Final Program (Final)

Government, Legal &Government, Legal &Regulatory ConferenceRegulatory ConferenceJune 26-28, 2011• Omni Shoreham • Washington, DCJune 26-28, 2011• Omni Shoreham • Washington, DC

Government, Legal &Regulatory ConferenceJune 26-28, 2011• Omni Shoreham • Washington, DC20

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Insured Retirement Institutewww.myIRIonline.org

FINAL PROGRAM

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Welcome Letter

Dear Colleague:

Welcome to the Insured Retirement Institute’s (IRI) 2011 Government, Legal and Regulatory Conference. GLRC is the insured retirement industry’s premier conference for professionals whose concentration is state and federal regulatory affairs, legal matters and compliance issues.

We wish to thank our 2011 GLRC Planning Committee Chairs, Joseph Emanuel, Vice President and Chief Legal Officer-Annuities, Prudential Financial, and Kathy VanNoy-Pineda, Executive Vice President and Chief Compliance Officer, LPL Financial, and to the entire Planning Committee for their leadership and dedicated efforts in putting together a spectacular agenda for this two day program. This year we are presenting new content in the Conference through an Annuity Boot Camp, a Litigation Track and an ERISA Track, in addition to General Sessions and Panels featuring leaders from federal regulatory and legislative ranks as well as state insurance commissioners and state insurance regulators.

We hope you enjoy the next couple of days with us, and if you are in need of anything while you are here, please feel free to stop by the registration desk or our booth in the exhibit hall.

Sincerely,

Catherine WeatherfordPresident & CEOInsured Retirement Institute (IRI)

Table of Contents

General Information ........................................................ 2Hotel Floor Plan & Information.......................................... 3Planning Committee ........................................................ 4Conference Sponsors ........................................................ 5Schedule-At-A-Glance ...................................................... 6Detailed Agenda .............................................................. 7Annuity Products Boot Camp Agenda .................................12Litigation Track Agenda ...................................................13ERISA Track Agenda ........................................................15Exhibit Hall Floor Plan ....................................................17Exhibitor Descriptions .....................................................18Speaker Biographies .......................................................20Attendee List .................................................................35

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Accessibility for Attendees with Disabilities

IRI staff will work with attendees to provide reasonable accommodations for those with special needs. To request assistance onsite, please visit the IRI Registration Desk in the Blue Room Prefunction Lobby.

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 represent the 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 the 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.

Attendee Organized Events

Please note that IRI’s long-standing policy states that no attendee-organized events may be held during any scheduled conference event, including general and elective sessions, receptions and organized networking activities. With respect to events scheduled during non-conference hours, please notify IRI’s conference department of your event via email to [email protected]. Please note that your event may only take place at the conference hotel if you are a registered sponsor for the meeting. Thank you in advance for your continued compliance with this policy.

General Information

Badges

Badges should be worn at all official meeting functions to allow access to educational sessions, receptions and the Exhibit Hall. If you misplace your badge, please visit the Registration Desk for a replacement.

Cameras, Recording Devices and Cell Phones

Please refrain from using cameras, recorders and/or cell phones in the sessions or exhibits. Personal photography is allowed at social functions. Please note that an official IRI photographer will be taking photographs of attendees and speakers for us in future IRI publications and on the IRI web site.

Committee Meetings

Sunday, June 26, 4:30 pm – 5:30 pmState Affairs and Federal Regulatory AffairsHampton Ballroom

Conference Attire

The preferred dress for all sessions is business attire.

CLE/CFP

In order to receive CLE credits, attendees will need to sign into each breakout session. There will be a table outside each breakout room with a sign-up sheet. For details and information regarding available CLE and CFP credit hours, please see addendum to program or contact Nicole Nichols at [email protected].

Exhibit Hall Hours

(Blue Room Prefunction Area)

Sunday, June 26 ........................................ 5:30 pm – 7:00 pmMonday, June 27 ........................................ 7:45 am – 6:30 pmTuesday, June 28 ....................................... 8:00 am – 3:30 pm

Internet and Wireless

Internet is not provided in the meeting rooms, and the charge for internet in guest rooms is $9.95 per day. However, guests receive complimentary internet when they sign up to become Omni Select Guest Members. Please use this link: https://ssl.omnihotels.com/sg?pagedst=SG5&lang_code=en-us

If you have any questions, please contact the IRI Conference staff

at (202) 577-5594 or by email at [email protected].

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Lost and Found

Lost and Found will be located at the IRI Registration Desk in the Blue Room Prefunction area. At the conclusion of the conference, items not claimed will be turned over to the Lost and Found at the Omni Shoreham hotel.

Meal Functions

Breakfasts, breaks and receptions will be served in the Exhibit Hall, unless otherwise noted.

Presentations/Handouts

IRI Government, Legal and Regulatory Conference handouts and presentations will be available online after the meeting. If you have any questions, please email [email protected].

Hotel Floor Plan & Information

Omni Shoreham Hotel2500 Calvert Street, NW | Washington, D.C. 20008

Phone: (202) 234-0700 | Fax: (202) 265-7972

Press Room

Media attending will have access to a room near the General Session. Those interested in accessing the press room should contact Danielle Holland at (202) 577-5974.

Registration Hours:

(Blue Room Prefunction Lobby)

Sunday, June 26 ........................................ 3:00 pm – 7:00 pmMonday, June 27 ........................................ 8:00 am – 6:00 pmTuesday, June 28 ....................................... 8:00 am – 4:30 pm

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Compliance

John ApostleChief Compliance Officer & Senior Vice PresidentGenworth Financial

Deborah BuffingtonVice President, ComplianceMetLife

Tom HorackChief Compliance OfficerJohn Hancock

Wade A. WengerAVP – Division Compliance OfficerAEGON

Distributors

Patricia AustinSVP & Assistant General Counsel, Government AffairsWells Fargo

Stephanie BrownManaging Director, General CounselLPL Financial

Mark BuchinskyAssistant General CounselMerrill Lynch

Dan FitzpatrickExecutive DirectorMorgan Stanley

Sarah GillSVP, Associate CounselLPL Financial

Matt HoffmanCompliance CounselEdward Jones

Beth MaziadVice PresidentRaymond James

Planning Committee

In-House Counsel

Tom BartellVP & Assistant General Counsel, Deputy Director Government AffairsThe Hartford

John BrownVP, Government RelationsJackson National

Daniel BryantAVP & Senior CounselSun Life Financial

Paul G. CellupicaChief Counsel, U.S. Business LawMetLife

Peter FeeleySVP, Head of Business Law & ComplianceLincoln Financial

Ellen GlaessnerChief CounselING Individual Retirement

Charlene GrantAVP & CounselPacific Life

Bridget HaganAVP, Government RelationsNationwide Financial

Dodie KentVP & Associate General CounselAXA Equitable

Maureen PhillipsSVP, General CounselAllianz Life

Rodney VesselsVice President & Group CounselRiverSource

Law Firms/Consultants

Bruce DunneOf CounselDrinker Biddle & Reath LLP

Ruth EpsteinPartnerDechert LLP

Ann FurmanPartnerJorden Burt LLP

Mark GriffinPartnerDavis & Harman LLP

Christopher S. PetitoPartnerDewey & LeBoeuf LLP

Phil StanoPartnerSutherland

IRI Staff

Lee CovingtonSVP & General CounselInsured Retirement Institute

John LittleCOO & SVP of Federal AffairsInsured Retirement Institute

Karen AlvaradoVP of Regulatory Affairs & ComplianceInsured Retirement Institute

Conference Co-Chairs

Joseph EmanuelVice President & Chief Legal Officer - AnnuitiesPrudential Financial

Kathy VanNoy-PinedaEVP & Chief Compliance OfficerLPL Financial

GLRC 2011

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Conference Sponsors

IRI gratefully acknowledges our conference sponsors for their generous support of the 2011 Government, Legal and

Regulatory Conference.

CHAIRMAN’S LEVEL

DIRECTOR’S LEVEL

EXECUTIVE LEVEL

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SUNDAY, JUNE 261:00 pm – 4:00 pm Chief Compliance Officer Roundtable (By invitation only.) Hampton Ballroom

3:00 pm – 7:00 pm Registration Open Blue Room Prefunction Lobby

4:30 pm – 5:30 pm Joint Meeting of State Affairs and Federal Regulatory Affairs Committees Hampton Ballroom

5:30 pm – 6:00 pm First Time Attendee Reception Blue Room Prefunction

6:00 pm – 7:00 pm Welcome Reception Blue Room Prefunction

MONDAY, JUNE 277:45 am – 8:45 am Registration Open/Breakfast Blue Room Prefunction

8:45 am – 9:00 am Welcome Remarks Blue Room

9:00 am – 10:00 am General Session: State and Federal Insurance Regulatory Initiatives Blue Room

10:00 am – 11:00 am General Session: SEC Initiatives Blue Room

10:00 am – 5:00 pm Litigation Track (Closed to press. For agenda, see page 13.) Calvert Room

10:00 am – 1:30 pm Annuity Products Boot Camp (For agenda, see page 12.) Capitol Room

11:00 am – 11:15 am Break Blue Room Prefunction

11:15 am – 12:15 pm General Session: FINRA and State Examinations Update Blue Room

12:15 pm – 1:45 pm Lunch on Your Own

1:00 pm – 4:00 pm Chief Legal Officers Roundtable (By invitation only.) Hampton Ballroom

1:00 pm – 2:00 pm ERISA Track & Litigation Track: Recent Developments and Trends in Retirement Plan Litigation Calvert Room

1:45 pm – 2:45 pm Breakout Sessions

VA Summary Prospectus, New NAIC Annuity Disclosure and Illustrations Model and Use

of Fund Summary Prospectuses Governor’s Boardroom

Regulatory Perspectives on FINRA and State Suitability Regulations Blue Room

Interstate Compact Standards & Best Practices Embassy Room

2:45 pm – 3:00 pm Break Blue Room Prefunction


ERISA Track: New and Innovative Product Designs – Business Perspective Embassy Room

Surviving New Suitability and Training Requirements (Closed to press.) Governor’s Boardroom

Advertising Compliance at FINRA and in the States Capitol Room


4:30 pm – 5:30 pm General Session: Congressional Retirement Update (Off the record.) Blue Room

6:00 pm – 7:00 pm Reception Blue Room Prefunction

TUESDAY, JUNE 288:00 am – 9:00 am Registration Open/Breakfast Blue Room Prefunction

8:45 am – 9:45 am ERISA Track: ERISA/Tax Update, Including Department of Labor Fiduciary Rule Calvert Room

9:00 am – 10:00 am General Session: Richard Ketchum, Chairman & Chief Executive Officer, FINRA Blue Room

10:00 am – 11:00 am General Session & ERISA Track: The Administration’s Retirement Agenda Blue Room


11:30 am – 12:30 pm General Session & Litigation Track: FINRA and State Enforcement Update (Closed to press.) Blue Room

11:30 am – 12:30 pm ERISA Track: New Disclosure Requirements Calvert Room



Social Media — The Latest Word Capitol Room

State and Federal Examination Updates and Best Practices (Closed to press.) Governor’s Boardroom

ERISA Track: Innovative Products — Legal & Regulatory Issues Impacting Design Calvert Room


3:15 pm – 3:45 pm General Session: Eileen Rominger, Director, Investment Management Division, SEC Blue Room

3:45 pm – 4:00 pm Closing Remarks Blue Room

Schedule-At-A-Glance

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SUNDAY, JUNE 261:00 pm – 4:00 pm Chief Compliance Officer Roundtable (By invitation only.) Hampton Ballroom

3:00 pm – 7:00 pm Registration Open Blue Room Prefunction Lobby

4:30 pm – 5:30 pm Joint Meeting of State Affairs and Federal Regulatory Affairs Committees Hampton Ballroom

5:30 pm – 6:00 pm First Time Attendee Reception Blue Room Prefunction

6:00 pm – 7:00 pm Welcome Reception Blue Room Prefunction

MONDAY, JUNE 277:45 am – 7:00 pm Registration Open Blue Room Prefunction Lobby

7:45 am – 8:45 am Breakfast Blue Room Prefunction

8:45 am – 9:00 am Welcome Remarks Blue Room

Joseph Emanuel, VP & Chief Legal Officer - Annuities, Prudential Financial

Kathy VanNoy-Pineda, EVP & CCO, Brokerage Compliance, LPL Financial

9:00 am – 10:00 am General Session: State and Federal Insurance Regulatory Initiatives Blue Room

Roger Sevigny, Commissioner, New Hampshire Insurance Department

Ethan Sonnichsen, Director of Government Relations, NAIC

Join us for a discussion of the NAIC Priorities for 2011, including: adoption of the new Annuity Suitability Model; NAIC’s views on federal regulatory reform, including the new Federal Insurance Office; Interstate Compact’s progress on annuities; coordination of NAIC and federal regulators like the SEC and FINRA; stranger originated variable annuities; priorities for the Life Insurance & Annuities Committees; and the Market Conduct Committee’s work to enhance coordination and reduce duplication of market conduct examinations and to revise the Examiner’s Handbook to comport with the new Suitability Model. As a part of this discussion, the panel will discuss state annuity and regulatory issues that are high priorities for state insurance departments, including annuity disclosures, indexed annuities and suitability enforcement activities.

10:00 am – 11:00 am General Session: SEC Initiatives Blue Room

Moderator: Richard Choi, Partner, Jorden Burt LLP

William Kotapish, Assistant Director, Division of Investment Management, SEC

Susan Nash, Associate Director, Disclosure and Insurance Product Regulation, Division of Investment Management, SEC

Douglas Scheidt, Associate Director & Chief Counsel, Division of Investment Management, SEC

This panel of senior SEC staff will address current and future SEC regulatory initiatives affecting insurance products, mutual funds, investment advisers, and broker-dealers, including the insurance exclusion from the proposed definition of “swaps,” the prospects for money market fund and Rule 12b-1 reform, the SEC staff study on fiduciary duty for broker-dealers and the outlook on the implementation of a unified fiduciary duty standard, and other initiatives under consideration.

10:00 am – 5:00 pm Litigation Track (Closed to press. For agenda, please see page 13.) Calvert Room

10:00 am – 1:30 pm Annuities Products Boot Camp (Pre-registration required. For agenda, please see page 12.) Capitol Room


11:15 am – 12:15 pm General Session: SEC and FINRA Examinations Update Blue Room

Moderator: Gary Klein, Deputy General Counsel, LPL Financial

Carlo di Florio, Director of the Office of Compliance Inspections and Examinations (OCIE), SEC

Anne Marie Narcini, Chief of Market Regulation and Consumer Protection, New Jersey Department of Banking and Insurance

Mike Rufino, Chief Operating Officer, Member Regulation Sales Practice, FINRA

Hear Director di Florio provide an update on his work over the last year to reengineer his Division’s examination strategy, structure, training programs, processes and systems. He will discuss the changes that have been made in the Division and work still to be completed. Mr. Rufino and Ms. Narcini will discuss priority examination areas and other items of highest concern for FINRA and the states. Both will talk specifically about the sales of annuities and other topics of interest to member companies and firms.


Detailed Agenda

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1:00 pm – 4:00 pm Chief Legal Officers Roundtable (By invitation only.) Hampton Ballroom

1:00 pm – 2:00 pm ERISA Track: Recent Developments and Trends in Retirement Plan Litigation Calvert Room

(For session description, please see page 15.)


VA Summary Prospectus, New NAIC Annuity Disclosure and Illustrations Model and Useof Fund Summary Prospectuses Governor’s Boardroom

Moderator: Christopher Sprague, Vice President & Corporate Counsel, Prudential Financial

Ruth Epstein, Partner, Dechert LLP

William J. Evers, Vice President and Counsel, AXA Equitable

Kenneth Morris, President, Lightbulb Press

IRI has submitted a proposal to the SEC for a Variable Annuity Summary Prospectus and elimination of the annual update. Chairman Mary Shapiro and Former SEC Director Buddy Donohue recognized IRI’s work on this initiative, and Chairman Shapiro has voiced her support for the variable annuity summary prospectus. Learn about the status of this initiative, challenges to creating summary language for the more complex benefit features such as guaranteed living benefits, and next steps with the SEC. Also, learn about the new NAIC Disclosure and Illustrations Model regulation and implementation considerations and challenges that must be addressed. Finally, learn how variable products issuers are using the summary prospectus for underlying funds, and hear about “lessons learned” from the fund summary prospectus experience that we can use for the VA summary prospectus.

Regulatory Perspectives on FINRA and State Suitability Regulations Blue Room

Moderator: Karen Alvarado, Vice President, Regulatory Affairs and Compliance, IRI

Lawrence Kosciulek, Director of Investment Companies Regulation, FINRA

James Mumford, First Deputy Insurance Commissioner and Securities Administrator, Iowa Division of Insurance

Suitability regulations at both the federal and state levels continue to be one of the most important compliance obligations facing our industry today. With adoption of the NAIC Suitability Model sweeping through the states and FINRA’s always vigilant eye on ensuring appropriate annuity sales, come hear from leading regulators as they discuss the similarities and differences between the two requirements and recommendations for company implementation. This panel will also discuss suitability best practices and areas of focus for regulators, as well as the work at the NAIC to revise the Market Conduct Examiners Handbook to conform to the Model. If you have questions, this is your chance to get direct feedback.

Interstate Compact Standards & Best Practices Embassy Room

Linda Elston, Senior Contract Analyst, RiverSource Annuity Service and Contract Administration

Karen Givens, Product Review Consultant, Interstate Insurance Product Compact Commission

John C. Penney, General Director, U.S. Fixed Products – Compliance, John Hancock Financial Services, Inc.

Product speed-to-market has always been and will always be a high priority for member companies. With the new annuity product standards now in place, the Interstate Compact is an effective method of achieving approval quickly and efficiently. If you are not presently using the Compact, come learn how you can save your company time and money utilizing this process. If you are a present user, the panelists will provide updates and future plans as the Compact expands and new standards are developed. Compact officials will share filing expectations and review major problems they observe with filings that result in delays or rejections.

2:45 pm – 3:00 pm Break Room: Blue Room Prefunction


ERISA Track: New and Innovative Product Designs — Business Perspective Embassy Room


Detailed Agenda (Continued)

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3:00 pm – 4:00 pm Breakout Sessions (Continued)

Surviving New Suitability and Training Requirements (Closed to press.) Governor’s Boardroom

Moderator: Beth Maziad, Vice President, Raymond James Insurance Group

Angela Pace, Chief Regulatory Officer, RegEd

Wade Wenger, Assistant Vice President – Division Compliance Officer, Transamerica Life Insurance Company

FINRA 2330 has been effective since early 2010, and states are rapidly adopting the new NAIC Suitability in Annuity Transactions Model Regulation. The NAIC Market Conduct Committee is revising the Market Conduct Handbook to comport with the new Model. These new rules present a host of compliance challenges on how best to incorporate these new requirements into your compliance program. Hear from representatives of both insurance companies and distributors on effective implementation strategies and potential problem areas.

Advertising Compliance at FINRA and in the States Capitol Room

Moderator: Ann B. Furman, Partner, Jorden Burt LLP

Pramit Das, Assistant Director, Advertising Regulation, FINRA

Thomas A. Pappas, Vice President & Director, Advertising Regulation, FINRA

“Everyone else is doing it.” Have you ever heard that from your sales and marketing team? We’ve asked the advertising experts at FINRA to provide you with a summary of existing requirements and to address your questions. This is a great opportunity to ask about some of those requests and to gain some key insights about how FINRA reviews your material and how to structure material so you meet your marketing team’s needs and still remain compliant. FINRA officials will provide the top tips on how to get a clean FINRA letter.


4:30 pm – 5:30 pm General Session: Congressional Retirement Update (Off the record.) Blue Room

Moderator: John Little, Chief Operating Officer and SVP, Federal Affairs, IRI

Aharon Friedman, Tax Counsel, Ways & Means Committee

Michael P. Kreps, Pensions Counsel, Majority Staff, Senate Committee on Health, Education, Labor & Pensions

Tom Reeder, Senior Benefits Counsel, Democratic Tax Staff, Senate Finance Committee

Preston Rutledge, Tax and Benefits Counsel, Republican Tax Staff, Senate Finance Committee

This panel of Congressional staff will discuss the latest developments on Capitol Hill impacting the industry and the clients we serve, including tax reform and spending debate, implementation of Dodd-Frank by the Obama Administration, and other issues facing the insurance and investment industries for the remainder of this Congress. The Panel will also discuss the proposed Department of Labor rule on ERISA fiduciary duty.

6:00 pm – 7:00 pm Reception Blue Room Prefunction

TUESDAY, JUNE 288:00 am – 4:00 pm Registration Open Blue Room Prefunction Lobby

8:00 am – 9:00 am Breakfast Sponsored by Veris Consulting, Inc. Blue Room Prefunction

8:45 am – 9:45 am ERISA Track: ERISA/Tax Update, Including Department of Labor Fiduciary Rule Calvert Room


9:00 am – 10:00 am General Session: Richard Ketchum, Chairman & Chief Executive Officer, FINRA Blue Room

Introduced and Moderated by: Kathy VanNoy-Pineda, EVP & CCO, LPL Financial

FINRA is the largest independent regulator for all securities firms doing business in the United States. It oversees nearly 4,750 brokerage firms, 167,000 branch offices and 634,000 registered securities representatives. FINRA’s chief role is to protect America’s investors by making sure the securities industry operates fairly and honestly. FINRA’s Chairman and CEO will offer his insight about the provision of necessary oversight of broker-dealers and investment advisors in partnership with the SEC, implementation of a single fiduciary standard and other regulatory actions required by Dodd-Frank, FINRA’s role in that process, FINRA’s proposed rule requiring back-office personnel registration, and other issues impacting guaranteed lifetime income products and IRI member firms.

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10:00 am – 11:00 am General Session & ERISA Track: The Administration’s Retirement Agenda Blue Room

Moderator: Catherine J. Weatherford, President & CEO, IRI

Phyllis Borzi, Assistant Secretary of Labor, Employee Benefits Security Administration

Mark Iwry, Senior Advisor to the Secretary and Deputy Assistant Secretary for Retirement and Health Policy,

U.S. Department of the Treasury

The Departments of Labor and Treasury continue to look for ways to increase access to guaranteed lifetime income products. Senior Advisor and Deputy Assistant Secretary of Treasury Mark Iwry and Assistant Secretary of Labor Phyllis Borzi will discuss the Obama Administration’s plans to break down barriers to access to annuities and encourage Americans to utilize guaranteed income to supplement their current retirement savings. Assistant Secretary Borzi will also discuss proposed changes and improvements to laws and regulations that affect retirement savings, including the Department of Labor’s proposed rule on the definition of fiduciary under ERISA.


11:30 am – 12:30 pm General Session: FINRA and State Enforcement Update (Closed to press.) Blue Room

Moderator: Ralph Ferrara, Vice Chair, Dewey & LeBoeuf

J. Bradley Bennett, Executive Vice President, Chief of Enforcement, FINRA

This panel will address the hottest enforcement cases and priorities. They will discuss the leading compliance breakdowns that allowed the conduct to escape detection. They will provide lessons learned that will help legal and compliance staff institute measures to avoid these risks in member companies and firms. Mr. Bennett was named to his post in January, and he will share what he has learned at FINRA, his focus in the first few months on job and how things may change under his leadership.

11:30 am – 12:30 pm ERISA Track: New Disclosure Requirement Calvert Room

(For description, please see page 15.)



Social Media — The Latest Word Capitol Room

Joseph Price, Senior Vice President, Corporate Financing/Advertising Regulation, FINRA

Mitchell Bompey, Executive Director, Legal and Compliance, Morgan Stanley Smith Barney

To tweet or not to tweet... Everyone wants to capitalize on the phenomenal growth in the use of social media, whether through blogs, social networking sites like Facebook or other methods of communication. However, stringent requirements govern communications with the public and need to be thoroughly evaluated. This panel will discuss FINRA’s regulatory requirements around social media, as well as provide some intelligence on how other companies are developing their media policy. You will learn how to maximize these tools while making sure your company remains within the proper compliance boundaries.

State and Federal Examination Updates and Best Practices (Closed to press.) Governor’s Boardroom

Moderator: Brian L. Rubin, Partner, Sutherland, Asbill and Brennan LLP

Kristine Lord-Krahn, Senior Counsel, Corporate Legal Department, Allianz Life Insurance Company

Katherine Schulze, Vice President & Associate General Counsel, AEGON

This informative panel will provide you with the latest trends in examinations by state insurance departments, FINRA, and the SEC. Learn what topics seem to be coming up most frequently to better prepare your company for future examinations.

ERISA Track: Innovative Products — Legal & Regulatory Issues Impacting Design Calvert Room

(For description, please see page 16.)


Detailed Agenda (Continued)

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3:15 pm – 3:45 pm General Session: Eileen Rominger, Director, Investment Management Division, SEC Blue Room

Introduced and Moderated by: Joseph Emanuel, VP & Chief Legal Officer, Prudential Annuities

Just appointed in February of this year, Director Rominger will discuss her key priorities and initiatives, as well as the work of the Commission to implement Dodd-Frank. She will discuss the SEC’s study on a harmonized fiduciary standard of care, as well as the expected rulemaking related to this new standard of care, and she will address other SEC Dodd-Frank rulemakings, including rules governing executive compensation and derivatives. She will also provide an update on the status and considerations surrounding IRI’s proposed variable annuity summary prospectus.

3:45 pm – 4:00 pm Closing Remarks Blue Room

Future IRI Meetings

October 2-4, 2011

2011 Annual MeetingWestin Copley Pace

Boston, MA

February 5-7, 2012

2012 Marketing ConferenceHilton New York

New York, NY

June 24-26, 2012

Operations & Technology Conference and

Government, Legal and Regulatory ConferenceOmni Shoreham Hotel

Washington, DC

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Co-Leaders: Andrew A. Favret, Associate Vice President & Regional Chief Counsel, FINRA

Robert H. Watts, Consultant, Former CCO, John Hancock Financial Services, and FINRA Arbitrator

MONDAY, JUNE 27

10:00 am – 11:30 am Overview of Annuity and Other Variable Insurance Products Capitol Room

This session will provide an introduction to variable insurance contracts, features of variable annuities including: subaccounts, annuitization, death benefits and income benefits; and compare variable annuities and variable life insurance. This session will also take a look at the current regulatory environment.

11:30 am – 12:15 pm Sales Practices, Suitability and Supervision Capitol Room

With ever-changing regulations, this session will bring you up to date by providing information regarding the responsibilities of both registered representatives and firms; how to identify red flags; determining suitability of products, riders and subaccounts; and books and records requirements. In this session, you will also have the opportunity to discuss issues with defined contribution plans and equity index annuities. The session will also take a look at hot topics surrounding 1035 Exchange suitability including regulatory concerns, questions every representative should ask, comparison of fees, surrender charges and assessing suitability factors.

12:15 pm – 1:15 pm Implementation Considerations for Rule 2330 (Formerly 2821) (Working lunch.) Capitol Room

This session will cover the hot topics surrounding implementation of Rule 2330 (formerly 2821) including training programs, replacement/rollover tracking, documentation issues, supervisory system requirements, written supervisory practices, risk tolerance and red flags in subaccount allocations, and how and when to respond.

1:15 pm – 1:30 pm Q & A and Wrap-up Capitol Room

About the BGK Group

The BGK Group provides innovative financial training courses to help securities professionals stay up-to-date with changing financial products, rules and regulations. Courses are interactive, practical and are taught by financial industry experts, accomplished facilitators and regulators. As a result, participants stay fully engaged during the entire learning process, discuss the latest changes unfolding in the financial industries sector and can apply new concepts immediately upon return to the office.

Annuity Products Boot Camp Agenda Sponsored by:


MONDAY, JUNE 27

10:00 am – 11:00 am Effective Strategies for Pre-Litigation Complaint and Dispute Resolution (Closed to press.) Calvert Room

Moderators: James Jorden, Partner, Jorden Burt, LLP

Phillip Stano, Partner, Sutherland Asbill & Brennan LLP

Megan A. Claypool, Vice President Compliance and Senior Counsel, Aviva USA

Paul L. Gallagher, Vice President and Counsel, Litigation and Employment Law, John Hancock Financial Services, Inc.

This session will analyze the most effective strategies for resolving complaints (and unasserted claims) concerning traditional fixed, fixed indexed, and variable annuity and life insurance products. Panelists will discuss the key challenges faced when resolving complaints and potential disputes in the pre-litigation context, such as unclaimed policy benefits, “one off” settlements and complaint resolutions involving multiple policyowners, and will explore the issues involved when considering remediation efforts such as prospective changes to contract and other disclosure language and the increased presence of regulators in the resolution process.

11:00 am – 12:00 pm Supreme Court Round-Up (Closed to press.) Calvert Room



Kevin Finnegan, Associate General Counsel, Head of the Corporate and International Litigation Practice Group, MetLife

This session will analyze the key class action issues before the U.S. Supreme Court in the current term – the use of “no-class-action” arbitration clauses just approved in AT&T Mobility LLC v. Concepcion; the commonality and predominance issues presented by Wal-Mart Stores, Inc. v. Dukes; the issue of burden of proof in securities fraud cases presented by Erica P. John Fund, Inc. v. Halliburton Co.; and the issue of relitigating class certification denials in subsequent proceedings presented by Smith v. Bayer Corp. – and explore the expected impact of Supreme Court rulings in these cases on the insurance and financial services industry.


1:00 pm – 2:00 pm Recent Developments and Trends in Retirement Plan Litigation (Closed to press.) Calvert Room



Mark Smith, Partner, Sutherland Asbill & Brennan LLP

This session includes discussion of revenue sharing and excessive fee class actions brought against retirement plan annuity providers of 401(k), 403(b) and 457 plans, proprietary product litigation, and implications of DOL’s proposed new definition of “fiduciary” for future retirement plan litigation.

2:00 pm – 3:00 pm Litigating Annuity Class Actions (Closed to press.) Calvert Room



William Gottlieb, Assistant Vice President and Senior Counsel, John Hancock Financial Services

William R. Schulz, Vice President, Litigation, Jackson National Life

This session will explore the most noteworthy class certification issues presented by recent annuity litigation, including: recent class certification and merits decisions in annuity class actions; use of experts, including court-appointed Rule 706 experts, in annuity class actions; recent developments in Class Action Fairness Act jurisprudence; courts’ treatment of issues such as expert testimony and contractual ambiguities at the class certification stage; and ethical issues impacting class action litigation. Panelists will discuss best practices in handling all facets of a major annuity case before, during and after the class certification stage, and how those efforts affect the outcome.

Litigation Track Agenda

Sponsored by:

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3:00 pm – 3:30 pm Break Outside Calvert Room

3:30 pm – 4:30 pm Recent Developments and Trends in Significant Life Insurance and Annuity Litigation (Closed to press.) Calvert Room



Paul A. Howell, Jr., Deputy General Counsel, ING Americas Legal Services

Shaunda Patterson-Strachan, Partner, Jorden Burt, LLP

Steuart Thomsen, Partner, Sutherland Asbill & Brennan LLP

This session will address the various product features and substantive claims that have been the subject of recent life insurance and annuity class actions, such as suitability claims, “bonus annuity” claims, retained asset account claims, and cost of insurance and related mortality charge claims. Panelists will also explore and contrast the dissimilar regulatory and litigation landscapes that insurers face when confronted with stranger-originated life insurance versus stranger-originated annuity transactions, and will address best practices for avoiding such transactions in the first instance, and for addressing them when they arise.

4:30 pm – 5:30 pm Effective Class Action Settlement Strategies (Closed to press.) Calvert Room



Nick Christakos, Partner, Sutherland Asbill & Brennan LLP

Roland C. Gross, Partner, Jorden Burt, LLP

This session will analyze the most noteworthy recent class-wide settlements in actions involving life insurance, annuities, and other financial products, focusing on the significant issues and trends in recent financial services class action settlements and effective strategies for class-wide settlements involving annuity issuers and other financial services providers.

TUESDAY, JUNE 28

11:30 am – 12:30 pm FINRA and State Enforcement Update (Closed to press.) Blue Room

Moderator: Ralph Ferrara, Vice Chair, Dewey & LeBoeuf

J. Bradley Bennett, Executive Vice President, Chief of Enforcement, FINRA

These two leaders of the SEC and FINRA’s enforcement units will talk about the hottest enforcement cases and priorities. They will discuss the leading compliance breakdowns that allowed the conduct to escape detection. They will provide lessons learned that will help legal and compliance staff institute measures to avoid these risks in member companies and firms. Mr. Bennett was named to his post in January, and he will share what he has learned at FINRA, his focus in the first few months on job and how things may change under his leadership.

Litigation Track Agenda (Continued)

Note: This track is open only to all in-house and private attorneys who represent the annuities industry and broker dealers who distribute annuities. This session is NOT open to press.


MONDAY, JUNE 271:00 pm – 2:00 pm Recent Developments and Trends in Retirement Plan Litigation Calvert Room



This session will include discussion of revenue sharing and excessive fee class actions brought against retirement plan annuity providers of 401(k), 403(b) and 457 plans, proprietary product litigation, and implications of DOL’s proposed new definition of “fiduciary” for future retirement plan litigation.

3:00 pm – 4:00 pm New and Innovative Product Designs — Business Perspective Calvert Room

Moderator: Michael Cogswell, SVP, Product Manager – Retirement Solutions, PIMCO

Raymond A. O’Hara III, Vice President, Corporate Counsel, Prudential Financial

Noel Abkemeier, FSA, MAAA, Principal, Consulting Actuary, Milliman

Companies are continually seeking new and innovative product designs to remain competitive in the marketplace. This panel will focus on one of the newest developments, the “wrapper” concept for use in the 401(k) marketplace, as well as regulatory issues related to other popular product features and riders. There are a lot of questions about these designs, state and federal regulatory requirements relating to these products, and implementation of these products. These expert panelists will help you understand the array of new product designs and provide insights that will help your development and compliance teams as you evaluate this new market.

TUESDAY, JUNE 288:45 am – 9:45 am ERISA/Tax Update, Including Department of Labor Fiduciary Rule Calvert Room

Mark E. Griffin, Partner, Davis & Harman LLP

Mark Smith, Partner, Sutherland Asbill & Brennan LLP

This panel of industry experts will provide an update on a range of developments from the retirement and tax law perspectives bearing on the marketplace for annuities. Member representatives will discuss the latest laws and regulations related to partial annuitization and exchanges and the proposed Department of Labor ERISA fiduciary rule and its implications on IRAs and employer-sponsored retirement programs.

10:00 am – 11:00 am The Administration’s Retirement Agenda Blue Room

Moderator: Catherine J. Weatherford, President & CEO, IRI

Phyllis Borzi, Assistant Secretary of Labor, Employee Benefits Security Administration

Mark Iwry, Senior Advisor to the Secretary and Deputy Assistant Secretary for Retirement and Health Policy,

U.S. Department of the Treasury

The Departments of Labor and Treasury continue to look for ways to increase access to guaranteed lifetime income products. Senior Advisor and Deputy Assistant Secretary of Treasury Mark Iwry and Assistant Secretary of Labor Phyllis Borzi will discuss the Obama Administration’s plans to break down barriers to access to annuities and encourage Americans to utilize guaranteed income to supplement their current retirement savings. Assistant Secretary Borzi will also discuss proposed changes and improvements to laws and regulations that affect retirement savings, including the Department of Labor’s proposed rule on the definition of fiduciary under ERISA.

11:30 am – 12:30 pm New Disclosure Requirement Calvert Room

Bruce Ashton, Partner, Drinker Biddle & Reath LLP

C. Frederick Reish, Partner, Drinker Biddle & Reath LLP

Beginning in 2012 ERISA regulations will mandate disclosures to plan sponsors and participants. At the plan level, the new ERISA 408(b)(2) disclosure regulation impacts all “covered” service providers to retirement plans. While many covered providers, like insurance companies and investment advisers, know what’s required, others, like broker dealers, may know about the regulation but haven’t a clue what to do about it, and still others, like investment managers for defined benefit plan assets, hedge funds and the like, have never heard of the requirement. This program will briefly identify who is covered by the regulation and what they need to do to comply with it and then discuss in more depth some difficult and often overlooked compliance issues. At the participant level, the required disclosures are the obligation of the plan administrator. As a practical matter, clients are looking to their recordkeepers and other service providers to ensure that they comply. The panelists will also discuss issues being faced by providers in trying to figure out what needs to be done and how they are going to do it.

ERISA Track Agenda

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2:00 pm – 3:00 pm Innovative Products — Legal & Regulatory Issues Impacting Design Calvert Room

Joseph F. McKeever, III, Partner, Davis & Harman LLP

C. Frederick Reish, Partner, Drinker Biddle & Reath LLP

Stephen E. Roth, Partner, Sutherland Asbill & Brennan LLP

This panel will discuss, from a legal perspective, the recent innovations in the marketplace for delivering lifetime retirement income to 401(k) participants and retirees. The panel consists of attorneys with experience in these products and with expertise on the related ERISA, securities and insurance law issues. The products include insured withdrawal benefits, managed payout mutual funds and managed accounts that are intended to provide retirement income that lasts for the lifetimes of participants and retirees.

ERISA Track Agenda (Continued)

IRI Members Only Website

Visit www.myIRIonline.org each day for new client approved documents, the latest industry research, continuing education courses, federal and state regulatory updates, NAIC suitability training, an industry job bank and more! IRI’s Members Only Website is your one-stop resource for tools and industry information.


The BGK Group ................................................................................ Booth 4College for Financial Planning ............................................................ Booth 5Insured Retirement Institute ............................................................. Booth 1Interstate Insurance Product Regulation Commission ............................. Booth 6Keane ............................................................................................ Booth 7RegEd ............................................................................................ Booth 2SourceMedia .................................................................................... Booth 3

Exhibit Hall Floor Plan

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The BGK Group – Financial Industry Training Booth 4

116 West 23rd Street, 5th FloorNew York, NY 10011Contact: Joanne Kula, Co-FounderPhone: (212) 851-8414Email: [email protected]://www.thebgkgroup.com

The BGK Group provides innovative financial training courses to help securities professionals stay up-to-date with changing financial products, rules and regulations. Courses are interactive, practical and are taught by financial industry experts, accomplished facilitators and regulators. As a result, participants stay fully engaged during the entire learning process, discuss the latest changes unfolding in the financial industries sector and can apply new concepts immediately upon return to the office.

College for Financial Planning Booth 5

8000 E. Maplewood AvenueSuite 200Greenwood Village, CO 80111Contact: Pam Witaschek, MBA, Corporate Education ConsultantPhone: (303) 220-4855Email: [email protected]://www.cffpinfo.com

The College for Financial Planning (www.cffpinfo.com) is the leading institution focused on meeting the education needs of financial services professionals. Founded in 1972, the College created the prestigious Certified Financial Planner™ (CFP®) certification and has trained over 120,000 professionals. Flexible instructor-led/Web-delivered classes, self-study, online, and classroom formats are available to meet the needs of today’s busy professionals. Graduates of the College are consistently ranked as the best financial advisers in the nation. Designations awarded include AAMS®, AWMA®, CRPC®, CRPS®, CMFC®, RP®, and graduate degree programs. Customized training materials are available to corporate clients.

Exhibitor Descriptions

Interstate Insurance ProductRegulation Commission Booth 6

444 North Capitol Street NWHall of the States, Suite 701Washington, DC 20001Contact: Karen Schutter, Executive DirectorPhone: (202) 471-3962Email: [email protected]://www.insurancecompact.org/

The Interstate Insurance Product Regulation Commission (IIPRC) is an innovative vehicle formalizing the joint and cooperative action among compacting states, leveraging regulatory resources and expertise to establish uniform standards that strongly protect the interest of consumers and form the foundation of a central clearinghouse for prompt review of asset-based insurance products. Companies now have a way to prepare one filing submission under one set of standard product content requirements and subject to one centralized review and approval in 60 days or less allowing one standard product to be marketed in up to 38 Compacting States. The IIPRC is a truly unique speed-to-market tool allowing companies to streamline their market and delivery system for asset-based insurance products.

KEANE Booth 7

1001 Avenue of the Americas, 14th FloorNew York, NY 10018Contact: Iris Brown, Vice PresidentPhone: (866) 421-6800Email: [email protected]://www.KeaneUP.com

Keane is the number one provider of unclaimed property communications, compliance and consulting services in the country. From customized communications programs and audit risk analysis to in-depth consulting and annual compliance reporting, Keane provides the most recognized mutual funds, corporations, banks, insurance companies and brokerages with a depth and breadth of services that is unmatched. Each Keane service helps clients retain customers, reduce costs, mitigate risk or protect investors while successfully navigating the complexities of unclaimed property regulations. Keane is... Unclaimed property. Uncompromising performance.


RegEd Booth 2

2100 Gateway Centre BoulevardSuite 200Morrisville, NC 27560Contact: Damia Tabachow, SVP, MarketingPhone: (800) 334-8322Email: [email protected]://www.reged.com

RegEd is a leading provider of insurance and securities continuing education and compliance solutions to the financial services industry. Since 1994 RegEd has set the standard in the industry for quality, compliant content, rule-based automation and full-service outsourcing. RegEd solutions deliver unparalleled levels of operational efficiency and allow firms to cost-effectively comply with state and FINRA regulations. The Insured Retirement Institute (IRI) and RegEd have partnered to provide a one-stop solution for Annuity Suitability Training and Carrier Product Training.

SourceMedia Booth 3

One State Street Plaza, 25th FloorNew York, NY 10004Contact: Tim Whiting, GroupPublisher Financial Planningand On Wall StreetPhone: (212) 803-8579Email: [email protected]://www.sourcemedia.com

SourceMedia, Inc. is the leading business-to-business publisher serving the needs of financial professionals. Our Investment Advisory Group publishes multiple titles for financial advisors. For over 40 years, Financial Planning continues to be the leading publication serving independent advisors. On Wall Street is the leading publication serving national and regional wirehouse advisors and is celebrating our 20th Anniversary. Bank Investment Consultant is the leading publication serving retail bank brokerage advisors. Please visit us at www.financial-planning.com www.onwallstreet.com and www.bankinestmentconsultant.com

The New 2011 IRI Fact Book is Available at the IRI Membership Booth!

Stop by the IRI Booth #1 in the Exhibit Hall and check out the new, redesigned 2011 IRI Fact Book. This tenth anniversary edition of the IRI Fact Book freatures nearly 200 pages of the most reliable, comprehensive data and information on insured retirement strategies.

Highlights include: New statistics and authoritative analysis from renowned industry leaders; Editing and rewriting of every chapter from nearly two-dozen expert

contributors; Ten new topical areas, including the changing face of retirement, and

planning for rising healthcare costs; Five new research areas, with an entire chapter dedicated to consumer use

and attitudes towards annuities; Several completely new and proprietary chapters, including one on

practice management which addresses strategies to help manage assets in retirement; and

All the latest industry data and trends, among many other items.

A guide to information, trends and data

in the retirement income industry.

2011IRI Fact Book

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Noel Abkemeier, FSA, MAAAPrincipal, Consulting Actuary, Milliman

Noel is a principal with the Chicago office of Milliman and is located in Williamsburg, Va. He joined the firm in 1995. Noel specializes in the design and pricing of annuities and life insurance products. He has worked heavily in the design and pricing of equity-indexed annuities, life insurance products, derivative-based death benefits, and living benefits on variable annuities for many insurers. Noel has also been active in developing recommended state regulations for equity-indexed annuity and life insurance products through his participation on the Equity-Indexed Products Task Force of the American Academy of Actuaries. He currently is a member of the Life Products Committee of the American Academy of Actuaries, is past chairman of the Individual Life and Annuity Section of the Society of Actuaries, and is a former board member of the Society of Actuaries. Prior to joining Milliman, Noel participated in the establishment of Glenbrook Life and Annuity Company for its entry into the financial institution annuity and insurance market. He also served as the product and financial manager for the company. His earlier experience at the Allstate Life companies included being product manager for the personal health insurance line and an assignment at the life insurance subsidiary in Tokyo, Japan.

Karen J. AlvaradoVice President, Regulatory Affairs and Compliance, Insured Retirement Institute (IRI)

Karen J. Alvarado, VP of Regulatory Affairs and Compliance for the Insured Retirement Institute (IRI). Prior to joining IRI, Karen has served as chief compliance officer for the Transamerica Capital Management Division of AEGON Insurance Group based in Cedar Rapids, IA and compliance officer for Pacific Life Insurance. Karen has over 25 years

experience in regulatory compliance in the financial services industry, working with banks, broker-dealers, distributors and insurance companies, with particular expertise in annuity compliance issues and product development. She is an active participant on many industry initiatives with the NAIC, SEC, FINRA and state regulatory agencies. Karen attended the University of Memphis.

Bruce AshtonPartner, Drinker Biddle & Reath LLP

Bruce Ashton is a partner in the Employee Benefits & Executive Compensation Practice Group of the national law firm of Drinker Biddle & Reath LLP. His practice focuses on all aspects of employee benefits issues, including representing public and private sector plans and their sponsors, negotiating the resolution of plan qualification issues under IRS remedial correction programs, advising and defending fiduciaries on their obligations and liabilities, structuring qualified plans, non-qualified deferred

compensation arrangements and health care arrangements, and representing plan service providers (including RIAs, independent record-keepers, third party administrators, broker-dealers and insurance companies) in fulfilling their obligations under ERISA. Combining his employee benefits and transactional expertise, Bruce is also active in the installation and funding of employee stock ownership plans (ESOPs). Bruce served as president of the American Society of Pension Professionals and Actuaries (ASPPA) for the 2003-2004 term. From 1998 through 2002, he served as the co-chair of ASPPA’s Government Affairs Committee and was a member of its board of directors from 1997 to 2007. He was a member of the Board of Directors of the American Academy of Actuaries during 2003-2004, was the president of the Western Pension & Benefits Conference Los Angeles Chapter from 2008-2009, and currently serves as a member of the leadership counsel of the National Tax Sheltered Accounts Association (NTSAA). He will serve as president of NTSAA during the 2013-2014 term.

J. Bradley BennettExecutive Vice President, Chief of Enforcement, FINRA

J. Bradley Bennett, Executive Vice President of Enforcement, joined FINRA in January 2011, and is responsible for overseeing FINRA’s Department of Enforcement. In this capacity, Mr. Bennett directs investigating and bringing all formal FINRA disciplinary actions against firms and their associated persons for violations of FINRA rules and

federal securities laws. Previously, Mr. Bennett was a partner at the law firm Baker Botts in Washington, DC, where he specialized in financial and securities law violations. Before joining Baker Botts in 2001, he was an attorney at Miller, Cassidy, Larocca & Lewin. Mr. Bennett started his career at the Securities and Exchange Commission as a senior attorney in the Division of Enforcement, with responsibility for cases covering all facets of securities law, including accounting, broker-dealer regulation, tender offers and insider trading. Mr. Bennett serves as an adjunct professor of securities regulation at Catholic University’s Columbus School of Law. He received his undergraduate degree from St. Lawrence University and his J.D. from Georgetown University Law Center.

Mitchell BompeyExecutive Director, Legal and Compliance Division, Morgan Stanley Smith Barney

Mitchell Bompey is an Executive Director in the Morgan Stanley Smith Barney Legal and Compliance Division. During the past 11 years at Morgan Stanley, Mitchell has been responsible for the legal oversight of the Firm’s Internet presence, marketing and advertising, as well as support of the Firm’s information security, IT security and privacy programs. Recently, Mitchell has joined the Morgan Stanley Smith Barney legal team in support of the retail broker dealer’s investment products and marketing initiatives.

Speaker Biographies


Prior to joining Morgan Stanley, Mitchell was an associate at Fish & Neave and Weil, Gotshal & Manges in New York. Mitchell is a 1994 graduate of the University of Virginia School of Law.

Phyllis C. BorziAssistant Secretary of Labor, Employee Benefits Security Administration

Phyllis C. Borzi was confirmed on July 10, 2009 as Assistant Secretary of Labor of the Employee Benefits Security Administration (EBSA). EBSA oversees nearly 708,000 private-sector retirement plans, approximately 2.8 million health plans, and a similar number of other welfare benefit plans that that provide benefits to approximately 150 million Americans. As agency head, she oversees the administration, regulation and enforcement of Title I of the Employee Retirement Income Security Act of 1974 (ERISA). Previously, Ms. Borzi was a research professor in the Department of Health Policy at George Washington University Medical Center’s School of Public Health and Health Services. In that position, she was involved in research and policy analysis involving employee benefit plans, the uninsured, managed care, and legal barriers to the development of health information technology. In addition, she was of counsel with the Washington, D.C. law firm of O’Donoghue & O’Donoghue LLP, specializing in ERISA and other legal issues affecting employee benefit plans, including pensions and retirement savings, health plans, and discrimination based on age or disability. From 1979 to 1995, Borzi served as pension and employee benefit counsel for the U.S. House of Representatives, Subcommittee on Labor-Management Relations of the Committee on Education and Labor. In 1993, she served on working groups dealing with insurance reform, workers’ compensation and employer coverage in connection with the Clinton Task Force on Health Care Reform. Borzi is a charter member and former President of the American College of Employee Benefit Counsel and served on its Board of Governors from 2000-2008; former member and former co-chair of the Advisory Board of the BNA Pension & Benefits Reporter; former member of the Advisory Committee of the Pension Benefit Guaranty Corporation; and former member of the Advisory Board of the Pension Research Council, The Wharton School, The University of Pennsylvania; and former member of the Board of the Women’s Institute for a Secure Retirement (WISER). In 2008, she was appointed by the U.S. District Court for the Northern District of Ohio and served as a public member of the Administrative Committee for the Goodyear retiree health trust. Borzi has published numerous articles on ERISA, health care law and policy and retirement security issues and has been a frequent speaker to legal, professional, business, consumer and state and local governmental organizations. An active member of the American Bar Association, Borzi is the former chair of the ABA’s Joint Committee on Employee Benefits. She holds a Master of Arts degree in English from Syracuse University and a J. D. from Catholic University Law School, where she was editor-in-chief of the law review. She is a member of the District of Columbia Bar and is admitted to practice before the U.S. Court of Appeals for the District of Columbia Circuit and the U.S. Supreme Court.

Richard T. ChoiPartner, Jorden Burt LLP

Richard T. Choi leads the Mutual Funds & Investment Adviser Industry Group for Jorden Burt. He has extensive experience advising investment companies, investment advisers, broker-dealers, and life insurance companies on federal and state securities and insurance compliance and regulatory matters. His experience includes advising investment company boards, independent directors and trustees, and special committees of directors and trustees. Mr. Choi counsels clients on the development and distribution of sophisticated financial products, such as variable annuities, variable life insurance, and face-amount certificates, and has published numerous articles and regularly speaks on federal securities issues relating to variable insurance products and mutual funds. Mr. Choi has appeared on Bloomberg TV and has been quoted in Bloomberg, the Chicago Tribune, the Los Angeles Times, National Underwriter, U.S. Banker, the Wall Street Journal Online, and other financial and trade publications.

Nick ChristakosPartner, Sutherland

Nick Christakos, a member of Sutherland’s Litigation Practice Group, concentrates in federal and state court litigation and arbitration. His litigation experience is broad-based, covering several substantive areas including insurance, reinsurance, Employee Retirement Income Security Act (ERISA), securities, employment law,

automotive franchise and general contract disputes. Nick also serves as the firm’s General Counsel. In the insurance and reinsurance areas, Nick has spent thousands of hours in litigation, arbitration and client counseling relating to insurance product transactions, sales practices, coverage, fiduciary liability, risk management, reinsurance arrangements and other matters affecting the financial services industry.

Megan A. ClaypoolVice President Compliance and Senior Counsel, Aviva USA

Megan A. Claypool is Vice President Compliance and Senior Counsel at Aviva USA in Des Moines, Iowa. In her current role, Megan is responsible for annuity suitability review and consumer resolution (complaints), for both life insurance and annuities, in addition to serving in other compliance capacities. She joined the company’s Legal

Department in 2004 as counsel. As counsel, Megan provided legal advice to the departments supporting individual life insurance business and managed related litigation. Prior to joining Aviva, she practiced commercial litigation law in a Des Moines, Iowa law firm. Megan earned her B.A and law degree at The University of Iowa.

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Michael P. CogswellSenior Vice President, Product Manager, PIMCO

Mr. Cogswell is a senior vice president and product manager in the New York office. Prior to joining PIMCO in 2011, he was a vice president at Genworth Financial, responsible for management and development of the company’s variable annuity and variable life insurance products. Previously, he focused on new variable and fixed annuity products

as a vice president in market product management at Sun Life Financial. Mr. Cogswell was with Merrill Lynch for 16 years in various roles, including director of non-qualified retirement plans in the retirement group and director of product development in the insurance group. He began his career as a tax attorney. He has 23 years of investment and financial services experience and holds a J.D. from the University of Virginia School of Law, as well as a master of laws in taxation from Georgetown University. He received his bachelor’s degree from the College of the Holy Cross.

J. Lee Covington IISenior Vice President and General Counsel, IRI

Lee Covington, a nationally recognized regulatory expert, was appointed to lead IRI’s legal, legislative and regulatory strategy at the federal and state level, including all efforts before the new administration, Congress, SEC, FINRA, state legislatures, and state insurance and securities departments in April 2009. Prior to joining IRI, Covington served as a co-leader for the National Insurance Practice at an AmLaw 100 global law firm, Squire Sanders and Dempsey in Washington, DC. During his time at the firm, Mr. Covington represented clients on large multi-state market conduct examinations and advised clients on state and federal life and annuity suitability regulations. Covington previously served as the Director of the Ohio Department of Insurance, where he was, among other leadership positions, a member of the NAIC Executive Committee as Chair of the Midwestern Zone, Vice Chair of the NAIC Market Conduct and Consumer Affairs Committee, and one of the lead negotiators for the NAIC before the Congress on Gramm Leach Bliley and numerous other federal legislation. He was a principal author of the Statement of Intent to Modernize State Insurance Regulation, as well as the Interstate Insurance Product Compact Model Act, and led the implementation of SERFF as the one stop national rate and form filing system. During his time as Director, he was recognized in the industry as one of the most progressive regulators in the country and was the first Ohio Insurance Director to receive the Ohio Big I’s Independence Bell Award. Mr. Covington is a graduate of the University of Arkansas, where he received both a B.S.B.A in Political Science and a Juris Doctorate. He resides in Mc Lean, Virginia, and is married with three children.

Pramit DasAssistant Director, Advertising Regulation Department, FINRA

Pramit Das is the Assistant Director of FINRA’s Advertising Regulation Department. In this role, his responsibilities include managing two filings review groups, assisting with administration of the filings review program, developing and maintaining the Department’s technology needs, providing education to members, FINRA staff and other regulatory staff and, participating in certain rule amendment and rule making projects as necessary. He served in the same role at NASD before its 2007 consolidation with NYSE Member Regulation. Prior to joining NASD in 1994, Mr. Das worked for Metropolitan Life Insurance Company and Arthur Andersen & Co. He holds an M.B.A. from the University of Maryland, College Park, and an M.A. in Financial Economics from Clemson University, Clemson, SC. He was also Series 7 and 63 registered.

Carlo V. di FlorioDirector, Office of Compliance Inspections and Examinations, U.S. Securities and Exchange Commission

Mr. di Florio became the Director of the Office of Compliance Inspections and Examinations on January 25, 2010. Prior to joining the Commission, Mr. di Florio was a partner in the Financial Services Regulatory Practice at PricewaterhouseCoopers (PwC). While in private practice, Mr. di Florio was one of PwC’s national leaders in corporate

governance, enterprise risk management (ERM) and regulatory compliance and ethics. Mr. di Florio has played a leading role in setting new industry standards, including the COSO Enterprise Risk Management standard and the Open Compliance and Ethics Guidelines (OCEG). He has extensive experience assessing the effectiveness of regulatory compliance, risk management and corporate governance programs. He has also led numerous fraud and corruption investigations nationally and internationally. Mr. di Florio received his Master of Laws (LL.M) with distinction from Georgetown University Law Center, his Juris Doctor (JD) from Penn State University’s Dickinson School of Law, and his Bachelor of Arts (BA) in Political Economy from Tulane University.

Linda Elston, AIRC, FLMISenior Contract Analyst, RiverSource Life Insurance Company

Linda Elston joined the filing/compliance/contract generation team for IDS Life Insurance Company, in May of 1996. IDS Life merged with affiliated insurance companies in the third party and direct mail distribution channels and has been renamed RiverSource Life Insurance Company with a sister company in New York, RiverSource Life of

New York. She plays a leading role in annuity contract and rider drafting for the company and developed many of the state filing

Speaker Biographies (Continued)


processes and procedures. She participated in development of many of the annuity standards for the IIPRC, working with the ACLI. Prior to joining the filing team, Linda served 2 years (June 1994-May 1996) in the Law Department of American Express Financial Advisors (now Ameriprise Financial), managing the advertising review process, NASD (now FINRA) filings of advertising material, and assisting in preparation of SEC filings. Linda attended the University of Minnesota and received the following designations from the Life Office Management Association, Inc.: Associate, Insurance Regulatory Compliance and Fellow, Life Management Institute. She resides in Minneapolis, Minnesota, is married to Tim Jones, and is the mother of two sons and one daughter.

Joseph D. EmanuelVice President and Chief Legal Officer, Annuities, Prudential Financial, Inc.

Joseph Emanuel is vice president and chief legal officer for Prudential Annuities. He is responsible for leading the legal group and providing support and counsel on Prudential’s development, marketing and distribution of annuity products, including registration of variable and fixed annuity contracts with the U.S. Securities and Exchange Commission.

Joseph has over twenty years legal, compliance and business experience, specializing in securities and insurance regulatory matters, and regulatory and compliance issues for investment advisers and broker-dealers. He joined Prudential in 2005 from Jackson National Life Insurance Company, where he held various positions, including executive vice president and chief administration officer of Jackson National Life Distributors and National Planning Holdings. He also served as vice president, associate general counsel and corporate secretary while with Jackson National. Joseph’s work experience also includes serving as legal counsel for Nationwide Life Insurance Company and assistant attorney general for the Ohio Attorney General’s Office. Joseph graduated from Bowling Green State University with a bachelor’s degree in Business Administration and Industrial and Labor Relations. He received his Juris Doctor from the University of Akron School of Law. Joseph is the co-chair of the securities section of the Association of Life Insurance Counsel. He is a board member of the Greater Valley Chamber of Commerce and Director on the board of Griffin Hospital.

Ruth S. EpsteinPartner, Dechert LLP

Ruth S. Epstein has 30 years of corporate and securities legal experience, including work involving investment companies, investment advisers, and broker-dealer regulation; SEC enforcement; and variable insurance product design and regulation. Ms. Epstein has held a number of positions at the Securities and Exchange Commission, including senior special counsel in the Office of the General Counsel (1983-84), special counsel (1982-83), and staff attorney with the Division of Enforcement and the Office of General Counsel (1978-82). Since 2007, Ms. Epstein has been recognized as a leading lawyer for Investment Funds: Registered Funds by Chambers USA, which praised her as “one of the most

knowledgeable experts in the funds industry, which is no easy feat.” She has also been listed in The Best Lawyers in America for her work in mutual funds law.

William J. EversVice President and Counsel for AXA Equitable Life Insurance Company

Bill Evers is Vice President and Counsel for AXA Equitable Life Insurance Company (New York, NY) where he provides advice to the company’s variable annuity and variable life product areas. His responsibilities include registration of individual and group products and related matters. Bill also advises with respect to regulatory compliance issues and market conduct examinations. Over the past 5 years, Bill has played an active role in industry working groups – most notably with the IRI on its Summary VA prospectus initiative. Bill has been with AXA Equitable for 7 years.

Andrew A. FavretAssociate Vice President and Regional Chief Counsel, FINRA

Andrew A. Favret is Associate Vice President and Regional Chief Counsel in the FINRA New Orleans District Office, with supervisory responsibility for the Enforcement functions in the New Orleans, Dallas, Atlanta and Boca Raton District Offices. Since joining FINRA in 1991, he has worked on a variety of enforcement initiatives, including recent

cases involving day-trading practices, municipal bond pricing, and the marketing and sale of variable products. He lectures frequently concerning regulatory and enforcement issues. Prior to joining FINRA, Mr. Favret was associated with the Washington, DC office of Dechert Price & Rhoads, where he was involved in the firm’s securities and banking practices. Mr. Favret attended Boston College, received BA and JD degrees from The Catholic University of America and received an MA degree from St. John’s College.

Ralph FerraraVice Chair, Dewey & LeBoeuf

Ralph Ferrara is vice chair of Dewey & LeBoeuf. His practice includes a wide range of business regulatory and corporate governance matters representing corporations and individuals in complex securities class and shareholder derivative actions, advising corporate clients on Securities and Exchange Commission

reporting and disclosure requirements, representing corporations and individuals in government investigations and enforcement proceedings, conducting corporate internal investigations and counseling corporate officers and boards on these matters. Mr. Ferrara has argued on five occasions before the United States Supreme Court, appeared in each of the Federal Circuit Courts of Appeal and represented clients in state and federal courts across the country. Prior to joining the firm, Mr. Ferrara was the managing partner of Debevoise & Plimpton’s Washington, DC office and a member of the firm’s Management Committee. Mr. Ferrara also served as General Counsel of the Securities and Exchange

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Commission. In that capacity, Mr. Ferrara argued several cases before the United States Supreme Court including: Harry G. Burks, et al. v. Howard M. Lasker and Irving Goldberg; Transamerica Mortgage Advisors, Inc., et al. v. Harry Lewis; Aaron v. Securities and Exchange Commission; Steadman v. Securities and Exchange Commission. During his career with the Securities and Exchange Commission, Mr. Ferrara was appointed as Chief of Staff or Special Counsel to three Chairmen.

Ann B. FurmanPartner, Jorden Burt LLP

Ann Furman is a partner in the Washington, D.C. office of Jorden Burt LLP. She chairs Jorden Burt’s SEC/FINRA Practice Team. For over 20 years she has represented life insurance companies, investment advisers, broker-dealers, and investment companies in regulatory and compliance matters arising under the federal and state securities laws, state insurance laws, and FINRA rules. She has extensive experience advising clients on mutual fund and variable insurance product design, organization, registration, and disclosure issues, status questions under the federal securities laws, regulatory examination matters, SEC periodic reporting requirements, electronic commerce issues, financial privacy issues, and private placement transactions, among other things. She also provides regulatory and compliance counseling to broker-dealer clients on issues involving supervision, suitability, e-mail retention and production, advertising, compensation arrangements, and books and records issues. Ann served as an SEC-approved independent compliance consultant retained as part of the resolution of an SEC enforcement action. Ann is a member of Subcommittee on Securities Activities of Insurance Companies of the ABA. She contributes a column on life insurance and annuity developments in The Investment Lawyer (Aspen Publishers). She is involved with Catholic Charities of the Diocese of Arlington, Inc., as a member of the special gifts committee. Ann received her J.D. from Georgetown University Law School in 1987, where she was a member of the international law review, and her B.S. with honors from University of California (Berkeley) in 1978. She is admitted to practice in California and the District of Columbia.

Paul GallagherVice President and Counsel, Litigation and Employment Law, John Hancock Financial Services, Inc.

Paul Gallagher heads up the Litigation and Employment Law section of John Hancock Financial Services’ U.S. Law Department in Boston. From 1999 to 2006, Mr. Gallagher was Chief Counsel to Manulife’s and later John Hancock’s U.S. Individual Life Insurance Operations. During his twenty five years with the company beginning with Manulife in

Toronto and later in Boston he has managed litigation in the U.S., Canada, and the U.K. for various business units of John Hancock and Manulife. Mr. Gallagher is the past chair of the ACLI Task Force

on Insurable Interest. He received a BA from York University in Toronto, Ontario, a Master of Arts from Saint Francis College (Pa.), and a Juris Doctor from West Virginia University College of Law. He is admitted to practice in Pennsylvania and the District of Columbia.

Karen GivensProduct Review Consultant, Interstate Insurance Product Regulation Commission

Karen Givens joined the Interstate Insurance Product Regulation Commission (“IIPRC”) as a Product Review Consultant on March 21, 2011. The Product Review Consultant’s primary responsibility is the review of all products filed with the IIPRC, including review for compliance with the IIPRC Uniform Standards and all applicable IIPRC Operating Procedures. Prior to joining the IIPRC, Karen was a Senior Compliance Analyst with Pacific Life Insurance Company from January 2008 until joining the IIPRC. While at Pacific Life, she had primary responsibility for the drafting and filing of all individual, fixed and variable, annuity products. Prior to joining Pacific Life, Karen served as the Director of Compliance for the Retirement Plans Division at Mutual of Omaha Insurance Company. Karen was with Mutual of Omaha from August 2002 until January 2008. As the Director of Compliance, Karen was responsible for managing the compliance functions of the Division that supported group fixed and variable annuities, accumulation products and institutional investments. Karen has extensive experience in annuity administration, product development, forms compliance and state filing functions. Prior to joining the insurance industry, Karen was employed as an attorney in private practice. Karen received her Bachelor of Arts degree in Sociology and Political Science from Creighton University. She also received her Juris Doctor from Creighton University School of Law and is licensed to practice law in the state of Nebraska. Karen is also Series 7 & 26 licensed and recently served as a Registered Principal with Mutual of Omaha and Pacific Life.

William A. GottliebAttorney, John Hancock

Mr. Gottlieb has been an attorney at John Hancock since 1995. There, he has been responsible for much of the Company’s class action and other significant litigation. Mr. Gottlieb has also represented the Company’s interest in the various market conduct examinations the Company has experienced. Prior to joining John Hancock, he was a

partner at the law firm of Tucker, Biegel and Goldstein in Boston, concentrating in complex civil and criminal litigation. Mr. Gottlieb spent the first nine years of his career as a prosecutor, first as an Assistant State Attorney in Miami and later as an Assistant District Attorney in Boston and as an Assistant Attorney General for the Commonwealth of Massachusetts.



Mark E. GriffinPartner, Davis & Harman LLP

Mark E. Griffin, a partner in the Washington, D.C. law firm of Davis & Harman LLP, where he served as Managing Partner for 2004 through 2006. His practice includes work before the IRS National Office and Department of Treasury. Mr. Griffin specializes in the federal income tax treatment of insurance products issued in the qualified and

nonqualified markets. Before joining Davis & Harman LLP, Mr. Griffin was a Tax Law Specialist with the IRS National Office and was an Attorney Advisor at the United States Tax Court. He received his BA from Hamilton College (magna cum laude), his JD from Syracuse University College of Law (cum laude), and his LLM in Taxation from Georgetown University Law Center.

Paul A. Howell, Jr.Deputy General Counsel, Litigation and Regulatory Dispute Resolution, ING Americas Legal Services

Paul serves as Deputy General Counsel, Litigation and Regulatory Dispute Resolution for ING Americas Legal Services, where he leads the team that is responsible for managing ING U.S. Insurance litigation and regulatory disputes. Paul joined ING in 2001. Prior to that he was a founding partner of the law firm of Pursley, Howell, Lowery & Meeks, an Atlanta firm that confined its practice to assisting clients in litigation and alternative dispute resolution. Before that, he was a partner in the Atlanta office of the national law firm of Kutak Rock & Campbell. He received his law degree in 1975 from Vanderbilt University School of Law.

Mark IwrySenior Advisor to the Secretary of the Treasury and Deputy Assistant Treasury Secretary for Retirement and Health Policy, U.S. Treasury Department

Mark Iwry (pronounced “Eevry”) is Senior Advisor to the Secretary of the Treasury and is the Deputy Assistant Treasury Secretary for Retirement and Health Policy. He was previously a Nonresident Senior Fellow at the Brookings Institution, Research Professor at Georgetown University, Of Counsel to the law firm of Sullivan & Cromwell LLP, a Principal of the Retirement Security Project, and, from 1995 to 2001, the U.S. Treasury Department’s Benefits Tax Counsel. Mr. Iwry has advised numerous Senators, Members of Congress and staffs on both sides of the aisle, as well as five Presidential campaigns (in 2004 and 2008), and has often testified before congressional committees – representing the Treasury and Executive Branch or, while in the private sector, testifying as an independent expert – as well as State legislatures. He has been recognized as one of the 100 Most Influential People in Finance (Treasury and Risk Magazine) (one of 5 in the field of Retirement and Benefits); one of the 100 Most Influential People in the 401(k) Industry (401(k) Wire); and one of the “Investment News 20 for 2010” (20 individuals expected to have a major influence on the financial services industry). Formerly a partner in the law firm of Covington & Burling, a member of the White House Health Reform Task Force in 1993-94, and chair of the D.C.

Bar Employee Benefits Committee, Mr. Iwry’s books and articles include the co-edited volume (with Wm. Gale and Peter Orszag), Aging Gracefully: Ideas to Improve Retirement Security in America (Century Fdn Press). A principal architect of the Saver’s Credit to expand 401(k) and IRA coverage (claimed annually on nearly 6 million tax returns) and the “SIMPLE” 401(k)-type plan (covering an estimated 3 to 4 million workers), Mr. Iwry co-authored (with David John) President Obama’s legislative proposal to expand coverage through automatic IRAs. In the 1990s, he formulated and directed Treasury’s strategy to increase retirement saving by defining, approving and promoting 401(k) automatic enrollment (as well as automatic rollover to curtail pension leakage). He also has been centrally involved in developing or orchestrating many other significant improvements and simplifications of the nation’s pension system, including IRS direct deposit of split income tax refunds into IRAs and US saving bonds, the “Universal Savings Accounts” proposal (1999-2000), payroll deduction IRAs, and the small business new plan startup tax credit. Mr. Iwry is an honors graduate of Harvard College and Harvard Law School, received a Masters in Public Policy from Harvard’s Kennedy School, is listed in Who’s Who, Best Lawyers in America, Washington DC Super Lawyers, etc., and is a Fellow of the American College of employee Benefits Counsel and a member of the bar of the U.S. Supreme Court.

James JordenManaging Partner, Jorden Burt LLP

James Jorden is the Managing Partner of Jorden Burt LLP and a nationally recognized expert in insurance and securities industry litigation. Mr. Jorden conducts and supervises the Firm’s substantial litigation practice, representing many of the country’s largest financial institutions in securities, corporate and pension litigation. He is known for his

expertise in national class action litigation, having served as lead or associate counsel in over one hundred securities, insurance, RICO and other class actions. Over the past 15 years, he has also been lead trial counsel in more than 50 individual cases in federal and state courts throughout the United States. He has argued before the United States Supreme Court, eight of the U.S. circuit courts, and numerous state courts of appeal. Described in The National Law Journal as a “lawyer’s lawyer” by one of his financial institution clients, Mr. Jorden is regularly retained as senior counsel by national insurance companies, mutual funds and banks. He has represented industry groups, including the American Council of Life Insurers, on complex commercial litigation matters. In addition to his trial and appellate practice, Mr. Jorden represents clients before the Securities and Exchange Commission, the Department of Labor, the Internal Revenue Service, the Justice Department and state regulatory agencies. In a BTI Survey of Fortune 1000 companies, Mr. Jorden was named a Client Service All-Star as one of the top “Go-To” lawyers providing the most “extraordinary attention to client needs,” and “successful responsiveness.” Mr. Jorden most recently served as lead counsel in defending a nationwide class action case in the United States District Court in Minneapolis, Minnesota. The case involved allegations of misrepresentations in marketing materials relating

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to certain annuity products purchased during a seven year period beginning in 2000. It expanded to other sales policies and practices, and grew to be one of the largest class actions against an insurance company, implicating over 400,000 policies. After a three-week trial, the jury returned a defense verdict, finding that the insurer’s conduct had not caused loss or damage to any class member. In other recent matters, Mr. Jorden served as lead counsel in a six week jury trial in Tennessee which resulted in a defense verdict and a counterclaim award for his financial institution client in excess of $70 million. He also successfully defeated class certification, at both the District Court and in the 4th Circuit Court of Appeals in a suit alleging policy rate discrimination against more than 1.4 million putative class members (Thorn v. Jefferson Pilot Life Insurance Co., 445 F.3d 311 (4th Cir. 2006)). Mr. Jorden is currently serving as lead defense counsel in several multi-district litigation proceedings involving the sale of annuities. During the past ten years, he has also served as lead defense counsel in six of the most significant Federal Court of Appeals and state Supreme Court victories involving class actions in the life insurance industry. He is the co-author of the Handbook on ERISA Litigation published by Wolters Kluwer Law & Business/Aspen Publishers (1992)(3d ed. 2007), and has lectured widely on corporate, securities and employee benefit litigation and authored numerous articles on class actions and trial practice. He chairs the Firm’s Life Industry Group.

Richard G. KetchumChairman and Chief Executive Officer, FINRA

Prior to becoming CEO of FINRA, Mr. Ketchum was CEO of NYSE Regulation from March 2006 to March 2009. He served as the first chief regulatory officer of the New York Stock Exchange, a position he began in March 2004. From June 2003 to March 2004, Mr. Ketchum was General Counsel of the Corporate and Investment Bank of Citigroup

Inc., and a member of the unit’s planning group, Business Practices Committee and Risk Management Committee. Previously, he spent 12 years at NASD and The Nasdaq Stock Market, Inc., where he served as president of both organizations. Prior to working at NASD and NASDAQ, Mr. Ketchum was at the Securities and Exchange Commission (SEC) for 14 years, with eight of those years as director of the division of Market Regulation. In October 2010, Mr. Ketchum was appointed by President Obama to serve on the President’s Advisory Council on Financial Capability—a group established to promote and enhance financial literacy and capability among Americans. He also serves on the Joint Advisory Committee on Emerging Regulatory Issues, a committee created by the SEC and CFTC to review emerging regulatory issues, starting with the market events coming out of the May 2010 so-called “flash-crash.” Mr. Ketchum serves on the Board of Directors of Appleseed, a non-profit network of 16 public interest justice

centers in the United States and Mexico dedicated to advancing the rule of law, promoting effective government and creating opportunities for individuals’ economic advancement. Mr. Ketchum earned his J.D. from the New York University School of Law in 1975 and his B.A. from Tufts University in 1972. He is a member of the bar in both New York and the District of Columbia.

Gary KleinEVP, Deputy General Counsel, LPL Financial

Gary Klein is executive vice president and deputy general counsel, regulatory matters, in the LPL Financial Legal Department. In this role, Mr. Klein is responsible for regulatory exams and inquiries, regulatory enforcement inquiries and actions, and government relations. Mr. Klein has more than 20 years of regulatory and litigation

experience. Prior to joining LPL Financial in 2010, he was based in the Miami regional office of the U.S. Securities and Exchange Commission, where he served most recently as branch chief, regulation, and was responsible for planning, conducting, and supervising complex financial, operational, and sales practice examinations of investment advisors, hedge funds, broker/dealers, and investment companies. Earlier, he served as branch chief, enforcement, for the SEC. Before the SEC, Gary worked in private practice and handled securities litigation, including arbitrations and regulatory enforcement cases, and he worked in-house at Prudential Securities. He began his career as an assistant district attorney in Bronx, New York. Mr. Klein earned a Juris Doctorate from the University of Miami and a Bachelor of Arts from the University of New York at Albany. He is a member of the Florida, New York, New Jersey, and American Bar Associations and is a certified FINRA arbitrator.

Lawrence N. KosciulekDirector, FINRA Investment Companies Regulation

Larry Kosciulek has served in the same capacities at NASD before its 2007 consolidation with NYSE Member Regulation, which resulted in the formation of FINRA. He is responsible for administering and interpreting the rules relating to investment companies and variable contracts, and working with FINRA Board Committees in

developing policies and procedures regarding investment companies’ regulations. The Board Committees include the Investment Companies Committee and the Independent Dealer/Insurance Affiliate Committee. He has also assisted in the creation of various publications, including Notice to Members NtM 95-80 (Mutual Fund Sales Practices), NtM 99-35 (Variable Annuity Guidelines), NtM 99-55 (Q&A – Non-Cash Compensation), NtM 00-



44 (Variable Life Insurance Guidelines), Regulatory Notices 09-32 and 10-05 (Deferred Variable Annuities) and Regulatory Notice 09-42 (Variable Life Settlements). He began his career in 1976 in the Chicago District Office of NASD. In November 1994 he transferred to NASD’s home office in Washington, DC. Larry is a graduate of Northern Illinois University with a B.S. in Finance and has completed several professional education programs.

William J. KotapishAssistant Director, Office of Insurance Products and Regulation, Division of Investment Management, U.S. Securities and Exchange Commission

Mr. Kotapish is assistant director in the Office of Insurance Products and Regulation, Division of Investment Management at the Securities and Exchange Commission. He came to the SEC in 1999 from private practice with the firm of Dechert Price & Rhoads, where he focused on investment company and investment advisor regulation. Mr. Kotapish has a B.A. from the University of Virginia and a J.D. from the Columbus School of Law at Catholic University.

Michael P. KrepsPensions Counsel to the Senate Committee on Health, Education, Labor & Pensions

Michael P. Kreps serves as Pensions Counsel to the Senate Committee on Health, Education, Labor & Pensions where he advises Chairman Tom Harkin and other committee members on ERISA and retirement issues. Michael joined the HELP Committee after practicing employee benefits law at a law firm in Washington, DC. While in private practice, he specialized in the fiduciary responsibility and prohibited transaction rules under ERISA as well as the plan funding, termination and restructuring rules. Michael holds a JD, with honors, from The George Washington University Law School and a B.A., with distinction, from the University of Colorado.

John LittleCOO & SVP of Federal Affairs, IRI

Prior to joining IRI in 2009, John Little served as a senior staffer in the United States Senate for over a decade. John served as Chief of Staff to Senator Mel Martinez (R-FL) from his election to the Senate in 2004 until 2008. John also served as senior advisor to Senator Martinez during his tenure as General Chairman of the Republican National Committee. Prior to joining Senator Martinez, John served as Legislative Director for Senator Jeff Sessions (R-AL). He rose from a campaign volunteer in Sessions’ 1996 election victory to Counsel and Legislative Director. John also assisted Senator Sessions with his Chairmanship of the Senate Republican Steering Committee. John received his bachelor’s degree in 1994 from Southern Methodist University and his juris doctorate degree from the Cumberland School of Law in 1997. He currently resides in Alexandria, Virginia.

Kristine Lord-KrahnSenior Counsel, Corporate Legal Department, Allianz Life Insurance Company of North America

Kristine joined Allianz in October 2005 and is responsible for providing legal guidance to Allianz’s two owned broker-dealers, Questar Capital Corporation and Allianz Life Financial Services. Prior to joining Allianz, Kristine has served as counsel at RBC Dain Rauscher, TCF Investments and Insurance, and the Office of the State Auditor of Minnesota.

Kristine has a BA in political science from the University of St Thomas (1996) and earned her JD from William Mitchell College of Law in 1999. She is admitted to practice law in Minnesota.

Beth Maziad, FLMI, ACSVice President, Raymond James Insurance Group

Beth Maziad is vice president of Raymond James Insurance Group, the insurance and annuity affiliate of Raymond James Financial. She plays a key role in the management of the organization, and has responsibility for the overall operations of the insurance and annuity areas at the firm. Her responsibilities also include directing RJ Insurance Group’s technology efforts. Raymond James Insurance Group provides the back office support for insurance and annuity products for over 5,000 financial advisors affiliated with Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. Beth’s 28 years in the industry have all been with the Raymond James organization. Beth is insurance licensed and holds both Series 7 and 26 Registrations. Additionally, she is the broker/dealer co-chair of IRI’s Operations Committee, a member of the Technology Committee, and the DTCC Senior Advisory Board.

Joseph F. McKeever, IIIPartner, Davis & Harman LLP

Mr. McKeever has been a partner in the Washington, D.C. law firm of Davis & Harman LLP since 1985. His practice focuses on the Federal income taxation of life insurance company products, principally annuities and life insurance contracts. Among other clients, Mr. McKeever represents the Committee of Annuity Insurers, a coalition of 32 of the

largest issuers of annuity contracts. Mr. McKeever has served as Chairman of the National Association for Variable Annuities (NAVA) and as Chairman of the Committee on Insurance Companies of the American Bar Association, Section on Taxation. He currently serves on the Board of the Insurance Tax Conference and the Insurance Tax Review, as well as the Advisory Committee of the Federal Bar Association’s Insurance Tax Seminar. Mr. McKeever speaks regularly on topics related to the taxation of life insurance company products, and has made many presentations at the Federal Bar Association’s Insurance Tax Seminar, the Stanford Life Insurance

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Taxation Workshop, the Practising Law Institute, ALI-ABA conferences, and the Insurance Tax Conference. Mr. McKeever has written a number of articles on issues related to the taxation of life insurance company products. He is a co-editor and contributing author of the Annuities Answer Book (Panel Publishing). He lives in the District of Columbia with his wife Janice McKeever and their semi-trained German shepherd, as well as a very independent cat, all of whom are passionate baseball fans.

Ken Morris, Ph.D.President and Founder of Lightbulb Press

Ken Morris is the President and Founder of Lightbulb Press. Under Ken’s leadership, Lightbulb has become widely recognized as a premier firm in financial literacy and investor education. Ken was instrumental in establishing the format and style of Lightbulb’s perennially popular guides, which are familiar to millions of readers and have

helped to educate a broad range of people, from students and young adults to seasoned investors and financial professionals. Ken also led Lightbulb’s development of financial education websites and interactive learning platforms for financial services firms, non-profits, and regulatory agencies worldwide. Lightbulb’s signature style stems from Ken’s pioneering work in the plain language movement and his innovative approach to clarifying documents to help consumers and businesses make informed decisions. In this capacity, Ken worked with the IRS to simplify taxpayer forms and instructions and formulate the 1040EZ form and collaborated with the SEC to develop a plain language handbook for mutual fund prospectuses. He also created the first easy-to-read insurance policies, brokerage statements, and consumer billing statements, demonstrating how plain English, emerging technologies, and information design could be integrated to produce cost-effective, multi-purpose, highly practical business and marketing communications. Ken has co-authored many Lightbulb guides, including Guide to Understanding Money & Investing, Guide to Understanding Personal Finance, Guide to Saving for Retirement, A Woman’s Guide to Investing, the Lightbulb Dictionary of Financial Terms, and A Salute to Smart Investing for military personnel and their families. He has also created consumer guides on credit ratings, information age technologies, and avoiding investor fraud. Ken has written and spoken extensively about the use of plain language and systemic simplification. He has served on the board of directors of the Electronic Document Systems Foundation (EDSF) and the editorial boards of Information Design Journal and Visible Language. Ken holds a Ph.D. and an M.A. in English from Columbia University and a B.A. with high honors in English from Cornell University.

James R. MumfordFirst Deputy Commissioner, Iowa Insurance Division

James R. Mumford is First Deputy Commissioner of the Iowa Insurance Division and also is Securities Administrator which is the lead position for the Iowa Securities Bureau. Mr. Mumford graduated from Iowa State University in 1960 with a degree in agriculture economics. He graduated from Harvard University Law School in 1963. Mr.

Mumford has worked in the insurance industry since 1965 starting in private practice. In 1970 he became counsel with Equitable Life Insurance Company of Iowa. In 1976 he started a law firm specializing in insurance related matters. He worked extensively in insurance related matters including variable annuity and indexed annuity products, pension and tax matters, and financial and corporate governance matters. In 1997, he joined ING Americas as Chief Counsel, Corporate Affairs and also later undertook the duties of Chief Counsel, Special Projects. During that time he was general counsel of several ING insurance subsidiaries and furnished oversight on ING state government relations activities. In 2003, he retired from ING and became Of Counsel with Nyemaster, Goode, West, Hansell & O’Brien Law Firm in Des Moines, Iowa. In 2005 he was appointed to his current position. Mr. Mumford was active in the National Organization of Life and Health Guaranty Association (NOLHGA) where he was a member of its legal committee for 5 years (chair 2 years), member of its audit committee for 3 years (chair 1 year), member of its executive committee for 3 years (chair 1 year), member of its Board of Directors for 6 years (chair 1 year), member of its financial modernization committee for 3 years and co-chaired its Guaranty Association Modernization Task Force for 2 years. During his career, Mr. Mumford was been active with the National Association of Insurance Commissioners (NAIC) on behalf of his clients. He was also active representing member companies of the American Council of Life Insurers (ACLI). Mr. Mumford represents the Iowa Insurance Division by serving on various NAIC Working Groups and Task Forces including currently chairing the NAIC Receivership and Insolvency Task Force and a working group reviewing the NAIC Annuity Disclosure Model Regulation.

Anne Marie Narcini, CPCU, CIE, MCMChief of Market Regulation and Consumer Protection, New Jersey Department of Banking and Insurance

Anne Marie has been with the New Jersey Department in various positions within the Office of Consumer Protection Services for over 22 years, including six years as the Acting Insurance Ombudsman. Her current position as Chief of Market Regulation has oversight responsibility for health insurance consumer outreach, market conduct, market

analysis, licensing investigations and insurance education, and



the consumer response unit for the Department. Anne Marie graduated with a Bachelor of Science from The College of New Jersey, obtained her CPCU in 1993, CIE in 1996 and MCM in 2008. She has been an active member of the Insurance Regulatory Examiners Society (IRES) since 1996, presently serving on its Executive Board as Vice President and is also a member of the Association of Insurance Compliance Professionals (AICP). Anne Marie regularly participates as a member or in leadership roles in NAIC market regulation and producer licensing working groups and task forces and is currently Chair of the Producer Licensing (EX) Working Group as well as Chair of the Market Actions (D) Working Group (MAWG). Anne Marie was the 2008 recipient of the IRES Foundation’s Paul DeAngelo Memorial Teaching Award.

Susan NashAssociate Director, Disclosure and Insurance Product Regulation, U.S. Securities and Exchange Commission

Susan Nash is Associate Director, Disclosure and Insurance Product Regulation, in the Division of Investment Management of the U.S. Securities and Exchange Commission. She is responsible for investment company disclosure rules and for the regulation of variable insurance products. Ms. Nash was an attorney in private practice for several years before joining the SEC. She received her B.A. from The University of Notre Dame, her M.A. from the University of Chicago, and her J.D. from Harvard Law School.

Raymond A. O’Hara IIIVice President, Corporate Counsel, Annuities Law Department, Prudential

Raymond A. O’Hara III is Vice President, Corporate Counsel in the Annuities Law Department of Prudential Insurance Company of America. At Prudential, Mr. O’Hara specializes in legal and regulatory issues relating to the development and marketing of annuity products. Mr. O’Hara joined Prudential in July, 2010. Prior thereto, he was Assistant Vice President and Senior Counsel in the mutual fund law unit of The Hartford Financial Services Group. Prior to Mr. O’Hara’s employment at The Hartford, he was a partner in the law firm of Blazzard & Hasenauer, P.C. for over 25 years where he was engaged in a diversified financial services practice, with an emphasis on variable insurance products and mutual funds. Mr. O’Hara is a frequent speaker at industry conferences. Mr. O’Hara graduated magna cum laude from the University of Bridgeport in 1977 with a bachelor’s degree in English. He received his J.D. degree in 1980 from New York Law School. Mr. O’Hara is admitted to practice in Connecticut and the United States District Court for the District of Connecticut.

Angela PaceChief Regulatory Officer, RegEd

Angela currently serves as RegEd’s Chief Regulatory Officer. An attorney with deep expertise in financial services regulation, Angela has led RegEd’s Regulatory Affairs department since she joined the company in 2000. In her role as Chief Regulatory Officer, Angela and her team focus on helping RegEd’s clients comply with existing

regulation and monitoring emerging regulation that will impact the financial services industry. During her time at RegEd, Angela has held several management positions, focusing on compliance with state insurance regulation and product management for RegEd’s insurance licensing and education products. Angela was instrumental in RegEd’s 2006 acquisition of CT Insurance Services, which would later become RegEd’s Xchange licensing and registration application. Since 2006, she has lead RegEd’s Registration and Licensing Services Operations, RegEd’s fastest growing product line, which provides outsourced licensing and registration services. She oversaw the development of RegEd’s MAX products, which allow agencies and smaller licensing and registration departments to leverage RegEd’s industry-leading Xchange technology to improve their compliance with regulations and provide more efficient transaction processing. Angela has led several education initiatives at RegEd, leveraging RegEd’s robust course delivery system and wealth of financial services content. In 2010, Angela led RegEd’s initiative to address new annuities training requirements on a shared industry platform. Many of these initiatives are designed to enhance and promote carrier wholesaler programs and address independent agent populations. The result, RegEd’s Annuity Training Platform, is the industry’s leading site for annuities training and compliance tracking. Prior to rejoining RegEd in 2000, Angela was a manager with a leading global provider of education to financial services corporations and an attorney. Angela received her J.D. from the Washington University School of Law in St. Louis and her B.A. in Journalism from the University of Missouri - Columbia.

Thomas A. PappasVice President and Director, Advertising Regulation, FINRA

Thomas A. Pappas is Vice President and Director of the FINRA Advertising Regulation Department. The Department regulates the advertisements, sales literature and correspondence used by FINRA firms. His responsibilities include rule development, management of the filing and surveillance programs and related enforcement activities.

He served in the same role at NASD before its 2007 consolidation with NYSE Member Regulation, which resulted in the formation of FINRA. Prior to joining NASD he was with Davenport & Company LLC. He received a bachelor’s degree from The University of Richmond and an M.B.A. from Virginia Commonwealth University.

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Shaunda Patterson-Strachan Partner, Jorden Burt LLP

Shaunda Patterson-Strachan represents insurance and financial services companies in class action and other high-impact litigation, at both the trial and appellate court levels, throughout the United States. She is a Vice Chair of Jorden Burt’s Life Insurance Industry Group.

John C. Penney, Jr.General Director – Compliance, US Fixed Products. John Hancock Financial Services

Jack Penney has been with John Hancock for more than 30 years in the guaranteed annuity, pensions and fixed product business units. Over these years Jack has managed ERISA plans group annuity contract compliance, the underwriting of guaranteed investment contract (GIC) and group single premium terminal funding (pension closeout) products. More recently his responsibilities include guaranteed individual fixed annuity product consulting and compliance. Jack has been an active participant in many life and annuity industry groups, particularly the Life Health Compliance Association (LHCA), the ACLI’s Retirement Plans Committee and the Group Annuity Pension Compliance Association, where he is a member of the Executive Committee. Jack, and his wife Elaine are long time residents of North Reading, Massachusetts. They have three grown sons and seven grandchildren.

Joseph E. PriceSenior Vice President, Corporate Financing/Advertising Regulation, FINRA

Joseph E. Price is Senior Vice President, Corporate Financing/Advertising Regulation, at the Financial Industry Regulatory Authority. The FINRA Corporate Financing Department regulates capital-raising activities of broker/dealers; including equity, debt, REIT, closed-end fund and limited partnership offerings. The FINRA Advertising

Regulation Department regulates broker/dealer sales materials, mutual fund advertisements and other communications with the public. Joe previously worked in various capacities at the Securities and Exchange Commission. He was an Assistant General Counsel and a Special Counsel in the Office of General Counsel and he was the Deputy Chief of the Office of Disclosure and Investment Adviser Regulation in the Division of Investment Management. Prior to working at the SEC, he was a litigator in the Bureau of Competition at the Federal Trade Commission. Joe also worked as a Compliance Investigator at the Coffee, Sugar and Cocoa Exchange. He was an Adjunct Professor at Georgetown University Law Center from 1994 to 2002, where he taught “Current Issues in

Securities Regulation” and “Disclosure under the Federal Securities Laws.” He graduated with distinction in economics from the University of Wisconsin and received his J.D. from Fordham University

Tom ReederSenior Benefits Counsel, Democratic Tax Staff, Senate Committee on Finance

Tom Reeder is Senior Benefits Counsel for the Democratic tax staff of the Senate Committee on Finance. As such, he is involved in analyzing health, retirement, deferred compensation, savings, fringe benefit, and employment tax matters and advising Chairman Max Baucus regarding those issues. Before joining the Finance Committee staff in June of 2009, Mr. Reeder was Benefits Tax Counsel in the Office of Tax Policy at the Department of the Treasury. In that position, he had a similar work portfolio as he has at the Finance Committee, but was also involved in the regulatory and guidance process. Prior to joining the Treasury Department in February of 2000, Mr. Reeder was a partner in the employee benefits practice of Paul, Hastings, Janofsky and Walker in Washington, DC. A native of Texas, he is a graduate of the College of Liberal Arts, Graduate School of Business, and School of Law of the University of Texas at Austin.

C. Frederick ReishPartner, Drinker Biddle & Reath LLP

C. Frederick Reish is a partner in the firm’s Employee Benefits & Executive Compensation Practice Group and Chair of the Financial Services ERISA Team. He has specialized in employee benefits law since 1973 and works with both private and public sector entities and their plans and fiduciaries; representation of plans, employers and fiduciaries before

the governing agencies (e.g., the IRS and the DOL); consulting with banks, trust companies, insurance companies and mutual fund management companies on 401(k) investment products and issues related to plan investments; and representation of broker-dealers and registered investment advisers on issues related to fiduciary status and compliance, prohibited transactions and internal procedures. Fred serves as a consultant on ERISA litigation and FINRA arbitration, with a focus on cases involving broker-dealers, registered investment advisers, financial service companies and other service providers. He has also been engaged to serve as an expert witness in state courts, federal courts and FINRA arbitration proceedings involving issues as diverse as fiduciary liability, fiduciary status of advisers, prohibited transactions, plan interpretation, and bankruptcy issues for ERISA plans. Fred received a J.D. from the University of Arizona James E. Rogers College of Law and B.S. from Arizona State University.



Eileen RomingerDirector, Division of Investment Management, U.S. Securities and Exchange Commission

Eileen Rominger is the Director of the Division of Investment Management (IM) at the U.S. Securities and Exchange Commission. Ms. Rominger was sworn in by Chairman Mary Schapiro on February 16, 2011. IM provides principal oversight for the $38 trillion investment management industry. As Director, Ms. Rominger is responsible for

developing regulatory policy and administering the federal securities laws applicable to investment advisers, mutual funds, ETFs, closedend funds, variable insurance products, and UITs. Prior to becoming IM Director, Ms. Rominger was with Goldman Sachs Asset Management (GSAM). Initially hired by GSAM to run their Value Equity team and portfolios, Ms. Rominger became the Chief Investment Officer of GSAM’s equity team worldwide. In 2009, Ms. Rominger took on the newly-created role of CIO responsible for GSAM’s core portfolio teams, including Fixed Income, Equity and Quantitative Strategies. Ms. Rominger was also a member of GSAM’s Risk Committee as well as other internal managerial groups. Late in 2008, Ms. Rominger assumed the leadership of the Investment Committee of the Goldman Sachs Foundation. Prior to joining GSAM, for almost 20 years Ms. Rominger was the portfolio manager for equity mutual funds and other client accounts at Oppenheimer Capital, where she also served on the Executive Committee. Ms. Rominger is a Member of the Board of Trustees of Fairfield University and is a past Board member of the Brooklyn Bureau of Community Service, one of New York City’s largest public service organizations. Ms. Rominger holds an M.B.A. from the Wharton School of the University of Pennsylvania and a B.A. in English from Fairfield University. Now residents of Washington, D.C., Ms. Rominger and her husband formerly lived in Brooklyn for 30 years and raised 4 children there.

Stephen E. RothPractice Group Leader, Sutherland

Steve Roth is the Practice Group Leader of Sutherland’s Financial Services Practice Group, where he focuses his practice on securities and insurance regulatory matters for financial services clients. Steve advises life insurance companies on the development, marketing and distribution of new insurance and annuity products, including registration

of variable and fixed life and annuity contracts with the U.S. Securities and Exchange Commission (SEC). He also has extensive experience in the development and regulation of pooled investment vehicles, including mutual funds, other regulated investment companies and hedge funds. In addition, Steve has extensive experience with regulatory and compliance issues for investment advisers and broker-dealers.

Brian L. RubinPartner, Sutherland

Brian is a partner in Sutherland Asbill & Brennan’s Washington, DC, office where he represents firms and individuals being examined, investigated and prosecuted by the U.S. Securities and Exchange Commission, FINRA and states. He also represents securities clients in litigation and arbitrations, and counsels them on regulatory

and compliance matters. Before joining Sutherland, Brian was Deputy Chief Counsel with the NASD’s Enforcement Department, where he managed attorneys and examiners in the Washington, D.C., home office and in the district offices. Previously, Brian was Senior Counsel in the SEC’s Division of Enforcement. Brian has been named to The Best Lawyers in America in the area of securities law. In addition, he received the Burton Award for writing an article about litigating against NASD. Brian is on the Board of Advisors of the SEC Historical Society, and he is on the Boards of the following publications: Practical Compliance and Risk Management for the Securities Industry; Securities Law360; Journal of Securities Law, Regulation & Compliance; and the Journal of Investment Compliance. Brian received his J.D. and his M.A. in Economics from Duke University. He also graduated cum laude from the Wharton School of Business of the University of Pennsylvania.

Michael RufinoChief Operating Officer, FINRA Member Regulation Sales Practice

Mr. Rufino is presently the Chief Operating Officer of Member Regulation Sales Practice responsible for overseeing FINRA’s Sales Practice program including the Membership Application Process. Prior to serving in this capacity, Mr. Rufino worked in FINRA’s Financial/Operational (FinOp) programs for ten years. Mr. Rufino has been involved in

various industry initiatives throughout his career including being a member of the Continuing Education (CE) Council and assisting in the creation of Electronic Communications Guidance to the industry and now more recently as a member of the Social Networking Task Force. Mr. Rufino currently represents FINRA on several industry committees, including the Bank Secrecy Act Advisory Group (BSAAG), and the BSAAG sub-committees on Securities/Futures, SAR Reporting and SAR Review. He has also participated in the Financial Action Task Force’s (FATF) initiative on creating guidance on the risk based approach to the prevention of money laundering and terrorist financing as part of the working group undertaking this initiative as well as the recent FATF Typology on the Securities Industry. He is a member of FINRA’s Compliance Advisory Committee, Complaints Initiative Group and is the Chairman of the Options Self-Regulatory Council. Mr. Rufino graduated magna cum laude from Iona College with a degree in finance, and received his MBA with honors in management information systems from Iona.

31www.irionline.org

Preston RutledgeTax and Benefits Counsel, Republican Tax Staff, Senate Finance Committee

Preston Rutledge serves as Tax and Benefits Counsel on the Republican Tax Staff of the Senate Finance Committee, focusing on employee benefits, employment taxation and tax-exempt organizations. Prior to joining the Finance Committee, Preston served on the Headquarters Staff of the Tax Exempt and Government Entities Division of the Internal Revenue Service. Preston also worked in the IRS Office of Chief Counsel, and in private law practice as an employee benefits counselor and litigator. Preston was a law clerk on the U.S. Court of Appeals for the Fifth Circuit, and he served as an Officer in the U.S. Navy before attending law school. Preston earned his B.S. in Finance, cum laude, from the University of Idaho; J.D., with high honors, from the George Washington University School of Law, where he was a member of the Law Review; and L.L.M. –Taxation, with distinction, from the Georgetown University Law Center.

Douglas J. ScheidtAssociate Director and Chief Counsel, Division of Investment Management, U.S. Securities and Exchange Commission

Formerly, Associate Director (Compliance, Financial Analysis, Public Utility and Investment Company Regulation) and Assistant Director, Office of Enforcement Liaison, Division of Investment Management, U.S. Securities and Exchange Commission; Vice President and Associate General Counsel, The Boston Company Advisors, Inc; Attorney, Kirkpatrick & Lockhart; Special Counsel, Office of the General Counsel, U.S. Securities and Exchange Commission; Law Clerk to the Hon. Martin D. Van Oosterhout, United States Court of Appeals for the Eighth Circuit.

William R. SchulzVice President, Litigation, Jackson National Life Insurance Company

William (Bill) R. Schulz joined Jackson National Life Insurance Company’s Legal Department in December 2006 as a Vice-President responsible for anticipating and managing litigation against the Company and its affiliates. Bill before joining Jackson was a trial lawyer for more than 28 years and a partner in a Michigan law firm. Bill received his law degree from the University of Illinois College of Law in Champaign-Urbana, Illinois.

Katherine SchulzeVice President & Associate General Counsel, AEGON

Katherine Schulze is a Vice President and Associate General Counsel and has been with the AEGON/Transamerica group of companies for 17 years. She is primarily responsible for overseeing regulatory matters involving SEC-registered entities, and the companies’ internal compliance audit function, which reviews the procedures and practices of the companies’ insurance, broker-dealer, transfer agent, investment adviser and investment companies’ operations

for compliance with applicable laws and regulations. Ms. Schulze was a Senior Counsel in the Enforcement Division of the Securities and Exchange Commission (SEC) from 1990 - 1994 and a trial attorney and Associate General Counsel with the Department of Justice from 1987-1990. She is licensed to practice law in Michigan, Illinois, Maryland and the District of Columbia.

Roger Sevigny Insurance Commissioner, New Hampshire Insurance Department

Commissioner Roger Sevigny leads a staff of 81 employees, and is a very active member of the National Association of Insurance Commissioners (NAIC). He is currently the past president of the NAIC, chair of the SVO (EX) Working Group, chair of the Market Regulation and Consumer Affairs (D) Committee, member of the Government

Relations Leadership Council, member of the International Insurance Relations Leadership Group, member of the Producer Licensing (EX) Task Force, member of the Regulatory Modernization (EX) Task Force, member of the Solvency Modernization Initiative (EX) Task Force, member of the Internal Administration (EX1) Subcommittee, member of the Information (EX1) Task Force, member of the Health Insurance and Managed Care (B) Committee, member of the Regulatory Framework (B) Task Force, member of the Senior Issues (B) Task Force, member of the Antifraud (D) Task Force, member of the Accounting Practices and Procedures (E) Task Force, member of the Examination Oversight (E) Task Force, member of the Reinsurance (E) Task Force, member of the Valuation of Securities (E) Task Force, member of the NAIC/State Government Liaison Committee, and a member of the NIPR (National Insurance Producer Registry) Board of Directors. Prior to his appointment as commissioner he held the position of assistant commissioner of New Hampshire Insurance Department. Before joining the Insurance Department, he was an employee of Travelers Insurance for more than 30 years, serving in a variety of technical and management positions. Mr. Sevigny holds a Bachelor of Arts degree in biology from St. Anselm College, Manchester, New Hampshire. He is also a commissioned officer in the United States Army, having retired at the rank of Colonel.

Mark Smith Partner, Sutherland

Since 1981, Mark Smith, a member of Sutherland’s Tax Practice Group, has advised clients on tax, Employee Retirement Income Security Act (ERISA) and other issues related to retirement, executive compensation, insurance, cafeteria and other employee benefit plans. He is engaged on behalf of insurance companies, broker-dealers,

investment advisers and managers, banks, consulting firms, other service providers and plan sponsors for a range of consulting,



transactional, regulatory and litigation matters. He is also proficient in the taxation of corporate and nonqualified insurance products, including corporate- and bank-owned life insurance (COLI/BOLI) policies. From 1999 to 2007, Mark served as Partner-in-Charge of Sutherland’s Washington, D.C., office and as firmwide Executive Partner. Before joining the firm, Mark served as a law clerk for the Honorable Clement Haynsworth, Chief Judge of the U.S. Court of Appeals for the Fourth Circuit.

Ethan A. SonnichsenDirector, Government Relations, National Association of Insurance Commissioners

Ethan Sonnichsen is the Government Relations Director for the National Association of Insurance Commissioners (NAIC). Ethan oversees the activities of the NAIC’s Washington office and works with state insurance regulators to develop policy and advocacy strategies on state, federal, and international issues affecting insurance.

Ethan also coordinates the Washington office’s outreach to Congress, federal and international financial regulators, and state Governors, legislators and officials. Prior to this role, Ethan served as the NAIC’s Government Relations Policy and Legislation Manager, and previously as Policy and Legislation Analyst on property/casualty and financial regulation issues. Before joining the NAIC in February 2006, Ethan worked on international risk management and financial reporting issues for the American Academy of Actuaries. Prior to the Academy, he served as the political action committee administrator and legislative assistant for Viacom, a large media conglomerate. Ethan received a B.S. in Management and Information Systems from the University of Maryland University College and lives in Kensington, Maryland.

Christopher SpragueVice President and Corporate Counsel, Prudential Financial

Christopher Sprague has been Vice President and Corporate Counsel with Prudential Financial since 1994. At Prudential, Mr. Sprague specializes in product development, compliance, and distribution issues for variable annuities and mutual funds. Prior to 1994, Mr. Sprague was Senior Counsel in the SEC’s Division of Investment Management, where he worked on a variety of issues under the Investment Company Act and the Investment Advisers Act. Mr. Sprague earned his undergraduate degree at Yale University and his law degree at New York University.

Phillip StanoPartner, Sutherland

Phillip Stano is a partner in Sutherland’s Financial Services Litigation Practice Group. He focuses his practice on complex class action, market conduct, financial services litigation and counseling, and government relations. He is currently lead counsel in dozens of class action and other cases in state and federal courts nationwide. Phillip

regularly represents annuity, life, long-term care, health, title, and

property and casualty insurers in “bet-the-company” litigation. He previously served as chief litigation counsel at the American Council of Life Insurers (ACLI), where he filed more than 350 briefs on significant issues affecting insurers marketing life, annuity, disability, long-term care and health insurance products. Beyond litigation responsibilities, Phillip organized and directed ACLI’s class action, state tort/judicial reform, insurer legal privileges, arbitration and insurance anti-fraud legislative reform efforts. Prior to ACLI, he was Assistant Attorney General and General Counsel of the Alabama Insurance Department, where he litigated numerous civil matters at the trial and appellate levels. Phillip is a frequent speaker on insurance matters. He has published numerous insurance articles and has lectured before the American Bar Association, National Association of Insurance Commissioners, Association of Life Insurance Counsel, National Organization of Life and Health Insurance Guaranty Associations, America’s Health Insurance Plans, and American Council of Life Insurers.

Steuart Thomsen Partner, Sutherland

Steuart Thomsen, a member of Sutherland’s Litigation Practice Group and the Washington Office Leader of Sutherland’s Litigation Group, concentrates his practice in complex business litigation and has represented clients, including many in the financial services industry, in a wide variety of matters in federal and state courts. Steuart has

represented and counseled clients in connection with insurance litigation, Employee Retirement Income Security Act (ERISA) litigation, classactions, tax litigation, intellectual property litigation (including at the International Trade Commission), false advertising claims, contract and other commercial disputes, securities fraud cases and Administrative Procedure Act challenges. He also advises clients in the pre-litigation phase of disputes in an effort to avoid or prepare for potential litigation. Prior to joining the firm, Steuart served as a law clerk to the Honorable Joseph H. Young of the U.S. District Court for the District of Maryland.

Kathy VanNoy-PinedaExecutive Vice President & Chief Compliance Officer, Brokerage Compliance, LPL Financial

Kathy VanNoy-Pineda joined LPL Financial in 2008 and serves as executive vice president of brokerage compliance and brokerage chief compliance officer. In this role, she is directly responsible for surveillance, branch exams, compliance education and communication, and ERISA compliance. Prior to joining LPL Financial, Ms. VanNoy-Pineda

worked for Citigroup as a director of compliance education and global wealth management. Her responsibilities included designing and executing compliance education programs for 38,000 staff members (including 25,000 securities registered) in global wealth management. She also headed early dispute resolution for Smith Barney. Earlier, Ms. VanNoy-Pineda worked for TIAA-CREF for 18 years, including the roles of chief compliance officer for sales and

33www.irionline.org


client services and chief compliance officer for individual investments and insurance products. She was a financial advisor before beginning her compliance career. Ms. VanNoy-Pineda holds a Bachelor of Arts in communication from Central College of Iowa and a J.D. from St. John’s University School of Law, and she is admitted to the practice of law in New York. She has served on various FINRA and MSRB industry working groups and is a long-time member, speaker, and past board chair of the National Society of Compliance Professionals.

Robert H. WattsConsultant, Former CCO, John Hancock Financial Services, and FINRA Arbitrator

Robert H. Watts is currently a consultant. He was previously Senior Vice President and Chief Compliance Officer of the John Hancock Life Insurance Company, which included compliance responsibilities for Signator Investors, Inc. (the retail broker-dealer), John Hancock Funds, Inc. (the wholesale broker-dealer) and Essex National Securities,

Inc. (the third-party broker-dealer). While at John Hancock, Mr. Watts was also responsible for the Office of Business Conduct, which focused corporate emphasis on ethical and market conduct issues, especially, that all products were distributed in compliance with applicable rules and regulations throughout the John Hancock Financial Services complex. Mr. Watts recently finished serving as Chairman of the Securities Industry/Regulatory Council on Continuing Education and is currently a member of the FINRA Independent Dealers/Insurance Affiliated Member Committee and the FINRA Board of Arbitrators. Mr. Watts is Past Chairman of the Life Insurance Marketing Research Association (LIMRA) Financial Products Committee and former Vice Chair of the FINRA District 11 Business Conduct Committee. Mr. Watts has spoken before many industry and regulatory groups including: SEC Division of Investment Management, FINRA Annual and Advertising Regulation Conferences, NASAA Annual Training Meeting. Mr. Watts has been a main platform speaker at the International Twenty-Five Million Dollar Forum. He is a graduate of Boston University, the Tuck Executive Program of Dartmouth College and the Indiana University Executive Management Program.

Catherine J. WeatherfordPresident and CEO, IRI

Catherine Weatherford is the President and CEO of the Insured Retirement Institute (IRI), the leading not-for-profit organization educating Americans on the importance of retirement planning, including the growth, acceptance and understanding of annuity and variable life products. Weatherford led the association through an extensive and

successful rebranding over the last two years, bringing in more

than 70,000 financial advisors as members. As a result of her leadership and accomplishments, Weatherford was selected as one of the nation’s top association executives for 2010, joining the ranks of 20 elite leaders that were selected from hundreds of candidates. Distinguished as a thought leader on issues related to retirement security, Weatherford was invited to participate in the inaugural meeting of the Aspen Institute Initiative on Financial Security in historic Wye River, Maryland in the Fall of 2010. In addition, she is a member of the U.S. Chamber’s Association Committee of 100, as well as the Exchequer Club, the preeminent forum in Washington, D.C. for national economic and financial policy. Referred to as the “primary trade association for annuities” by U.S. News & World Report, as well as “the annuity industry’s main trade group” by National Underwriter, IRI has quickly become the go-to source for the media and a trusted supplier of high-quality research, education and much more. Prior to joining IRI, Weatherford served for 12 years as CEO of the National Association of Insurance Commissioners. Weatherford was also the first woman to serve as Oklahoma’s Insurance Commissioner — a position she held from 1991-1995 after serving as a senior policy advisor to Oklahoma Governor David Walters. Weatherford began her career serving in several capacities in her 13-year tenure at the Oklahoma Insurance Department.

Wade A. WengerAssistant Vice President – Division Compliance Officer, Transamerica Life Insurance Company

Wade Wenger joined Transamerica in 2008 and serves as Compliance Officer within their Individual Savings and Retirement Division. He supports the division’s sales, marketing and administration of fixed, indexed and variable annuities. Most recently Wade has lead Transamerica’s efforts to implement new annuity training delivery and tracking

systems in response to recently revised state annuity suitability regulations. Prior to joining Transamerica, he served 18 years in a variety of compliance roles for CUNA Mutual Insurance Society. During that time he provided compliance support for Life, Health, Long Term Care Insurance and Annuity products. Wade is a graduate of Wartburg College with a B.A. in Business Administration.


Attendee List (as of 06/17/11)

Ruthie AckermanFinancial Planning

John AerniPartnerDewey & LeBoeuf LLP

Dwain AkinsSenior Vice President Corp Affairs, Chief Compliance OfficerAmerican National Insurance Company

Doug AllenDirector, Corporate ComplianceNationwide Financial

Tiffinnie AlstonBusiness Analyst Risk ManagementPrudential Financial

Karen AlvaradoVice President of Regulatory Affairs & ComplianceIRI

Bruce Ashton, EsqDrinker Biddle & Reath LLP

Richard BabineauVice President, Product ManagementBroadridge Financial Solutions Inc.

Joanna BelbeyThe BGK Group-Financial Training

Frederick BellamyPartnerSutherland

J. Bradley BennettExecutive Vice President & Chief of EnforcementFINRA

Lisa BennettVice President, Global CommunicationsPrudential Financial

Nicholas Berardis Jr.Compliance ManagerPrudential Annuities Distributors, Inc.

Bernadette BergerSecond Vice President Government RelationsAllianz Life Insurance Company

William BergerExaminerFINRA

Arnold BergmanVice President and Chief Counsel - AnnuitiesJohn Hancock Financial Services, Inc.

Jason BerkowitzDirector and Counsel, Regulatory AffairsHartford Life, Inc.

Thomas BissetPartnerSutherland

John BlouchOf CounselDrinker Biddle & Reath LLP

Sonya BonnettDirector, Variable Annuity ServicesMidland National Life Insurance Co.

Christopher BoreySr. Compliance Analyst - RIS Compliance - AnnuitiesPrincipal Financial Group

Tonia BottomsDirector & Managing CounselPershing LLC

Jennifer BowlesSenior Insurance Compliance AnalystSymetra Financial

Hazel BradfordWashington ReporterPensions & Investments

Jason BradshawSr. Variable Compliance ConsultantSammons Financial Group

Steven BrancatoDeputy General CounselSunAmerica Retirement Markets, Inc.

Stephanie BrownManaging Director, General CounselLPL Financial

Paula BurkeSenior Compliance SpecialistRaymond James Financial Services

Susan CarosiVice President, CompliancePrudential Financial

Katherine CarterAssistant CounselOhio National Financial Services

John CastellyVice PresidentMorgan Stanley Smith Barney

Joel ChakranarayanBusiness Services SpecialistIRI

Traci ChatmanAssistant Director-Suitability ReviewO.N. Equity Sales Company (ONESCO)

Ying ChenVice President, Product ManagementBroadridge Financial Solutions Inc.

Megan ClaypoolVice President Compliance and Senior CounselAviva Life and Annuity Company

Mark CostleyPartnerDrinker Biddle & Reath LLP

J. Lee Covington IISenior Vice President & General CounselIRI

Vincent CrinitiWealth Management OversightJanney Montgomery Scott, LLC

Karen CrooksManager, Product ComplianceOneAmerica Financial Partners, Inc.

35www.irionline.org

Attendee List (Continued)

Raul CuervoPartnerJorden Burt LLP

John CunninghamCompliance ManagerFidelity Investments Life Insurance Company

Teresa DamicoSeparate Accounts - Compliance Mgr.Ohio National Financial Services

Pramit DasAssistant Director, Advertising Regulation DepartmentFINRA

Sandra DavisCounselHartford Life, Inc.

Carlo di FlorioDirector, Office of Compliance, Inspections and ExaminationsU.S. Securities & Exchange Commission

Angelina DietzCBSI Manager of Field ComplianceCUNA Brokerage Services, Inc.

Kat DormanDirector of ConferencesIRI

Steven DriggersCorporate CounselFarmers Life & Farmers Financial Solutions

Sara DubskyOperations ManagerInterstate Insurance Product Regulation Commission

Bill DuncliffeSales DirectorBroadridge Financial Solutions Inc.

Bruce DunneOf CounselDrinker Biddle & Reath LLP

Laura ElizardoHost Senior Compliance ManagerCapital Group Companies

Pamela EllisCounselSutherland

Linda ElstonSenior Contract AnalystRiverSource

Joseph EmanuelChief Legal Officer, Prudential AnnuitiesPrudential Financial

William EversVice President & CounselAXA Equitable

Stephanie FarabowAVP & Senior CounselLincoln Financial Group

Anne FarinaAVP & Senior CounselSun Life Financial

Andrew FavretAssociate Vice President and Regional Chief CounselFINRA

John FeeneyVice President, External AffairsPrudential Financial

Rita FenaniCompliance ManagerPacific Life Insurance Company

Kevin FinneganAssociate General Counsel, Head of Corporate and International Litigation Practice GroupMetLife

Elizabeth FlandersAssistant CounselMetLife

Richard FletcherAssistant Director, Service Operations ComplianceHartford Life, Inc.

Margaret (Peggy) FoxExecutive Vice President, General CounselRegEd

Ron FunariWealth Management OversightJanney Montgomery Scott, LLC

Ann FurmanPartnerJorden Burt LLP

Roman GabrielVice President, External AffairsPrudential Financial

Julie GackenbachPrincipalConfrere Strategies

Bernard GaconaSVP, Director of AnnuitiesWells Capital Management

Paul GallagherVice President and Counsel, Litigation and Employment LawJohn Hancock Financial Services, Inc.

Scott GallagherKEANE

Aoife GametCompliance AnalystLPL Financial

Kristin GemskiAVP & CounselAXA Equitable

Joseph GeorgeAssociate Supervisor, Advertising RegulationFINRA

Karen GivensProduct Review ConsultantInterstate Insurance Product Regulation Commission

Randi GordonVice PresidentDTCC (Depository Trust & Clearing Corporation)

John GoselinChief Litigation CounselCetera Financial Group


Roland GossPartnerJorden Burt LLP

William GottliebAssistant Vice President and Senior CounselJohn Hancock Financial Services, Inc.

Keith GrindstaffLead CounselGreat-West Life and Annuity Insurance Company

Brian Hansen2nd Vice President & Associate General CounselNorth American Company for Life and Health Insurance

Brian HansenSammons Financial Group

Bernadette HarriganAVP & CounselMassMutual Financial Group

Gene HarshawNationwide Financial

Judith HasenauerPrincipalBlazzard & Hasenauer, P.C.

William HasenauerPrincipalBlazzard & Hasenauer, P.C.

Amanda HawleySenior Vice President & Associate CounselLPL Financial

Nancy HillAssistant Vice President, CompliancePacific Life Insurance Company

Matthew HoffmanCompliance CounselEdward Jones

Danielle HollandVice President of Communications & ResearchIRI

Stephen HortonAssociate General CounselState Farm Life Insurance Company

Paul HowellDeputy General CounselING America Equities, Inc.

Mark IwrySenior Advisor to the Treasury Secretary and Deputy Assistant Secretary for Retirement & Health PolicyU.S. Department of Treasury

Janet JohnstonAnnuity Compliance AnalystCUNA Mutual Insurance Society

James JordenSenior Managing PartnerJorden Burt LLP

Kathryn JurusParalegalSymetra Financial

Michele KemperVice President, Chief Compliance OfficerSymetra Financial

Richard KetchumChairman & CEOFINRA

Holly KinnamonPrincipalChessonKinnamon Group

Keri KishAntifraud CounselNational Association of Insurance Commissioners

Gary KleinEVP, Deputy General CounselLPL Financial

P. Yvette KnottDirector, Annuity OperationsNationwide Financial

Lawrence KosciulekDirector, Investment Companies RegulationFINRA

William KotapishAssistant Director, Division of Investment ManagementU.S. Securities & Exchange Commission

Allison KuehnerCommunications & Marketing SpecialistIRI

Joanne KulaThe BGK Group-Financial Training

Marla LaceyChief Compliance OfficerAmerican Equity Investment Life Insurance Co.

Alison LasiewskiAssociate Director, E-LearningFINRA

Brian LearyVP Chief Compliance OfficerFidelity Investments Life Insurance Company

Kevin LehmanVP Business DevelopmentING Annuity and Asset Sales

Anna LeistAssociateDrinker Biddle & Reath LLP

Jackie LindahlCompliance ManagerRiverSource

John LittleCOO and SVP of Federal AffairsIRI

Mark LivesayVice President, Corporate CounselPrudential Financial

Thomas LoftusAVP & Senior CounselJohn Hancock Financial Services, Inc.

Kristine Lord-KrahnSenior CounselAllianz Life Insurance Company

Chip LundePartnerJorden Burt LLP

Lorna MacLeodSenior CounselDewey & LeBoeuf LLP

37www.irionline.org


Lana MacumberDirector - Strategy & Business DevelopmentDTCC (Depository Trust & Clearing Corporation)

Linda MahaffeySenior Vice PresidentSymetra Financial

Anthony MaherSupervisor, Advertising RegulationFINRA

Roanne MartinezVP, Annuity ProductsFirst Allied Financial Services Group

Beth MaziadVice PresidentRaymond James Insurance Group

Libby McDonaldAssistant Vice President, Annuities ComplianceJohn Hancock Financial Services, Inc.

Joseph McKeeverPartnerDavis & Harman LLP

Evelyn MorganDirector, Contract AdministrationNationwide Financial

Michael MoserVice President & Chief Compliance OfficerWestern & Southern Financial Group

Jim MuhlenbruchCounselState Farm Life Insurance Company

James MumfordFirst Deputy Insurance Commissioner and Securities AdministratorIowa Division of Insurance

Susan NashAssociate Director, Division of Investment ManagementU.S. Securities & Exchange Commission

Nicole NicholsLegislative and Regulatory SpecialistIRI

Paul NowakPresidentLansare Corporation

Raymond O’HaraVice President, Corporate CounselPrudential Financial

John OlsenChief Compliance OfficerMorgan Keegan & Company

Victoria OlsonDirector, CompliancePrudential Annuities Distributors, Inc.

Angela PaceChief Operating OfficerRegEd

Thomas PappasVP and Director, Advertising RegulationFINRA

Shaunda Patterson-StrachanPartnerJorden Burt LLP

Michelle PetersenDirector of Sales Supervision & AdministrationAllianz Life Insurance Company

Christopher PetitoPartnerDewey & LeBoeuf LLP

Doug PhelanDirector L/H Contracts and ComplianceState Farm Life Insurance Company

David PickettAVP & Senior CounselJohn Hancock Financial Services, Inc.

Jeffrey PierickCounsel - Law DepartmentPrincipal Financial Group

Patrice PittsCounselSutherland

Michael PouliotSenior Vice President, SalesRegEd

Joseph PriceSenior Vice President, Advertising Regulation/Corporate FinancingFINRA

Wendy ProchaskaOperations ManagerNorthwestern Mutual

Alan ProchoroffEditor & PublisherInsurance Compliance Insight

Jeffrey PuretzPartnerDechert LLP

Cassie RamirezBusiness Services SpecialistIRI

Scott ReganVice PresidentKEANE

Fred Reish, EsqDrinker Biddle & Reath LLP

Suzanne RichardsPresidentFPC of Fort Washington (Fortune Consultants)

Robin RileyAdvertising Sales ManagerSourceMedia

Holly RogersParalegalFarmers Life & Farmers Financial Solutions

Eileen RomingerDirector, Investment Management DivisionU.S. Securities & Exchange Commission


Nadine RosinDirectorMassMutual Financial Group

Stephen RothPartnerSutherland

Julie RuetherVice President and Chief Compliance OfficerRiverSource

Michael RufinoChief Operating Officer, Member Regulation Sales PracticeFINRA

Thomas SamolukVice President & Counsel, Government RelationsJohn Hancock Financial Services, Inc.

Lawrence SamplatskyVP & Chief Counsel - AnnuitiesLincoln Financial Group

Trina SandovalSenior CounselMetLife

Stuart SchagrinVice President- Operational Risk & ControlsFidelity Investments Life Insurance Company

Douglas ScheidtAssociate Director & Chief CounselU.S. Securities & Exchange Commission

Joe SchleppiManaging CounselNationwide Financial

Pamela SchmidtAVP & Senior CounselJohn Hancock Financial Services, Inc.

William SchulzVice President, LitigationJackson National Life

Karen SchutterExecutive DirectorInterstate Insurance Product Regulation Commission

Jennifer SendorAssistant General CounselNew York Life Insurance Company

Linda SenkerChief Compliance Officer - Retirement SolutionsGuardian Insurance & Annuity Co.

Roger SevignyInsurance Commissioner-State of New HampshireNew Hampshire Insurance Department

Kristin ShepardPartnerJorden Burt LLP

Kali SimonMember Services SpecialistIRI

Ethan SonnichsenDirector of Government RelationsNational Association of Insurance Commissioners

Guy StanzioneCompliance Services DirectorMerrill Corporation

Scott StolzPresidentRaymond James Insurance Group

Juanita ThomasSenior Assistant General CounselZurich American Life Insurance Company

Rhonda ThomasonAnnuity Suitability ManagerJackson National Life

Joe ThomsonPresident and CEOPacer Advisors, Inc

Chad TopePresident, ING Annuity and Asset SalesING

Kelly UllomVice President/Chief Compliance OfficerKansas City Life Insurance Company

Linda UlrichState Relations Consultant, Assistant Vice PresidentLincoln Financial Group

Kathy VanNoy-PinedaExecutive Vice President, CCO, Institutions Services ChannelLPL Financial

Rodney VesselsVice President and Group CounselRiverSource

Richard VynalekDirector, Global Annuity ComplianceHartford Life, Inc.

Mike WalkerSenior Vice President - Risk ManagementWells Fargo Company

Donald WaltersPresident & CEOCEFLI (Compliance & Ethics Forum for Life Insurers)

Nelvia Washington RentSenior Contract AnalystOneAmerica Securities, Inc.

Robert WattsConsultantThe BGK Group-Financial Training

Wendy WaugamanCEO & PresidentAmerican Equity Investment Life Insurance Co.

Catherine WeatherfordPresident and CEOIRI

Wade WengerDivision Compliance Officer - TCMAEGON Insurance Group

Charles WhitesAssociate General CounselNew York Life Insurance Company

Tim WhitingGroup PublisherFinancial Planning

Stanley WilsonReporterFund Action

Mary Jane Wilson-BilikPartnerSutherland

39www.irionline.org


Pam WitaschekCorporate Education ConsultantCollege for Financial Planning

Notes

Matthew WoldinManager, Annuity and Insurance ServicesVanguard Group, Inc.

David ZybleAssistant Vice President, Government RelationsJackson National Life


Notes

www.irionline.org

SUTHERLAND ASBILL & BRENNAN LLP www.sutherland.com

Sutherland’s nationally recognized Financial

Services Practice offers comprehensive legal

services provided by a team of experienced

attorneys who understand your business and the

shifting regulatory landscape. More than 150 of

our lawyers devote their time to achieving business

objectives and solving problems for our insurance

and other financial services clients.

Whether your company’s needs relate to product

development, regulatory compliance, class

action litigation, corporate governance, finance,

acquisitions, tax, investments or enforcement

matters, Sutherland’s focused approach can help

you achieve your goals.

For more information, please contact Stephen E. Roth

at 202.383.0100 or [email protected].

Documents

Final Program (Final)