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XIVth International CIFA Forum

THOMAS ABEL is a tutor in financial and estate planning since 2002, especially for Frankfurt School of Finance and Management. He is self-employed Asset Manager and Financial Planner since 2004, Asset Management and Financial Planning for private and business clients, HONORIS Treuhand GmbH ( From 2000 through 2004, he was a financial a financial Planner for Deutsche Bank AG, Private Wealth Management. His teaching focuses are Basic Principles of Financial and Estate Planning, Real Estate and Credit Management, Closed Funds-Investments.

H.E. MR. NASSIR ABDULAZIZ AL-NASSER assumed the leadership of the UN Alliance of Civilizations in March 2013. As a veteran diplomat and the President of the 66th Session of the United Nations General Assembly, he has devoted his time and work to peace-building and promoting the culture of peace, tolerance and reconciliation. Mr. Al-Nasser, who is now ranked as a Minister at the Ministry of Foreign Affairs in Qatar, has served as his country`s Permanent Representative to the United Nations, from 1998 to 2011. The highlight of his career was when he was elected as the President of the Sixty-Sixth session of the United Nations General Assembly from September 2011 to 2012. Prior to that, in December 2006, he was President of the UN Security Council, representing the State of Qatar in the Council during the two-year period when Qatar was a non-permanent member. Under his tenure, the Council took action on several issues, including international cooperation to combat terrorism and the protection of journalists in armed conflict. Mr. Al-Nasser, played several leading roles within the UN system including President of the High-level Committee on South-South Cooperation. As chair of the Group of 77 and China, he guided action that led to the establishment of the South Fund for Development and Humanitarian Affairs, a financing mechanism that helps countries of the South address issues such as poverty, hunger and natural disasters.

PER ANDELIUS is a former internal lawyer with insurers Folksam and Skandia, heading the unit «Business Insurance» in the latter. After starting his consultancy 10 years ago, Per Andelius worked for some of the Swedish listed companies, law firms, intermediaries, as well as for Swedish and non-domestic life insurers as consultant within the insurance and pension field (in Sweden, 90% of the pension market is insured). He has been the chairman of several pension foundations and, today, he holds office as chairman of a small credit institution. Per Andelius has been lecturing mainly to the sales force and agents of a number of insurers, intermediaries, education companies, and arranging as well as participating in seminars on pensions.

JOHN BEANEY has spent his working life in the life insurance industry with key interests in legal, tax and estate planning issues. He worked for Skandia for 17 years until his retirement in October 2011. Since 1996, his activities have mainly been concerned with cross border insurance both within Europe and internationally. John helped establish branches of Skandia`s UK Company in Finland, Norway and Germany and was also active in establishing the cross border activities of Skandia Life Ireland in a number of European countries and, latterly, a branch of Royal Skandia in Singapore. John chaired AILO`s European committee from launch in 2006 until it merged with the Legal & Regulatory committee, which he also chaired, until he was elected Deputy Chairman of AILO in 2009. Following his retirement he has continued to be involved with AILO as Legal & Regulatory Executive. He is a Fellow of the Chartered Insurance Institute and has a degree in law from London University.

ROBERT G.J. VAN BEEK CFP is a Financial Life Planner and Business Consultant with a working experience of more than 20 years in the financial industry. In 2010, he started his own company, About Life & Finance, after working as business consultant, wealth planner, account manager and asset manager for different large and small financial companies. Since 2013, he is partner at De Weygerbergen, office for performance and risk measurement, and wealth management. He wrote 5 books and a variety of articles about financial planning, wealth management, investments, risk & return and financial literacy, including translation of Behavior Gap© by Carl Richards. Robert is member of the board of FPSB Nederland and FPA Belgium.

MATHIEU BÉDARD holds a PhD in Economics from Aix-Marseille University, and a master`s degree in economic analysis of institutions from Paul CÉzanne University. From 2013 to 2015, he was a Lecturer at the Toulouse School of Economics. His dissertation is entitled «Economic Analysis of Bank Failures: An Essay on the Informational Properties of Bank Runs.» His scholarly articles have been published in the Journal of Business Ethics, the International Journal of Business, and the Journal des Économistes et des Études humaines.

LOUISE BENNETTS is a regulatory lawyer and writer. Previously, she was associate director of financial regulatory studies at the Cato Institute and senior associate in the New York office of Davis Polk and Wardwell. Her commentary has appeared in publications in the U.S. and Europe and she is a frequent speaker on bank reform issues and has testified before the United States Congress on a number of topics relating to bank regulation and competition. She is the author of «The New Autarky: How U.S. and UK Domestic and Foreign Banking Proposals Threaten Global Growth.» Currently she leads resolution and recovery initiatives for the European subsidiaries of the United States` largest financial institutions.

PIERRE BESSARD is the executive director and a member of the board of trustees of the Liberal Institute, Switzerland`s independent free-market think tank founded in 1979 and headquartered in Geneva and Zurich, which he joined in 2007. Mr. Bessard serves on the scientific committee of the Cercle de philosophie politique Benjamin Constant and the Center for Tax Competition. He is also a board member of several major Swiss organizations promoting a free society, and an editor-at-large at L`AGEFI, the Lake Geneva region`s financial newspaper, where he has written on the political economy since 2002. After attending schools in Lausanne, London, and Berlin, Mr. Bessard studied economics and finance in New York and Shanghai. He is the editor and author of several books on Swiss liberalism and current affairs. Pierre Bessard is a member of the Mont Pelerin Society.

WILLIAM K. BLACK* teaches Economics and Law at the University of Missouri - Kansas City (UMKC). He is a white-collar criminologist. He directed the Institute for Fraud Prevention. His regulatory career is profiled in Professor Riccucci`s book Unsung Heroes. George Akerlof called his book, The Best Way to Rob a Bank is to Own One (University of Texas Press 2005, 2014), «a classic.» Paul Volcker wrote: One of those lessons really sticks out: one brave man with a conscience could stand up for us all. Black helped the World Bank develop anti-corruption initiatives and testified to Congress five times about the financial crisis. He is also the «Distinguished Scholar for Financial Regulation» at the University of Minnesota`s Law School and a Professor at IAEN in Quito, Ecuador.

HACHEM FARÈS BOULOS, lawyer at the Beirut Bar, is a member of the Boulos Law Office (BLO), a trilingual law firm that he founded in 1980 in Beirut. BLO has became one of the most well-respected law offices in Lebanon providing quality legal services in wide range of practice areas for both local and international clients while observing the highest standards of integrity and ethics at all times. Prior to establishing his own law office, Mr. Boulos earned broad knowledge and experience during several years of practice in Europe, mainly Paris-Brussels, and in Beirut as well. Being a carrier of a Lebanese-Belgian dual nationality and a lawyer at Beirut Bar Association, Mr. Boulos is also an exclusive member at GEIE Eurolaw, the Association of European network of business lawyers, and at Euroshareholders, the organization of European shareholders associations in Brussels. Close-working client relationships with an emphasis on results have been BLO`s hallmark since its founding, and remain at the core of its services today. In September 2012, Mr. Hachem Boulos has been elected Chairman for the Advocacy Committee of the World Federation of Investors (WFI).

MARC R. BRADFORD is the Chair of the firm`s Appellate Practice Group. He has argued cases before the Minnesota Supreme Court, the Minnesota Court of Appeals, the United States Court of Appeals for the Eighth Circuit, and the Iowa Court of Appeals. Mark is recognized as a Minnesota Super Lawyer and was selected as an «Up and Coming» Attorney by Minnesota Lawyer in 2009. He serves on the Minnesota Supreme Court Advisory Committee on the Rules of Civil Appellate Procedure. Moreover, he serves as co-chair of the Minnesota Defense Lawyers Association Insurance Law Committee, as a member of the Minnesota State Bar Association Appellate Council and the Fourth District Ethics Committee, and is a Barrister with the Douglas K. Amdahl Inn of Court. In addition, Mark is a member of the American Bar Association, Hennepin County Bar Association, and Defense Research Institute, and teaches Appellate Advocacy at the St. Thomas University School of Law. Mark received his law degree from the DePaul University College of Law, where he graduated in the top one percent of the class and received CALI awards for the highest examination grades in antitrust, legal writing, criminal law, and property. During law school, Mark served on the Executive Board of the DePaul Law Review and also completed an externship with the Honorable William Bauer, United States Court of Appeals for the Seventh Circuit. Mark is a member of the Bassford Remele Management Committee.

EMANUELE MARIA CARLUCCIO is the new Chairman of EFPA-SQC, after being appointed by EFPA Board of Directors to lead its Standards and Qualifications Committee (SQC). Mr. Carluccio, since the establishment of EFPA in Italy, has actively participated in its development, being part for several years of the local SQC and, overall, being member of the EAC and SQC Europe without interruption since the beginning. Mr. Carluccio has dealt within the financial services` sector since 2002 in Milano, Roma and Bergamo. Moreover, Mr. Carluccio was dean of the University of Valle d`Aosta (2001-2004).

PROF. DR. MARC CHESNEY is a Professor of Finance at the University of Zurich. Previously in Paris, he was Professor and Associate Dean at HEC, President of the CEBC (Centre d`Etudes sur le Blanchiment et la Corruption) and an external expert with the World Bank. He has published articles and books in the areas of quantitative finance and also about financial crime mechanisms. In addition, he focuses on the subject of Ethics and Finance. At the University of Zurich, he is member of the Board of the Graduate Programme for interdisciplinary Research in Ethics and co-organiser of the Ethical Finance Research Series. He is also member of the advisory Board of Finance & Common Good/Bien Commun. Marc Chesney holds a PhD in Finance from the University of Geneva and obtained his «Habilitation» from the Sorbonne University.

HENRY COBBE is Managing Director and Head of Research at BirthStar®. Henry graduated with a first class MA (Hons) degree from the University of Edinburgh and since 1999 worked at leading investment managers including Schroders plc, Thames River Capital LLP and as a partner at Nevsky Capital LLP. Henry launched The BirthStar® Project in 2012 to help asset managers and intermediaries develop streamlined customer solutions that make investing easier and more affordable while focusing on customer outcomes. Henry is an IMC holder since 2000 and a CFA charterholder since 2004.

SIMON COLBOC has over 20 years experience in Financial Services. He has worked in Management Consulting for Banking and Insurance clients across Europe. He has been Strategy Director for Prudential Europe, and Country Manager France for the Group. Recently, he has led for 5 years the development of the Independent Financial Distribution channel for BNP Paribas. He has also been a lecturer at UniversitÉ Paris Dauphine for the past 10 years.

RICHARD CROTTY is a serial entrepreneur with over 30 years experience in strategic business growth and transition. His business interests span through various sectors including Scientific Research, Training & Consultancy, Technology Industry and Financial Services. Richard`s business activities have covered numerous markets including Europe, Japan, Scandinavia and the USA. He has studied financial planning, business management, behavioural science and psychology. Richard is a member of Mensa and the originator of the KITA Principle. He is a certified life & business coach and author of the handbook: «Money Matters for Life``. He founded the training firm Hawkeye eLearning and also founded the management consultancy firm Crotty & Company, which offer business advice and fiduciary financial planning. Richard has designed many business training programs, and addressed audiences throughout Europe.

VINCENT DERUDDER** is a lawyer by training with a considerable experience in financial services. He is the Honorary Chairman and the Chair of the Consultative Committee of «FÉdÉration EuropÉenne des Conseils et IntermÉdiaires Financiers» (FECIF - - pan European trade body of the European financial services/insurance intermediaries - 230,000 members). Having been one of the founders back in 1999, he has been leading FECIF for 15 years as Secretary General first, then as Chairman of the Board. Vincent is a member of the European Commission Expert Group on automatic exchange of financial account information. He is also the Chairman of the Nucleus Group of companies, a privately owned Luxembourg-based insurance holdings group.

KRZYSZTOF DRESLER served over a decade in the banking sector: he was Vice President of Management Board in PKO BP in charge of Risk and Collection and temporarily also investment banking. He chaired the Asset and Liabilities Committee and the Central Credit Committee in PKO BP. In 2010-2012, Krzysztof chaired the Supervisory Board of PZU SA. In 2012, he was recognized with «Order of Merit in Banking for the Republic of Poland» awarded by the President of the National Bank of Poland. In previous years, Krzysztof supervised the areas of strategy, planning, controlling, HR policy, compensation policy, cost policy and tax issues - as CFO/Reporting Officer in Xelion Doradcy Finansowi (Unicredit Group). In 1998-2006, Krzysztof held a university post at Warsaw School of Economics (SGH) as an expert on monetary and currency policy and financial market globalization. Krzysztof is a member of Global Association of Risk Professionals, Professional Risk Management International Association, the Board of Capital Market Leaders Academy and the Board of EFPA Poland, Foundation for Financial Advisory Standards. Krzysztof is fluent in English and German, and knows Russian. He graduated with Master`s in finance and banking from Warsaw School of Economics (SGH). Krzysztof completed Collegium Civitas post-graduate studies in philosophy, Management for Business Leadership program in University of New Brunswick, and many others.

GILLES DUTEIL is the head of the Centre for studies of Financial Technics and Engineering (CETFI - Aix-Marseille UniversitÉ). Professor of Banking and Finance at the Aix-Marseille UniversitÉ, he created and supervises the Masters «Wealth Management & Financial Planning» and «Fight against Financial and Organized Crime». Moreover, he is a financial forensic expert at the Court of Appeal of Aix-en-Provence and the Director of the European Group for Research on Financial Crime and Organized Crime. Gilles Duteil is the author of numerous chapters in books and literature published both in the U.S. than in France.

DR. RICHARD M. EBELING is an American libertarian author, and was president of the Foundation for Economic Education (FEE) from 2003 to 2008. Dr. Ebeling is currently the BB&T Distinguished Professor of Ethics and Free Enterprise Leadership at The Citadel in Charleston, South Carolina. He has written and edited numerous books, including the three-volume Selected Writings of Ludwig von Mises (Liberty Fund). His most recent works are Political Economy, Public Policy, and Monetary Economics: Ludwig von Mises and the Austrian Tradition, (Routledge, 2010), and Austrian Economics and the Political Economy of Freedom (Edward Elgar, 2003). He is the co-author and co-editor of «In Defense of Capitalism».

VANIA FRANCESCHELLI is in charge of the Foreign Affairs at Anasf (the National Association representing tied agents in Italy). She is a member of the Executive Committee of Anasf and of Fecif Board. Vania received her law degree from the University of Modena and Reggio Emilia and she is both a European Financial Advisor and a European Financial Planner. In 2014, Vania was awarded the international prize Profilo Donna for her activity in Italy and abroad. Her main interests relate to European legislation (MiFID, IMD, KID - PRIIP, UCITS) and the role of women in the financial sector. Vania acted as a key speaker at several conferences and meeting, both in Italy and abroad.

SHERYL GARRETT, CFP®, AIF® is the founder of The Garrett Planning Network, Inc. Sheryl`s fresh approach as a financial advisor working with clients on an hourly, as-needed, fee-only basis has evolved into a U.S. wide network of like-minded financial advisors - the Garrett Planning Network. Sheryl is also a managing member of Garrett Investment Advisors, LLC, an SEC Registered financial planning and advisory firm, which shares the same philosophy. She has been honored to testify before Congress on financial literacy and Social Security reform, the U.S. Department of Labor (DOL) regarding their fiduciary rule making, and the Middle Class Prosperity Project Forum on conflicts of interest in financial services. As a vocal advocate for financial education and the fiduciary duty, Sheryl is often interviewed. Sheryl has been recognized five times by Investment Advisor magazine as «One of the Most Influential People in Financial Planning».

MARTA GELLOVA** is the Secretary General of the Association of Financial Intermediaries and Financial Advisors of Czech Republic (AFIZ) and a member of the Association Board of Directors. Marta Gellova is also a member of the Board of Directors of FECIF. She is chair of the Supervisory and Audit Committee of the Czechoslovak Foreign Institute. In 2010, she was a member of Advisory Board of Specialists for the Minister of Finance and Minister of Labor and Social Affairs of the Czech Republic and a member of a Pension Sub-committee of the government`s National Economic Council (NERV). Marta Gellova is the chairwoman of the Board EFPA CZ (European Financial Planning Association) and a Member of the Board of EFPA EUROPE representing Czech Republic. Since 2013, Marta has been working as an independent consultant for public and private companies, as well as institutions dealing with Financing, Insurance, European Funds and general Economic advice. She is also involved in international acquisitions of financial institutions.

MICHEL GIRARDIN is a Professor of Macro-Finance at the University of Geneva. He has more than 20 years experience as Chief Economist and Chief Investment Officer in the Swiss private banking sector. Michel holds a PhD and a B.A. in Economics from the University of Lausanne, as well as a Master of Science in Economics from the London School of Economics. He recently published «La Bourse et la vie», a book portraying - in pictures and prose - investment icons such as George Soros, Alan Greenspan and Warren Buffett. Michel is included in the list of the 300 most influential personalities of the Swiss economic scene by Bilan magazine.

MARKUS P. GRIMM, MBA Wharton and BSc University of Applied Sciences in Zurich, is Managing Partner of Hermes Partners International Ltd. He has spent his entire career managing special investment situations, covering performance, strategy, growth, forensic and systemic-distress cases for numerous industries as well as the financial sector, in about 50 countries. Specifically, he was actively engaged in Japanese and Asian financial crises and Chinese economic transformation cases. He started his career with Sandoz` (Novartis) consulting department, worked for UBS` Asian affiliates, then covered Accenture` multinational clients needs in the Greater China region. More recently, his practice has focused on special situations in private equity, emerging markets, commodities and European credit issues.

DARLENE HART is Founder & CEO of US Tax & Financial Services, (USTAXFS) a European based global tax professional services firm focusing on US tax compliance and consultancy, with offices in London, Zurich and Geneva. She has nearly 40 years of tax, accounting, financial and retirement planning experience, working with the Big 4 firms Touche Ross (now Deloitte), and Coopers & Lybrand (now PWC) before starting USTAXFS in London in 1986. Her expertise has drawn the attention of Fortune 500 companies and she is known and sought after for her dynamic presentations on tax and financial matters, including the growing global transparency of the tax industry, to other professionals, banks, investors, accountants and the general public. Today much of her efforts are devoted to helping private clients become compliant with their US taxes through various options including Voluntary Disclosure, and the surfacing of undeclared funds to the appropriate authorities. She also advises banks and financial institutions on the US government`s FATCA legislation, which directly affects their relationships with their US clients. Darlene is currently working with a number of trust companies advising on FATCA compliance and the preparation of US tax returns for foreign trusts, partnerships and corporations. Darlene holds a BS in Accounting and MS in Tax from the University of Houston. She is an Enrolled Agent and member of the Association of International Accountants.

LENORE ELLE HAWKINS is a founding partner at Meritas Advisors with 20 years of experience in finance, strategic planning, risk management and asset valuation. She is the firm`s chief investment strategist, with a focus on macroeconomic influences. Lenore appears frequently on national television in the U.S. and speaks regularly at international investing conferences. Lenore has previously worked with JP Morgan in Private Client Services. She began her career with Accenture where she led consulting teams advising clients such as the Capital Group and Charles Schwab. She holds a B.A. in Mathematics and Economics from Claremont McKenna College, an MBA from the Anderson School at UCLA and is a member of the Mont Pelerin Society.

GARRY HEATH was Director General of The IFA Association, 1989 - 1999, which enjoyed a membership of over 60% of UK IFA Practices. He has been awarded «Outstanding Contribution to the Financial Services Industry» for 8 times. Garry acts as a consultant with expertise in Financial Services distribution and has also published «The Heath Report» (in 3 sections) which looks at the consumer detriment created by banning commission in the UK market. Garry has recently addressed the national IFA conference in Toronto and more recently he was a speaker at the FECIF Conference in Brussels.

NATHALIE JANSON earned a ph.D in Economics at the University Paris I-La Sorbonne in collaboration with the ESSEC ph.D program. Since 2001, she is an Associate Professor of Economics at Neoma Business School where she teaches mostly Microeconomics, Money and Banking and Banking Organization and Regulation. She has lectured in many countries including France, the USA, Colombia, China and Italy. Her main research interests are on banking regulation (especially Basel regulation) and monetary policy design. Some of her research work has been published in peer-reviewed journals. She is present in the media and writes regularly for the press on issues related to the Greek crisis, central bank monetary policy decisions and regulation of the banking industry.

STEPHANIE JARRETT is a Partner of Baker & McKenzie in Geneva, Switzerland, and advises families with cross-border connections on legal and tax issues, including those relating to business realization; family and family business governance; succession planning (including trusts); charitable planning; tax regularizations; disputes and asset tracing. Stephanie advises and provides training to financial institutions, family offices and trustees on strategic, tax and legal issues. Stephanie is Vice-Chair of STEP`s Geneva Branch and is an Advisory Board member of SATC. Stephanie lectures on Swiss post-graduate university programmes. Stephanie writes on legal and tax topics and is editor of the firm`s Private Banking Newsletter.

H.E. MR. SVEN JURGENSON, Vice-Chair of the United Nations Economic and Social Council (ECOSOC), is Ambassador and the Permanent Representative of Estonia to the United Nations. Prior to his appointment, Mr. Jürgenson was his country`s ambassador to France and Monaco, from 2010, during which time he also served as Permanent Representative to the Organization for Economic Cooperation and Development (OECD). He served as Foreign Policy Adviser to the President from 2006 to 2010, and from 2003 to 2006, as Under-Secretary for Political Affairs at the Ministry of Foreign Affairs. From 2000 to 2003, Mr. Jürgenson was his country`s ambassador to the United States, Canada and Mexico, a position he assumed after a two-year tenure as Estonia`s Permanent Representative to the United Nations. He was Director-General of the Political Department of the Ministry from 1996 to 1998, during which time he also served as non-resident ambassador to Turkey. Between 1996 and 1998, Mr. Jürgenson was Director of the Division for Security Policy and International Organizations, Deputy Political Director of the Ministry and Minister-Counsellor, ChargÉ d`affaires, a.i., at the Embassy of Estonia in Vienna. From 1993 to 1995, he was Counsellor, ChargÉ d`affaires, a.i., to Austria, Czech Republic, Slovakia, Hungary and Slovenia. From 1991 to 1993, Mr. Jürgenson served as Counsellor, ChargÉ d`affaires, a.i., at his country`s Embassy in Helsinki and Counsellor at the Office for Estonian Culture there. A senior information processing specialist at the Estonian Institute between 1990 and 1991, he previously served as junior researcher and Chair of Information Processing at Tallinn Polytechnic Institute from 1987 to 1990. Mr. Jürgenson holds a master`s degree from Tallinn Polytechnic Institute in data processing and pursued further studies in that field at Ingenieurhochschule Dresden, in Germany. He conducted other post-graduate work in 1992 at the Institut International d`Administration Publique, in Paris.

LOUISE KANTROW was appointed at the International Chamber of Commerce as the permanent representative to the United Nations in March 2007. Her career has included posts within the United Nations and senior positions at nonprofit, governmental and intergovernmental organizations closely associated with UN activities. Most recently, Ms. Kantrow served as executive director of the International League for Human Rights, one of the oldest human rights organizations in the United States. Prior to that, she was executive vice president and chief operating officer with the UN Association of the USA (UNA-USA), where she supervised a major expansion of programs at the Business Council to the United Nations. Ms. Kantrow has also served as senior advisor to the United Nations Population Fund and as director of operations at the Population Council. She worked for fourteen years as economic affairs officer in the UN Department of Economic and Social Development, following service as a senior economist with the U.S. Agency for International Development and as a population affairs officer with the UN. Ms. Kantrow holds doctoral and master`s degrees in demography and economics from the University of Pennsylvania, and a bachelor`s degree in sociology from the University of Michigan.

PROF. STEPHANIE KELTON, Ph.D. is an Economic Advisor to the Bernie 2016 presidential campaign. She served as Chief Economist on the U.S. Senate Budget Committee (minority staff) and was Chair of the Economics Department at the University of Missouri-Kansas City. She was the Founder and Editor-in-Chief of the top-ranked blog New Economic Perspectives and a member of the TopWonks network of the nation`s best thinkers. Her book «The State, The Market and The Euro» (2001) predicted the debt crisis in the Eurozone, and her subsequent work correctly predicted that: (1) Quantitative Easing (QE) wouldn`t lead to high inflation; (2) government deficits wouldn`t cause a spike in U.S. interest rates; (3) the S&P downgrade wouldn`t cause investors to flee Treasuries; (4) the U.S. would not experience a European-style debt crisis. She is a regular commentator on national radio and broadcast television. Stephanie consults with policymakers, investment banks and portfolio managers across the globe. Her research expertise is in: Federal Reserve operations, fiscal policy, social security, health care, international finance and employment policy.

TON KENTGENS studied Economics at the University of Maastricht. He worked for ABP Investments as Manager European Equities. After ABP, he worked 12 years for Rabobank Group, both for the Bank as the Asset Manager Robeco. Mr. Kentgens worked 5 years in Poland. There, he set up a Robeco local sales office in Warsaw for Central & Eastern Europe. In 2010, he started, back in The Netherlands, as a Principal Consultant at Capgemini Consulting Financial Services, specializing in Wealth Management. In 2013, Ton joined Ortec Finance where he is responsible for Global Business Development for Ortec`s Wealth Management product OPAL.

MARTIN KLEIN is an experienced lawyer in the financial services sector since 1997 with the focus on distribution rights and corporation law. Since 2007, he is the Managing Director of VOTUM Verband Unabhängiger Finanzdienstleistungs-Unternehmen in Europa e.V., an Association of independent financial services companies in Europe, representing nearly 75.000 financial service providers. In February 2016, he was elected as Managing Director of the Executive Committee of VOTUM. Martin Klein also works as lecturer at a college of higher education (Schmalkalden University of Applied Sciences) and he is often solicited to speak at expert conferences in the financial services sector. He is member of the supervisory board of different financial service companies and member of the executive board of a foundation as well.

AFAF KONJA began her decade-long career in television and radio news at the American Broadcasting Corporation (ABC) local affiliate, KGTV/10 News in San Diego, California. Her interviews with world leaders have spanned throughout the global South and beyond to include the UN Secretary-General, UN General Assembly Presidents, along with in-studio and on location interviews with heads of State and Government. Working in the context of media strategy, international diplomacy and global development as the Spokesperson for the President of the United Nations General Assembly at its 68th Session, Afaf pulls from her vast hands-on experience, from within the UN at live coverage of the annual UN General Debates to special coverage at UN high-level conferences across the globe. Afaf also expresses her talents as a host, moderator, and announcer for global television shows, special events and high-level forums.

JENNIFER DE LAURENTIS retired at the end of 2015 from the United Nations after a distinguished 35-year career in a variety of capacities at New York Headquarters and at the United Nations Office at Geneva. Most recently, Ms. De Laurentis was the Chief of the Economic and Social Council (ECOSOC) Affairs Branch and Deputy Director of the General Assembly and ECOSOC Affairs Division, Department of General Assembly Affairs and Conference Management. She was the Secretary of the Economic and Social Council and the Secretary of the Second Committee (Economic and Financial Committee) of the General Assembly. The Branch she managed since October 2006 is responsible for providing conference management services to ECOSOC and several of the Council`s subsidiary bodies and to the Second Committee and Third Committee (Social, Humanitarian and Cultural Committee) of the Assembly, as well as to special high-level meetings and international conferences dealing with sustainable development matters. As an additional responsibility, she was appointed Departmental Focal Point for Women. A British national, Ms. De Laurentis was born in London, England, and was raised in Milan, Italy, and New York, USA. Educated in both Europe and the United States, she carried out her graduate studies at New York University and Long Island University. She holds, inter alia, a Master`s degree in Social Sciences with a specialization in international relations and a Bachelor`s degree in Biology. She is fluent in English, French, Italian and Spanish. Ms. De Laurentis is married.

ADOLFO ENRIQUE LINARES FRANCO is a partner of TAPIA, LINARES & ALFARO, a firm in practice since 1949, specializing in company and foundations formation and management. He studied law at the University of Panama and post graduate studies at University College London (UCL). He is also President of AEGIST ASSETS ADVISORS, an External Asset Management company, a Swiss and Panamanian venture, regulated by the Superintendent of the Securities Market of Panama (SSM). He is also a member of the Board of Director of ST GEORGES BANK and President of San Felipe Real Estate Company, specializing in the restoration and sale of historic buildings at Panama`s Casco Viejo. From July 1, 2001, to January 30, 2004, he acted as Vice Minister of Education and, from 2009-2012, as President of Panama`s Chamber of Commerce, Industries and Agriculture. Moreover, he is member of the Editorial Council of El Siglo and La Estrella de Panamá newspapers (1999-2010).

MICHAEL LODHI joined the International Financial Services industry in 1991 with Mondial Expatriate Services in the Benelux region. In 1999, he joined the Luxembourg-based, pan-European brokerage, European Business Network S.A. In 2003, he founded The Spectrum IFA Group, an expatriate-focused IFA firm. With 48 advisers working from 12 offices in 6 European countries, Spectrum is one of the largest English speaking, expatriate focused, cross border IFA firms of its kind. Michael was instrumental in the formation and is Vice Chairman of FEIFA (The Federation of European Independent Financial Advisers). He is also a board member of another financial services trade body, FECIF (La FÉdÉration EuropÉenne des Conseils et IntermÉdiaires Financiers).

FRANCOIS LORIOT is a team leader and UN senior Court practitioner, at the international level. Since 1972, he was involved in the design of accountability policies, control and transparency systems. He held top management, personnel and financial responsibilities of increasing complexity at the United Nations, involving MDG training, and in UN legal and justice matters. He has been liaising with governments, international organizations and external/internal agencies. Since 1992, he covered high level positions at the United Nations in the fields of administration of justice, accountability, ethics and first Executive Secretary of the United Nations Governance and Public Administration permanent Committee of Experts in 2002. His publications and achievements in international public administrative law, justice systems, governance and technical cooperation, enhanced by advanced degrees, have received worldwide recognition. He has obtained in 1971 a Doctorat d`État (Ph.D) in International Public Law, in 1968 a Master Degree (DES), Public Administrative Law, at the UniversitÉ de Paris and, in 1966, License in Law (LL.L.) & Bar Admission, UniversitÉ de MontrÉal.

ZOLTAN LUTTENBERGER** obtained his Master in Finance, PhD in Management and professional certifications in IT and Financial Planning. He joined the FS industry in 1989 and worked as a manager or executive for several multinational financial institutions. Since 2000, he has worked as independent financial, IT and management consultant in startups and cross-border projects across Europe. He was founding Chairman of the Hungarian Financial Planning Association and has been volunteering for international communities of FPA Financial Planning Association (US). He joined the Executive Committee of CIFA in November 2014.

HANIFA MEZOUI** has enjoyed a distinguished career with the United Nations for the past 28 years. In the last ten of those years, she has been Chief of the NGO Section of the Department of Economic and Social Affairs (DESA) where she established an impressive record of accomplishments. The Informal Regional NGO network (UN-NGO-IRENE) was developed under her guidance as a critical channel for communicating key themes and programs between the UN and the NGO community, including marginalized groups in developing countries. In Mars 2009, she has been designated as the Permanent Representative to the United Nations and ECOSOC of the «International Association of the Economic and Social Councils and Similar institutions» (AICESIS), IGO in Observer status with ECOSOC. Dr. Mezoui teaches at the French University Sciences Po, Paris, France, a course on «United Nations from theory to Practice». She is also an Associate Fellow at UNITAR, specializing on MDG Training and Teaching. Dr. Hanifa Mezoui holds a Doctorate in French Linguistics, an MA in French Literature, an MA in applied Linguistics and an MA in Business Administration from the University of Aix-en-Provence, France. In September 2011, she joined the Office of the President of the Sixty Six General Assembly as the Special Coordinator for the Third Committee and Civil Society and started a new assignment at the United Nations Alliance of Civilizations in February 2013 as a Senior Advisor on Humanitarian Affairs and Civil Society.

DAN MITCHELL* is a Senior Fellow at the Cato Institute in Washington, D.C., where he specializes in fiscal policy, particularly tax reform, international tax competition, and the economic burden of government spending. He also serves on the editorial board of the Cayman Financial Review. Dan`s work has been published in the Wall Street Journal, New York Times, Villanova Law Review, Public Choice, Emory Law Journal, Forbes, USA Today, Offshore Investment, Playboy, and Investor`s Business Daily. He has appeared on all the major TV networks, and has given speeches in almost 40 states and more than 30 countries. Dan earned a Ph.D. in economics from George Mason University.

ANDREA MOGNI has a long professional experience at the European Commission as senior advisor on international economic and financial matters, global economic governance, EU regulatory reform and EU external relations with emerging economies and BRICs. He graduated in Law and Social Sciences at Genoa University and in Economics in Rome University. From 1981 to 1985, he served as economist and programmer at the Italian Ministry of Foreign Affairs in Rome. He joined the European Commission in 1985 serving, first, in the EU Delegation to Ethiopia and then monitoring and supporting economic and financial transition of the Countries in Central and Eastern Europe. In 2000, he joined Department of the External Relations of the Commission where he was in charge of international economic and financial matters and EU programming instruments and financing facilities. In 2011, he joined the European External Action Service under Ms. Ashton and he acted as senior financial advisor to the Cabinet on international economic and financial matters, EU relations with the IFIs and the EIB, and global governance issues. Currently, he is an international independent consultant and member of a number of European think-tanks. He has also a long teaching experience in Universities and he has extensively written on all these economic and financial subjects.

YVES MONERRIS, Partner of Yramis PÉnal Avocats, in Paris, France, and Lawyer at the Paris Bar, holds a DEA / Master II, marked «Criminal Law and Criminal Policy in Europe», two certificates of competence, to which he added a thesis in Mutual Judicial Assistance. Since 1999, he is a professor at the Universities of Paris about criminal law and criminal science, including the media rights. First Officer of the National Gendarmerie, also in charge of a Group of entertainment entrepreneurs, he was sworn in 2002. Founding partner of the Criminal Lawyers Yramis office, active across France, he practices criminal litigations, both related to economic sanctions and to the media rights. He also advises clients in setting up their compliance programs.

JOHANNES MUSCHIK is the Chairman of AFPA, the Austrian Association of Financial and Insurance Professionals and managing partner of «Vermittlerakademie». His Vienna-based company specialises in education and training of insurance and securities brokers. Johannes Muschik`s experience includes 15 years working as an insurance and financial adviser, as well as several years as an educator with an insurance group. He has been a member of the Board of FECIF since 2005, the Brussels-based European umbrella organisation for independent financial advisers and intermediaries. It is in this role that he regularly participates in EU-level consultations on legislative initiatives such as MiFID, the Insurance Mediation Directive and the Packaged Retail and Insurance-based Investment Products Regulation. He was elected FECIF Deputy Chairman in 2011 and, finally, Chairman in 2015.

ROSHANI SHENAZZ NADIRSHAH was born and raised in Mumbai, India. She was a media and films professional for 23 years before she embraced her spiritual calling and began her journey towards what she calls her `life purpose`. She is a Wholestic Living Empowerist, a Transformational Leadership Mentor and a Spiritual Medium. She strives to make people `Spiritually Independent` by taking them through the journey of recognizing their inner potential and unveiling and embracing their own divinity, and that of others. Roshani is the founder of `Sparkling Angels Wholestic Living and Holistic Healing` and the `Meher Roshani Foundation` in Mumbai. And now, Author of Angels Speak - Your Daily Dose of Divine Love which is the first Indian book of Oracle Angel Messages, Affirmations and Channeled Illustrations of 15 Archangels and much more.

YVES NIDEGGER, born in Zurich in 1957, grew up in Geneva where he studied at the Business School, the Faculty of Arts (History) as well as Law School, where the virus of Law stoke him definitely, taking him to practice on both sides of the Bar as well as a Law maker. Yves Nidegger served from 1993 to 2005 as a judge at the Labor Court, Immigration Court and Bankruptcy surveillance authority. He joined the Geneva Bar in 1998, creating his own Law firm in 2001. He also served as a Professor of Accounting and Law at the AcadÉmie de Langues et de Commerce and IFAGE institute and was a visiting professor at the Faculty of Economics of the Tirana. In 2005, Yves Nidegger was elected to the Geneva State Parliament as a member of the Swiss People Party. He chaired the Legal Committee and served as a member of the Finance Committee. In 2007, he became also member of Federal Parliament of Switzerland, where he is serving his third term. Yves Nidegger chaired the Legal Affair Committee (2011-2013) of which he continues to be an active member, along with sitting as a member in the Judiciary committee and in the Foreign Affairs committee.

ROGER NIGHTINGALE*, a well-known commentator on the global economy, is a frequent guest on TV networks, such as Bloomberg, CNBC, Fox News and CNN. Additionally, he writes regularly for a number of newspapers, magazines and in-house periodicals. Educated at Keele University and University College London (primarily as a mathematician), he worked for the first twenty years of his career at Hoare Govett-starting as a research economist and ending as a member of the main board. In 1988, he set up an independent consultancy, serving investment clients around the world. A non-executive director of a number of financial companies, Roger is a specialist consultant to a wide variety of fund managers.

XAVIER OBERSON is a Professor of Swiss and International Tax Law at the University of Geneva and a partner of the Law firm Oberson Avocats, Geneva, Switzerland. He is also the Director of the LLM Tax Program at the University of Geneva and a member of the Swiss Federal Commission for harmonization of direct tax laws. He was a member of the group of expert appointed by the federal government in 2009 about international assistance in tax matters. He studied at the University of Geneva, where he also obtained a PhD, and at Harvard Law School (class of 1992, where he obtained a LLM and participated to the international tax program). Professor Oberson has published extensively in the field of Swiss and International tax law and, recently, was the general reporter at the IFA congress in Copenhagen in 2013 for the topic of general cooperation and exchange of information in tax matter.

JOE OLIVER is a Canadian politician and the former Minister of Finance. He was elected to the House of Commons in the 2011 federal election and represented the electoral district of Eglinton-Lawrence as a member of the Conservative Party until his defeat in the 2015 election. Oliver, born and raised in Montreal, Quebec, received a Bachelor of Arts degree in 1961 and a Bachelor of Civil Law degree in 1964 from McGill University. He received a MBA from the Harvard Business School in 1970. Following his studies he became an investment banker with Merrill Lynch and then Nesbitt Thomson. Moreover, he became executive director of the Ontario Securities Commission and was also named the CEO of the Investment Dealers Association of Canada.

HERVE ORDIONI was appointed on January 1st 2015 President of the Committee for the Promotion of Monaco as Financial Center, within the Monaco Association for Financial Activities (AMAF). He is Chief Executive Officer of Edmond de Rothschild (Monaco) and has been a member of the Executive Committee since joining the bank in 1996. HervÉ Ordioni was instrumental in the founding of Edmond de Rothschild Assurances et Conseils (Monaco) in 2005, a wealth engineering company, accredited Monaco trustee and life-insurance broker. In 2008, he played a key role in the establishment of Edmond de Rothschild Gestion (Monaco), a firm specialized in portfolio management and investment funds incorporated in Monaco. HervÉ Ordioni graduated from the University of Paris Dauphine with a master`s degree in wealth management.

NIGEL PARDOE is the Founder and Managing Director of Hermitage Private Office Ltd. London, UK, since 2012, a company involved in «Project Finance». Since 1992 and up 2012, Nigel Pardoe has been an independent financial adviser and the company director of September Services Ltd. Previously, he worked for Allied Dunbar, Responsible for team of 10 associates, Branch Operating System and Business Development for Appointed Representatives. Prior to that, he was involved in managing a team of tied-agents, insurance brokers, and has developed both investment and mortgage business from professional connections. Expert in applied economics and member of the British Institute of Management, throughout his career Nigel Pardoe has been involved into building Society Law and Practice, as well as Society Management.

NEIL PIERRE assumed the post of Chief, Policy Coordination Branch, Office for ECOSOC Support and Coordination, DESA in May 2010. His responsibilities in this position entailed coordinating the ECOSOC Annual Ministerial Review (AMR) and National Voluntary Presentation preparatory process, as well as providing substantive support to the ECOSOC Bureau and the Second Committee of the UN General Assembly. Prior to that, Mr. Pierre spearheaded ECLAC`s work in the Caribbean as Director of the ECLAC Sub-regional Office for the Caribbean. In his previous positions, Mr. Pierre served as Deputy Resident Representative, UNDP in Trinidad and Tobago between August 2000 and September 2004. In position, he oversaw the UNDP country programmes for several member states of CARICOM and coordinated the UNDP support programme in Grenada, in response to Hurricane Ivan. Mr. Pierre obtained a Bachelor of Arts degree from the University of Guyana, a Certificate in Diplomacy from the University of Oxford and a Master of Science Degree (Political Economy) from the London School of Economics (LSE).

ING. RASTISLAV PODHOREC MBA graduated from the Military College M.R. Stefánika, in the field of aero technical support - The airport management and the Open University Business School, United Kingdom. After high school education, he was professionally engaged in trade and financial markets. Currently, he works for the European Regional Office of the International Investment Bank in Bratislava. Ing. Rastislav Podhorec is one of the founders of AFISP (The Association of Financial Intermediaries and Financial Advisers of Slovakia) and has held the position of Chairman of the board since AFISP was founded in 2007. He is fluent in English and Russian.

SVEN PUTFARKEN, CFP has a long experience as an entrepreneur, having founded his first company at the age of 20. He has over 18 years experience in strategic business growth strategies, with particular focus on Financial Planning. He is Managing Director of several companies involved in Financial Services. Sven is an active board member at Financial Planning Standards Board Deutschland e.V., where he is also in charge of organizing Financial Planning Events. Moreover, Sven is a member of the working group lobbying on behalf of the FPSB Germany e.V. He is often invited to speak about inter-sectoral aspects of the financial planning industry.

PASCAL SALIN is a French economist, professor emeritus at the UniversitÉ Paris-Dauphine and a specialist in public finance and monetary economics. He is a former president of the Mont Pelerin Society (1994 to 1996). After undergraduate studies in law at the University of Bordeaux, Salin studied economics in Paris and graduated from the Instituts d`Études politiques. While graduating in sociology with a licence, he started a doctorate in economics and obtained his agrÉgation d`Économie. At the age of 22, he lectured in economics at the universities of Paris, Poitiers, and Nantes. In 1970, he became University Professor at the UniversitÉ Paris-Dauphine where he stayed until his retirement in 2009. At Dauphine, he co-founded the Jean-Baptiste Say research center in economics. Salin has been a consultant for the International Monetary Fund, the United Nations, the Food and Agriculture Organization, and the Harvard Institute for International Development. He is a frequent contributor to the French newspapers Le Figaro and Les Echos. He has published several articles in many other French media outlets, such as Le Monde. He also publishes in the Wall Street Journal Europe. Mathieu Laine and Jörg Guido Hülsmann co-edited a festschrift in honor of Salin in 2006. He was made Chevalier de la LÉgion d`honneur and Chevalier des Arts et des Lettres, as well as Officier des Palmes AcadÉmiques. He was awarded the Prix renaissance de l`Économie in 1986.

GILLES-GUY DE SALINS** is a Member of the Executive Committee of CIFA, a Member of the Consultative Committee of FECIF (Brussels) and the Vice President of ANCDGP and APA-Clermont (France). He started as a Civil servant in the late 70`s before being, in the 80`s, successively a personal banker in France with Barclays, then a Capital Markets` Manager in London, with New Japan Securities, Midland Montagu and Swiss Bank Corporation. He joined in Paris an advisory firm, La FinanciÈre du Galion, in the early 90`s, before founding his Family Office, SÉlection GGS Conseils, in 2004. He also teaches wealth management at Suptertiaire`s Bank Insurance Master`s degree in Paris. He holds a Master in Economics from FACO (Paris) and a post-graduate diploma in wealth management. He lives in Switzerland.

JIŘÍ ŠINDELÀŘ, PH.D (35) graduated from the Czech University of Life Sciences, both with his master`s (economics and management) and Ph.D. (management) degrees. After working as a research fellow and business consultant, he joined the USF and over time became its executive director and chairman. During his tenure, he was a member of numerous expert bodies on financial services and financial distribution with the Czech Ministry of Finance, the Czech National Bank, the Czech Capital Market Association and the Czech Banking Association. He is also a management board member of the financial academy of Zlatá koruna, the most respected Czech competition for financial products; he was elected Academician of the Year in 2015. Apart from numerous contributions to Czech newspapers and business digests, he has also published papers in scholarly journals, in applied research fields concerning financial distribution, industry and macro-forecasting and market regulation impacts. Jíří has two children, lives in northern Bohemia and enjoys squash, travelling and occasionally video games.

PAUL STANFIELD has considerable experience in both the provision of independent advice and the promotion and distribution of investment funds and financial products, having worked in the Financial Services Industry for more than two decades, in both the UK and mainland Europe. He co-owned and was Managing Director of an independent advisory company for more than ten years. Presently based in London, Paul has been the CEO of FEIFA, the Federation of European IFAs, since having launched it in 2009. Since April 2014, he has also held the role of Secretary General at FECIF, the Federation of European Financial Advisers and Intermediaries. In addition, Paul is a Director of a UK Financial Services advisory group and also runs a specialist consultancy business.

IAIN STEWART-LINNHE is a leading UK regulatory and capital markets expert, academic and former Executive Director of a major European investment bank. Over the past two decades he has been involved with investment banking in London and Europe, after a decade of leadership experience in industry in Europe and the Middle East focusing on key multi-national change management projects including Big Four collaboration and major Saudisation project. A legal expert and US-qualified banker, his major focus is on US, UK, EU, GCC and Asian regulatory and sanctions efforts and wider extra-territorial issues, and in particular how regulatory initiatives impact other jurisdictions. Iain holds an LLM in International Finance and Banking Law (Distinction), graduating First in Class as LLM Student of the Year. He lectures on International Financial Services and Banking Law, AML and CTF for the University of Liverpool to LLM (Masters of Laws) graduates in his capacity as Honorary Lecturer at the Law Faculty. He speaks five European languages, and is interested in the role of microfinancing in alleviating global poverty. From a commercial and academic perspective, his major focus is on cross-border regulatory initiatives affecting capital markets and global commercial transactions, as well as global regulatory reform, extra-territoriality, sanctions, geo-financial risk, and their impact on financial services and industry in general.

LEONG SZE HIAN* an alumnus of Harvard University, was the Past President of the Society of Financial Service Professionals. He has authored 4 books, quoted over 1500 times in the media. He has been host of a money radio show, a daily newspaper column, Wharton Fellow, SEACeM Fellow, columnist for Malaysiakini, executive producer of the movie Ilo Ilo (26 international awards). He has served as Honorary Consul of Jamaica and founding advisor to the Financial Planning Associations of Brunei and Indonesia. He has 3 Masters, 2 Bachelors and 13 professional qualifications.

GEORGES UGEUX* former Executive Vice President at the NYSE, is Chairman and CEO of Galileo Global Advisors, a New-York based boutique advisory investment bank specialising in cross border advisory services, Mergers and Acquisitions and capital raising with a strong focus on emerging markets. A lawyer and economist by training, Georges Ugeux has focused his entire 40 year career on the global dimensions of business, government and finance. He has a deep understanding of the international dimension of negotiations, networks and partnerships. He teaches European Banking and Finance at Columbian Law School. He is a frequent public speaker and educator on global issues (at the College of Europe in Bruges and Harvard Law School). Georges holds a Doctorate in Law and is Licentiate in Economics from the Catholic University of Louvain. He chairs, and sits on, Boards of numerous transatlantic organizations.

KRISTJAN VERBIČ is the President of VZMD, a PanSlovenian Investors` & Shareholders` Association (2005 to present). VZMD is an institute that advocates the rights and interests of individual investors and minority shareholders in the Republic of Slovenia. VZMD has been included as a full-fledged member of related global associations, including the European Shareholders` Association (Euroshareholders), European Federation of Investors & Financial Services Users (Better Finance) and the World Federation of Investors (WFI). Since 2010, Kristjan Verbič is a member of the Board of EuroFinUse - Better Finance. In 2016, he joined the Consultative Working Group (CWG) of ESMA`s Corporate Finance Standing Committee (CFSC). Kristjan Verbič holds a Master of Science from the University of Ljubljana, Faculty of Arts, Ljubljana (Slovenia).

STEPHEN B. YOUNG** the author of Moral Capitalism, is the Global Executive Director of the Caux Round Table, an international network of business executives professionals who advocate a responsible and sustainable capitalism. Young was recognized as one of the 23 leaders who started the global CSR movement. Young edits and publishes Pegasus, a monthly newsletter of opinion and reporting on capitalism, finance and ethical government. He is a graduate of Harvard College and the Harvard Law School. Young served as an Assistant Dean of the Harvard Law School and was Dean and Professor of Law at the Hamline University School of Law teaching corporate finance and agency. In 1966, he discovered the Bronze Age culture of Ban Chiang in northeast Thailand, which is now a UNESCO World Heritage Site.


* CIFA Advisory Board Member

** CIFA Executive Committee Member