1. May 27, 2015 | 3 West Club | New York, New York
Older Investors Summit
Strengthening Financial Security for Older Americans
2. 2 IRI Older Investors Summit 2015
Anti-Trust Policy and Caution
As members of a trade association, each person attending this function must be mindful of the constraints imposed by federal
and state anti-trust laws. The people here today represent companies that are in direct competition with one another. IRI’s
purpose is to provide a forum for the free exchange of ideas on the designated topics. It is not the purpose of this meeting to
reach any agreement that could have anti-competitive effects. Individuals must keep in mind that a violation of the anti-trust
laws may subject them to substantial fines – or worse. You can avoid problems by following these simple guidelines:
• Stick to the published agenda.
• Be cautious about discussions involving pricing, premiums, benefits to be offered or terminated, and who should or should
not be covered. The Justice Department views these types of discussions with concern and suspicion. Never take a poll of
participants’ positions or make a collective agreement on these issues.
• Always retain your right to make an independent judgment on behalf of your company. IRI is dedicated to assisting each of
its members in achieving their competitive potential.
3. myIRIonline.org 3
Dear Colleague,
On behalf of the IRI Board of Directors, welcome to the IRI Older Investors Summit: Strengthening Financial Security for Older Americans.
We are delighted to have you join us as we explore the issues of diminished capacity and financial elder abuse with financial services
industry leaders, nationally recognized academics, as well as policymakers and regulators.
The population of people aged 65 and older is one of the fastest growing cohorts in the United States. The U.S. Census Bureau projects that
this group will nearly double in size by 2050 – largely as a result of aging Baby Boomers – increasing to nearly 84 million Americans. As this
group continues its record expansion, it will necessitate the availability of information for financial services professionals and consumers
regarding issues specific to older Americans.
As a result, IRI has compiled the best resources from nonprofit groups, regulators and government agencies to create a one-stop shop
focused on protecting older investors.
The IRI resource center on protecting older investors is available at IRIonline.org under our Research and Education section. Here you will
find a wide array of important information and educational materials including:
• Resources for consumers to protect against being the victim of financial abuse.
• An interactive map to find local resources to protect older consumers who may be the victim of financial elder abuse.
• Tip sheets for financial advisors on spotting signs of diminished capacity and financial elder abuse.
• Regulatory notices, guidance and reports for financial services firms on interacting with older clients.
But that is just the first step.
Through this Summit, IRI has brought together a powerful complement of advocates and stakeholders to help advance our collective
goals to protect older clients from financial harm. By working together to increase awareness and knowledge regarding financial elder
abuse, it is our objective to prevent it from occurring so that retirees can maintain a secure and dignified retirement.
Thank you again for your participation. We look forward to a dynamic and educational discussion.
Sincerely,
Catherine J. Weatherford
President and CEO
Insured Retirement Institute (IRI)
5. Event Sponsors
IRI would like to thank the following organizations for their support of the IRI Older Investors Summit:
Chairman Level:
President Level:
Director Level:
6. 8:15 AM – 9:00 AM Breakfast
9:00 AM – 9:15 AM Welcome Remarks
Summit Chair: John Papadopulos
President
Wells Fargo Retirement,
Wells Fargo & Company
Treasurer/Secretary,
IRI Board of Directors
9:15 AM – 9:45 AM Retirement Planning and
Older Investors: An Overview
Speaker: Judith Kozlowski, JD
Senior Advisor for Elder
Justice, Administration for
Community Living,
Department of Health
and Human Services
9:45 AM – 10:15 AM Industry Keynote
Speaker: Walter White
President and
Chief Executive Officer,
Allianz Life Insurance Company
of North America
10:15 AM – 11:00 AM Just the Facts:
Understanding the Issues
Facing Older Investors
Moderator: Ronald Long
Senior Vice President &
Director of Regulatory
Affairs and Client Initiatives,
Wells Fargo Advisors, LLC
Panelists: Angela Gutchess, Ph.D.
Associate Professor
of Psychology,
Brandeis University
Rosa Maymi
Senior Advisor
Financial Security,
AARP
Gregory Samanez-Larkin, Ph.D.
Assistant Professor of
Psychology, Cognitive
Science & Neuroscience,
Yale University
11:00 AM – 11:15 AM Break
6 IRI Older Investors Summit 2015
Agenda
7. 11:15 AM – 12:15 PM Regulator Roundtable:
Initiatives to Educate and
Protect Older Americans
Moderator: Paula Nelson
Executive Vice President
Global Atlantic Financial
Group / Head of Annuity
Distribution,
Forethought Distributors, LLC
Panelists: Lourdes Gonzalez
Assistant Chief Counsel –
Sales Practices, Division
of Trading and Markets,
U.S. Securities and
Exchange Commission
Nora Eisenhower
Assistant Director
Office of Older Americans,
Consumer Financial
Protection Bureau
12:15 PM – 1:30 PM Lunch [provided] and
Investor Education:
Media Perspectives
Moderator: Gregory Crawford
Deputy Editor,
Investment News
Panelists: Ashlea Ebeling
Associate Editor,
Forbes Media LLC
Richard Eisenberg
Assistant Managing Editor,
PBS Nextavenue.org
1:30 PM – 2:00 PM The Emotional Connection:
Financial Planning in the
Shadow of Dementia
Speaker: John Kohler
Senior Vice President of
Advanced Markets,
Transamerica Capital
myIRIonline.org 7
Agenda
8. 8 IRI Older Investors Summit 2015
Agenda
2:00 PM – 2:45 PM Protecting Older Investors:
The Role of Training and
Compliance Programs
Moderator: Timothy Keeton
Assistant Vice President
Senior Investors &
Advisors Compliance,
LPL Financial
Panelists: Jennifer Lewis
Corporate Counsel,
MetLife
Shawn Scholz
Vice President
Compliance Policy,
Training & Field Oversight,
Ameriprise Financial
2:45PM – 3:00 PM Break
3:00PM – 3:45 PM Best Practices for Working
with Older Investors
Moderator: Thomas M. Mierswa, Jr., Esq.
Executive Director
Branch Advisory Group, Legal
and Compliance Division,
Morgan Stanley Wealth
Management
Panelists: Jamie Cox
Managing Partner
Harris Financial Group
Wendy Johnson
Assistant Vice President,
Conflict Resolution,
Department of Compliance,
U.S. Bancorp Investments Inc.
3:45PM – 4:15 PM Public Policy: Opportunities
to Meet the Needs of
Older Investors
An Open Discussion
among Speakers and
Attendees
4:15 PM Closing Remarks
Summit Chair: John Papadopulos
President,
Wells Fargo Retirement
Wells Fargo Company
Treasurer/Secretary,
IRI Board of Directors
10. Speaker Biographies
Jamie Cox
Managing Partner
Harris Financial Group
James Cox, managing partner at Harris Financial
group—A Financial Planning Firm in Richmond,
VA, helps clients retire from some of America’s most established
companies, including Verizon, Altria, Dominion, Exelon, and Duke
Energy. Jamie holds both an Undergraduate Degree in Chemistry
and an MBA from Virginia Commonwealth University.
Previously recognized by Barron’s, Registered Rep Magazine and
Virginia Business Journal as one of the top independent financial
advisors in the country based on assets under management, Mr. Cox
has established himself in the industry as a leader and an educator.
He a frequent guest on national television and has been quoted
extensively throughout national and trade press. Recently, Mr. Cox
was named as InvestmentNews’ #2 Financial Adviser Must Follows
on Twitter.
Gregory Crawford
Deputy Editor
InvestmentNews
GregCrawfordgrewupinwesternMassachusetts,
attendedDrewUniversityinMadison,N.J.,wherehe
caught the writing bug and realized that New York was the place to
be. His first job was in publishing; however, it was telemarketing a
computer equipment directory for Ziff-Davis. He eventually landed
at Reuters, where he cut his teeth on the Wall Street desk. He spent
10 years there in New York, Hong Kong and Chicago. He then
joined Crain Communications in 2003 as a reporter with Pensions
Investments, was involved with the Crain startup Financial Week
for a couple years, rejoined to PI as online editor, took a couple
years ‘off’ from Crain to run a content-driven community website
for the institutional capital markets industry and came back in 2010
to join InvestmentNews. Greg has a wife and two kids and his main
hobby is cooking.
11. Speaker Biographies
myIRIonline.org 11
Ashlea Ebeling
Associate Editor
Forbes Media LLC
Ashlea Ebeling covers personal finance for
Forbes Media LLC. She helps consumers navigate
tax-advantaged workplace benefits, college savings and retirement
accounts, tax and estate planning and philanthropy. Follow her
stories at http:/www.forbes.com/sites/ashleaebeling or www.
twitter.com/ashleaebeling.
Richard Eisenberg
Assistant Managing Editor
PBS Nextavenue.org
Richard Eisenberg is Assistant Managing Editor
and Editor of the Money and Work channels at PBS’s
Nextavenue.org,asiteforpeople50+.Previously,hewasFrontPage
Finance Editor of Yahoo.com, Executive Editor of Money magazine,
Special Projects Director and Money Editor of Good Housekeeping
and a personal finance reporter at USA Today. He is also the author
of How to Avoid a Mid-Life Financial Crisis and The Money Book
of Personal Finance. Mr. Eisenberg is a graduate of Northwestern
University’s Medill School of Journalism.
Nora Dowd Eisenhower
Assistant Director, Office of Financial
Protection for Older Americans
Consumer Financial Protection Bureau
Nora Dowd Eisenhower joined the Consumer
Financial Protection Bureau (CFPB) to serve as the Assistant
Director of its Office of Financial Protection for Older Americans in
August 2013. Prior to joining the CFPB, she served as the Senior
Vice President of Economic Security and Director of the National
Center for Benefits Outreach Enrollment at the National Council
on Aging. Her experience in working with older Americans also
reaches to the state and private levels. Previously, Nora worked
as Secretary of the Pennsylvania Department of Aging, where she
managed an extensive statewide network of aging services. Prior
to the Department of Aging, she served as Executive Director for
AARP Pennsylvania. Earlier in her career, she fought health care
fraud among Medicare beneficiaries at The Center of Advocacy for
the Rights and Interests of the Elderly (CARIE) and also served as a
Pennsylvania deputy attorney general in the Bureau of Consumer
Protection. She began her legal career as a staff attorney at the
Federal Trade Commission in Washington, D.C. where she targeted
telemarketing fraud and other matters involving consumer fraud.
12. Speaker Biographies
12 IRI Older Investors Summit 2015
Lourdes Gonzalez
Assistant Chief Counsel for Sales Practices,
Division of Trading and Markets
U.S. Securities and Exchange Commission
Lourdes Gonzalez is Assistant Chief Counsel for Sales Practices
in the Division of Trading and Markets at the U.S. Securities and
Exchange Commission. The Office of Sales Practices has program
responsibility for a broad range of broker-dealer sales practice
issues, as well as broker-dealer supervision, anti-money laundering
compliance, and securities arbitration.
Ms. Gonzalez also has served as Counsel to former SEC
Commissioner Laura S. Unger. Prior to joining the Commission in
1993, Ms. Gonzalez worked at the U.S. Department of the Treasury.
She earned her law degree from George Washington University and
her undergraduate degree from Georgetown University.
Angela Gutchess, Ph.D.
Associate Professor of Psychology
Brandeis University
Dr. Angela Gutchess is an Associate Professor of
Psychology at Brandeis University, with appointments
in Neuroscience and the Volen Center for Complex Systems. She
received her Ph.D. in Psychology from the University of Michigan
and her BA and BS from Boston University. Her research investigates
the influence of age and culture on memory, using both behavioral
and neuroimaging (fMRI, ERP) methods. This work has been funded
by NIA, NSF, Fulbright Program, American Federation for Aging
Research, and the Alzheimer’s Association. She has authored over
50 journal articles and has a forthcoming book on the cognitive
neuroscience of aging.
Timothy Keeton
Assistant Vice President
Senior Investors Advisors Compliance
LPL Financial
TimothyKeetonisAssistantVicePresidentandhead
of Senior Investors and Advisors Compliance at LPL Financial. Tim is
the primary point of contact for advisors, OSJ supervisors, senior
management and other home office personnel at LPL, regarding
issues affecting senior investors and senior advisors (e.g. dementia,
elder financial exploitation, etc.), and is responsible for designing
and implementing a best-in-class program including developing
content for training and communication material, benchmarking
within the industry, and reviewing and identifying any gaps, related
to seniors, in the overall compliance and risk management program.
Mr. Keeton is an experienced senior banking and financial services
professional with a depth of experience in other areas such as
suitability and “know-your-customer” rules, supervision, policy
creation, offshoring, and electronic communications for the banking,
investment banking and capital markets, investment advisory and
insurance industries. He is active in the industry supporting efforts to
improve and develop policies relating to senior investor issues and
is a member of the SIFMA Senior Investors Working Group. He has
been active in the industry since 1989.
13. Speaker Biographies
myIRIonline.org 13
Jennifer Lewis
Corporate Counsel
MetLife
Jennifer Lewis is Corporate Counsel in the Broker-
Dealer Unit of the Law Department of MetLife. Ms.
Lewis has been involved with Senior Investor issues since 2006,
when the securities regulators issued a joint report on “free lunch”
sales seminars. She provides advice on policies and procedures,
training and education, and supervision and oversight. Ms. Lewis
chairs an internal Vulnerable Customer task force. She is also a
member of the SIFMA Senior Investors committee. Ms. Lewis has
been with MetLife for nine years. Prior to moving to Massachusetts,
Ms. Lewis was Special Counsel in the Division of Market Regulation
at the SEC.
Ronald Long
Senior Vice President Director of
Regulatory Affairs and Client Initiatives
Wells Fargo Advisors, LLC
Ron Long joined Wells Fargo Advisors through
its predecessor Wachovia in 2002. His current role at the firm
is Senior Vice President and Director of Regulatory Affairs and
Elder Client Initiatives. In this role, Ron works with key business
and support units to insure they are aware of challenges facing
elder clients and preparing them for the changing regulatory and
legislative environment. He assists the firm by frequently meeting
with securities regulators and adult protective services while also
monitoring legislative changes impacting the retail brokerage
industry.
Ron worked for the U.S. Securities and Exchange Commission
in several roles including as a counselor to Chairman Arthur Levitt.
He attended Williams College and received his law degree from
Georgetown University Law Center.
Rosa Maymi
Senior Advisor
Financial Security
AARP
Rosa Maymi is an Advisor with AARP’s Financial
Security Team, supporting efforts to educate aged 50+ consumers
on anti-fraud initiatives, asset protection, and other financial
security issues. Prior to AARP, she was with FINRA (Financial
Industry Regulatory Authority) where she oversaw the development
of educational resources for financial services professionals; she
also directed a communications services unit earlier in her career
at FINRA. Rosa earned masters and bachelor’s degrees from the
University of Maryland.
Thomas M. Mierswa, Jr., Esq.
Executive Director, Branch Advisory
Group, Legal and Compliance Division
Morgan Stanley Wealth Management
Tom Mierswa is an Executive Director in the
Branch Advisory Group of the Legal and Compliance Division of
Morgan Stanley Wealth Management. He started his career on
Wall Street as a litigator, later turning to retail advisory law. Before
joining Wall Street, Tom clerked on the District of Columbia Court of
Appeals and served as a Senior Investigative Counsel in the New
York County District Attorney’s Office. He is an adjunct professor
of law at Fordham University Law School, sits as a FINRA arbitrator
and is a frequent presenter on issues arising from the handling of
accounts of senior investors.
14. Speaker Biographies
14 IRI Older Investors Summit 2015
Paula Nelson
Executive Vice President,
Global Atlantic Financial Group /
Head of Annuity Distribution
Forethought Distributors, LLC
Paula Nelson has over 25 years of experience in the bank and
broker-dealer community. She served as Chief Executive Officer and
President of Transamerica Capital, Inc., a leading wholesale broker-
dealer offering variable and fixed annuities, mutual funds and life
insurance.
As Managing Director for AEGON Financial Services Group, Inc.,
she was responsible for business development with AEGON’s top
institutional business partners in the United States.
Ms. Nelson served for 10 years on the board of the American
Bankers Insurance Association, the largest bank/insurance trade
association in the country. She also served on the Advisory Board
of Banks in Insurance an industry association and trade publication
from 1990-1997. Ms. Nelson is a registered principal, holding a series
26, 6, and 63 securities license and her life and health license in the
State of Minnesota.
Ms. Nelson is a 1985 graduate of the University of Minnesota.
John Papadopoulos
President
Wells Fargo Retirement
Wells Fargo Company
Treasurer/Secretary
IRI Board of Directors
Mr. Papadopulos is responsible for leading Wells Fargo’s
retirement business across the company. In addition to retirement
strategy, his group drives the sales of IRAs and annuities through the
company’s bank and brokerage channels, manages the institutional
retirement, trust and custody businesses and leads the company’s
reinsurance practice. He assumed his current position in May 2008.
Previously, Mr. Papadopulos was responsible for Wachovia’s
investment banking business with insurance companies, banks and
large cap financial institutions and before that he was responsible
for developing and managing relationships with Wachovia’s top
institutional investor clients globally. Before this position, Mr.
Papadopulos was responsible for the firm’s investment banking
efforts within the Industrial Growth, Consumer Products and Retail,
and Energy and Power sectors and ran the firm’s Merger and
Acquisition and Private Placement businesses.
Prior to joining First Union in 1996, Mr. Papadopulos was a
Managing Director and Co-Head of Bankers Trust’s Global Fixed
Income business, based in New York. Mr. Papadopulos started
his career with the Continental Bank in Chicago. Mr. Papadopulos
has a B.S. from Indiana University and a MBA from Northwestern
University’s Kellogg School of Management. He and his wife, Susie,
live in Charlotte with their four children.
15. Speaker Biographies
myIRIonline.org 15
Gregory Samanez-Larkin, Ph.D.
Assistant Professor of Psychology,
Cognitive Science Neuroscience
Yale University
Gregory Samanez-Larkin is a professor of
psychology, cognitive science, and neuroscience at Yale University
and received his PhD from Stanford University. He is a rising expert
on decision making and aging. His research combines psychology,
neuroscience, and economics to examine how different aspects of
motivationandcognitionchangeacrossthelifecourseandinfluence
decisionmakingwithanemphasisonconsumerfinance.Thisworkis
supported by several grants and awards from the National Institute
on Aging and the FINRA Investor Education Foundation. At Yale he
teaches a well-reviewed seminar on decision making in the brain
and a surprisingly popular large lecture course on statistics.
Shawn Scholz
Vice President, Compliance Policy,
Training Field Oversight
Ameriprise Financial
ShawnScholz is VicePresident,Compliance within
the General Counsel’s Office at Ameriprise Financial, Inc. Mr. Scholz
has responsibility to develop and manage all policies for the broker-
dealer,leadregulatoryandcompliancecommunicationsandtraining
development for the firm and oversee the compliance functions of
the sales organization of Ameriprise Financial including the OSJ and
branch exam program as well as the Senior Investors support and
oversightstrategyforthefirm.Mr.ScholzhasbeenwithAmeriprisefor
18yearsinavarietyofpositionsincludingtradingoperations,clearing
operations,recruiting,trainingandprogramimplementation.Priorto
his current role, Mr. Scholz led the development of major technology
capabilities, expanding operations in multiple states and managing
components of the investment agenda for the Advice and Wealth
Management segment at Ameriprise. Mr. Scholz is active in the
industry supporting efforts specifically tied to Senior Investor issues
including the SIFMA Senior Investors committee and an advocate
for Ameriprise to develop increased awareness and education for
registered representatives, clients and the general public.
16. Speaker Biographies
16 IRI Older Investors Summit 2015
Catherine J. Weatherford
President and CEO
Insured Retirement Institute
Catherine Weatherford is the President and Chief
Executive Officer of the Insured Retirement Institute
(IRI), the leading not-for profit organization educating Americans
about the importance of retirement planning, including the growth,
acceptance,andunderstandingofannuityandvariablelifeproducts.
She led the association through an extensive and successful
rebranding, bringing in more than 150,000 financial advisors as
members. As a result of her leadership and accomplishments, Ms.
Weatherford was selected as one of the nation’s top association
executivesfor2010,joiningtheranksof20eliteleadersselectedfrom
hundreds of candidates. Ms. Weatherford is a distinguished thought-
leader on issues related to retirement security. She is a member of
theU.S.Chamber’sCommitteeof100,aswellastheExchequerClub,
the pre-eminent forum in Washington, D.C., for national economic
and financial policy.
Prior to joining IRI, Ms. Weatherford served for 12 years as
Chief Executive Officer of the National Association of Insurance
Commissioners.ShewasalsothefirstwomantoserveasOklahoma’s
Insurance Commissioner – a position she held from 1991 to 1995,
after serving as a senior policy advisor to Oklahoma Governor
David Walters. She began her career at the Oklahoma Insurance
Department, serving in several capacities in her 13-year tenure.
She served on the National Insurance Producer Registry Board of
Directors for nine years and the American Society of Association
Executives Board of Directors for four years. She is a graduate of the
University of Central Oklahoma with a Bachelor of Arts in political
science.
Walter White
President and Chief Executive Officer
Allianz Life Insurance Company
of North America
Walter White is president and CEO of Allianz
Life Insurance Company of North America (Allianz Life®). Prior to
assuming his position as CEO, White served as chief administrative
officer leading the Operations, IT, Compliance, and Suitability
departments, and the Central Project Office.
Before joining Allianz Life in 2009, Mr. White was president of
Woodbury Financial Services (now an AIG broker/dealer), and led
the formation of the company after Hartford Life purchased Fortis
Financial Group in 2001. Prior to joining Fortis, White was president
of MONY Brokerage, the MONY Group’s life insurance brokerage
subsidiary.
Mr. White earned his BA in history from Yale University, and an
MBA from The Wharton School at the University of Pennsylvania. He
is an active member of the Minnesota Business Partnership and the
American Council of Life Insurers.
18. What’s better than an annuity
with a daily step-up option?
How about one with two.
Daily 6/Daily +4 cost 1.25% annually. The charge cannot exceed 2.50%. These optional benefit charges may increase upon any contract anniversary. If an increase is declined, the withdrawal
percentage will be decreased by 1% (ex.: 5% to 4%); however, market step-ups and Deferral Bonuses, if applicable will continue to be credited.
All guarantees are based on the claims-paying ability of Forethought Life Insurance Company and assume compliance with the benefit rules.
Variable annuities offer tax-deferral, professionally managed investment options and flexible payouts. Values will fluctuate with investment performance, and the annuity may gain or lose value.
Charges and fees will also reduce its value. Optional benefits are not available for purchase outside of a variable annuity and may be elected at an additional cost. A standard death benefit is
included in the base product. Suitability and willingness to purchase the variable annuity must be considered prior to the potential benefits of any optional features.
Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes, and if made prior to age 591/2, may also be subject to a 10% federal income tax penalty.
Distributions received from a non-qualified contract before the Annuity Commencement Date are taxable to the extent of the income on the contract. Payments from IRAs are taxable in
accordance with the normal rules surrounding taxation of payments from an IRA. Early surrender charges may also apply. Withdrawals will reduce the death benefit and any optional guaranteed
amounts in an amount more than the actual withdrawal.
This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding
IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, your clients should consult their own tax or legal counsel
for advice.
The ForeRetirement flexible-premium variable annuity suite is issued by Forethought Life Insurance Company and underwritten and distributed by Forethought Distributors, LLC.
Forethought is Forethought Life Insurance Company and affiliates, subsidiaries of Global Atlantic Financial Group Limited.
To learn more about Forethought and ForeRetirement, contact your wholesaler or call (877) 454-4777.
NOT FOR USE WITH THE PUBLIC. FOR BROKER/DEALER USE ONLY.
Daily 6 Daily +4
ForeRetirementTM
variable annuity, now with two optional
daily step-up withdrawal benefits for client income needs.
101706 (01-15)
ForeRetirementTM
Variable Annuity
19. IRI Board of Directors
Bruce Ferris — Chairman
President
Prudential Annuities Distributors
Nick Lane — Vice Chairman
Senior Executive Director
Head of U.S. Life and Retirement
AXA
Robert Moore — Immediate Past
Chairman Chief Executive Officer
Legal General Investment Management
American, Inc. (LGIMA)
John Papadopulos — Treasurer/Secretary
President
Wells Fargo Retirement
Wells Fargo Company
Catherine J. Weatherford — President
President and Chief Executive Officer
Insured Retirement Institute (IRI)
William Benjamin **
Chief Executive Officer
U.S. Bancorp Investments Inc.
U.S. Bancorp Insurance Services
Mitchell Caplan
Chief Executive Officer
Jefferson National Financial
John Carter **
President Chief Operating Officer
Nationwide Retirement Plans
Greg P. Cicotte
Head of U.S. Wealth Management
and Distribution
Jackson National Life
Michael Cogswell
Senior Vice President
Product Manager - Retirement Solutions
PIMCO
Scott Couto
President
Fidelity Financial Advisor Solutions
David Cruz
Senior Managing Partner / Head of Retail Annuities
New York Life Insurance Company
Robert DeChellis **
President Chief Executive Officer
Allianz Life Financial Services
Lynne Ford
Executive Vice President
Head of Distribution
Calvert Investments, Inc.
Elizabeth M. Forget
Senior Vice President
MetLife Americas Retail Division
Will H. Fuller
President Annuity Solutions
Lincoln Financial Distributors and
Lincoln Financial Network
Benjamin Huneke
Managing Director
Head of Investment Solutions
Morgan Stanley Wealth Management
Carolyn Johnson
President of Annuities Tax Exempt Markets
Voya Financial
Jim Kwok
Managing Director
J.P. Morgan Asset Management
William Lowe
President
Sammons Retirement Solutions
Erica McGinnis
President and Chief Executive Officer
AIG Advisor Group
Jeff Miller
Head of Wealth Management
Advice Platforms
UBS Financial Services, Inc.
William Morrissey
Managing Director and Divisional President
Independent Advisor Services
LPL Financial
Paula Nelson **
Executive Vice President
Global Atlantic Financial Group
Head of Annuity Distribution
Forethought Distributors, LLC
Caroline O’Connell
Chief Marketing Officer
Investment Services
BNY Mellon
Jerry Patterson
Senior Vice President of Retirement
Investor Services
Principal Financial Group
Dave Paulsen
President
Transamerica Distributors Investments
and Retirement Division
Transamerica Capital, Inc.
George Riedel
Head of Financial Institutions
US Investment Services
T.Rowe Price
Larry Roth
Chief Executive Officer
Cetera Financial Group
Tom Streiff
Senior Managing Director
Retirement Income Product Distribution
Integration
TIAA-CREF
David Tyrie
Managing Director
Head of Retirement Personal Wealth Solutions
Global Wealth Retirement Solutions
Bank of America Merrill Lynch
Marc Vosen
Chief Executive Officer
Key Investment Services
**At-large member of the IRI Executive Committee,
which includes IRI officers.
myIRIonline.org 19
20. Gregory Curley
Senior Litigation Counsel
AIG Advisor Group
Michele Kryger
Director of Compliance Operations
AIG American General Life Companies
Vanessa Ramirez
Senior Director of Government
Relations and Counsel
Allianz Life Insurance Company
Walter White
President and Chief Executive Officer
Allianz Life Insurance Company
Shawn Scholz
Vice President- Compliance
Ameriprise Financial Services
Angela Reynolds
Retirement Income Sales and
Relationship Manager
Cetera Financial Group
John Ellis
Principal, Field Supervision
Edward Jones
Chris Shea
Compliance Director
Fidelity Investments Life Insurance Company
Mary Cavanaugh
Chief Compliance Officer
Global Atlantic Financial Group
Paula Nelson
Head of Annuity Distribution
Forethought Life Insurance Company,
A Global Atlantic Company
Yaqub Ahmed
Head of Investment-Only Division-U.S.
Franklin Templeton Investments
Renee Long
Retirement Product Manager
Goldman Sachs Asset Management
Linda Senker
Chief Compliance Officer - Retirement
Solutions
Guardian Insurance Annuity Co.
Jamie Cox
Managing Partner
Harris Financial Group
Rhonda Monroe
Annuity Suitability Manager
Jackson National Life
Proud Sponsor of the IRI Older Investors Summit
Attendees List
20 IRI Older Investors Summit 2015
21. Attendees List
Yoojin Kim
Client Portfolio Manager
JP Morgan Asset Management
William Dauksewicz
Vice President Manager,
Individual Life Compliance
Liberty Mutual Group
Jana Lee Pruitt
Executive Vice President
Life Insurance Council of New York, Inc.
Timothy Keeton
AVP
LPL Financial
Kelly Pirrotta
AML Compliance Director
MassMutual Financial Group
Lori Salvo
First Vice President and Asst. General
Counsel
Merrill Lynch Global Wealth Management
Anthony Bundy
Senior Fraud Investigator
MetLife
Jennifer Lewis
Senior Counsel
MetLife
Patricia Reilly
Advanced Markets Consultant
MetLife
Rich Smith
Compliance Manager
MetLife
Ronke Desalu-Dottin
VP - Annuity Business Development
Morgan Stanley
James Rabenstine
Chief Compliance Officer
Nationwide Financial
Judy Bartlett
Vice President and Associate
General Counsel
New York Life Insurance Company
Anthony Capretti
Associate
New York Life Insurance Company
Barbara McInerney
Chief Compliance Officer and Senior VP
New York Life Insurance Company
Michael Cogswell
SVP, Product Manager - Retirement Solutions
Pacific Investment Management Company
(PIMCO)
Michelle O’Haren
Retirement Resource Consultant
Pacific Life Insurance Company
Barbara Smith
Vice President, Insured Solutions, Financial
Solutions
Pershing LLC
Mark Livesay
Vice President, Annuities Compliance
Prudential Annuities
Andrene Smith
Director, Policy Development, External Affairs
Prudential Financial
Angie Welch
Director, Compliance
Prudential Financial
Bill Lowe
President, Sammons Retirement Solutions
Sammons Financial Group
Joshua Cook
Annuities Vice President Counsel
Signator Financial Services (formerly Symetra)
Richard Vynalek
Compliance Director
Symetra Financial
Margaret Byrne
Sr. Dir., Associate General Counsel
TIAA-CREF
Julie Calderon Rizzo
Associate General Counsel
TIAA-CREF
Peter Kennedy
Chief Operating Officer
TIAA-CREF
Molly Possehl
Asst. General Counsel
Transamerica / AEGON
Sarah Koth
Advanced Sales Specialist
Voya Financial
Allison Chin-Leong
Director, Retail Retirement Communications
Wells Fargo Company
John Papadopulos
President, Wells Fargo Retirement
Wells Fargo Company
Ronald Long
Director of Regulatory Affairs Elder Client
Initiatives
Wells Fargo Advisors
Judith Kozlowski
Senior Advisor for Elder Justice
Department of Health Human Services
myIRIonline.org 21
22. Attendees List
Angela Gutchess
Associate Professor of Psychology
Brandeis University
Rosa Maymi
Senior Advisor, Financial Security
AARP
Gregory Samanez-Larkin
Assistant Professor of Psychology
Yale University
Lourdes Gonzalez
Assistant Chief Counsel - Sales Practices
U.S. Securities and Exchange Commission
Thomas Mierswa
Executive Director, Branch Advisory Legal
Morgan Stanley Wealth Management
Nora Eisenhower
Assistant Director, Office of Older Americans
Consumer Financial Protection Bureau
Gregory Crawford
Deputy Editor
Investment News
Richard Eisenberg
Assistant Managing Editor
PBS
Ashlea Ebeling
Associate Editor
Forbes Media LLC
John Kohler
Senior Vice President of Advanced Markets
Transamerica Capital
Wendy Johnson
Assistant Vice President, Conflict Resolution
U.S. Bancorp Investments
22 IRI Older Investors Summit 2015
