which you qualify. However, multiple nominations for the same firm for the Best-in-Business IMPACT Award, Best-in-Retirement Business IMPACT Award, Pacesetter IMPACT Award, and Trailblazer IMPACT Award are not permitted.

Am I able to provide supplemental materials in addition to the nomination form as part of my award nomination?

At the time of nomination, only a completed form is accepted. Later in the process, Schwab may ask for additional information.

What if I do not complete the data requested on the nomination form?

All fields must be completed for a nomination to be accepted.

May I submit my nomination via regular mail?

No. Only nominations received through the nomination form are accepted.

May my firm use a previously published case study to fulfill the essay portion of the Best-in-Business IMPACT Award, Best-in-Retirement Business IMPACT Award, Pacesetter IMPACT Award, or Trailblazer IMPACT Award nomination?

Yes. Nominations may include previously produced content that is owned by the firm; however, information that is copyrighted by another source cannot be used.

Timeline and Notification

What are the program deadlines?

Nominations for 2017 are now closed. You can sign up to receive email notification when 2018 IMPACT Award nominations are being accepted.

When are the winners of the IMPACT Awards announced?

The IMPACT Awards will be presented at IMPACT 2017, a leading industry conference taking place November 14–17 in Chicago, Illinois. Information about the winners will be posted online after they are announced at the conference.

How are winners notified?

Winners will be notified in September via phone. Winners will be announced at the IMPACT Awards ceremony at IMPACT 2017.

Are runners-up chosen?

Only one winner for each category will be announced. No runners-up are selected.

Judging

How are winners selected?

Entries are reviewed to ensure that they meet all eligibility requirements and Schwab criteria. The remaining finalists are then judged by a distinguished panel of leaders from across the business world and financial services industry who understand the challenges and opportunities facing today’s investors and those who serve them. These judges convene to review finalist nominations and select the winners in each category. Final selection is subject to acceptance of the IMPACT Awards terms and conditions and final approval by Schwab. In granting its final approval, Schwab is guided by the criteria for the IMPACT Awards program and also considers which candidates best exemplify the prestige and purpose of the awards and reflect Schwab’s reputation in the marketplace for integrity, service, and value. Schwab has absolute discretion in approving the winners, and Schwab’s decisions in all matters related to the awards and the IMPACT Awards program are final.

What criteria are used to determine the winners?

Nominations for the IMPACT Awards are evaluated based on each firm’s ability to demonstrate success in the following areas.

Best-in-Business IMPACT Award

  • Business planning
  • Technology strategy
  • Practice management and employee development
  • Client loyalty

Best-in-Retirement Business IMPACT Award

  • Business planning in the retirement industry
  • Technology strategy in the retirement industry
  • Practice management and employee development
  • Client loyalty

Pacesetter IMPACT Award
Demonstrated accelerated growth in tandem with the following:

  • Business planning
  • Technology strategy
  • Practice management and employee development
  • Client loyalty

Trailblazer IMPACT Award
Demonstrated change in helping the industry reach new heights, for example:

  • Focused understanding of the unique needs of a specific client segment and a developed, innovative approach to serving them (i.e., a new business model, marketing strategy, or strategic plan)
  • Made a difference in the community through programs to educate new audiences about financial planning
  • Helped shape the industry’s future through advocacy efforts in Washington, D.C., or involvement with industry associations
  • Made strides in attracting and cultivating the RIA industry’s next generation of talent
  • Awards or other distinctions

How does Schwab use the information provided through the nomination form?

Information you provide is used to review and judge your nomination for the IMPACT Awards program. Schwab and the judging panel maintain the confidentiality of your nomination. Schwab does not sell the information collected. See the IMPACT Awards terms and conditions for more information.

How is objectivity maintained in the selection process?

Schwab uses the eligibility criteria to review all nominations received. Once Schwab confirms the finalists, a judging panel of industry experts selects the winners for all four awards. All IMPACT Award winners are subject to Schwab’s final approval.

Questions?
We’re eager to help.

Nomination process

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