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2018 Academic Forum Speaker Information

Drew Carrington

Head of Institutional Defined Contribution
Franklin Templeton Institutional, LLC

Drew Carrington is a Senior Vice President, and leads Franklin Templeton's defined contribution business within the U.S. institutional large market segment. His responsibilities include presenting the firm's capabilities to existing and prospective DC clients and their consultants, as well as understanding and communicating the complex, evolving regulatory landscape of DC plans. Prior to joining Franklin Templeton in 2013, he served as head of the Defined Contribution and Retirement Solutions Group at UBS Global Asset Management, focused on developing investment solutions for large DC plans, particularly in the target date and retirement income categories. He joined UBS in 2005, as a senior fixed income client portfolio manager for UBS, where he worked closely with their Asset-Liability Investment Solutions team to design and implement the fixed income and duration overlay portions of asset-liability management strategies. Before joining UBS, he was a principal at Mercer Investment Consulting, where he worked with both public and private DB and DC clients. He began his career in the financial services industry in 1988.

Mr. Carrington is former chair of the Retirement Income Committee and current member of the Retirement Research Board of the Defined Contribution Institutional Investment Association (DCIIA), a nonprofit association dedicated to enhancing the retirement security of American workers. He is a frequent speaker at DC industry conferences on retirement income, diversification opportunities and risk mitigation. Mr. Carrington holds Chartered Financial Analyst (CFA) and Chartered Alternative Investment Analyst (CAIA) designations, is Series 7 and 63 licensed and holds a bachelor of arts from Harvard University.

Dr. Joseph Coughlin,

Founder and Director
Massachusetts Institute of Technology (MIT) AgeLab

Joseph F. Coughlin, Ph.D., is founder and Director of the AgeLab at the Massachusetts Institute of Technology. His research seeks to understand the impacts of global demographic change, social trends and technology on consumer behavior, innovations in business, and public policy. Dr. Coughlin teaches in MIT's Department of Urban Studies & Planning and the Sloan School's Advanced Management Program. He is the author of The Longevity Economy: Inside the World's Fastest Growing, Most Misunderstood Market, and is a regular contributor to Forbes. He is currently at work on a new book about the future of retirement. A researcher, teacher and speaker, Dr. Coughlin is a frequent guest on news programs; his work has been featured in both print and on television, including ABC, BBC, CBS, CNN, NBC, News Asia, The Economist, Financial Times, The Times, The New York Times, The Wall Street Journal and other media outlets throughout the world.

Brent J. Davis, Ph.D.

TIAA Institute

Brent Davis is a research economist at the TIAA Institute. His research interests include behavioral economics, behavioral finance, and household financial security. He has several published papers, primarily in behavioral economics. One of his current research projects examines how households plan to pay for out-of-pocket medical expenses in retirement. Before joining the Institute, he spent several years as a postdoctoral researcher and lecturer in the Department of Public Finance at the University of Innsbruck in Austria. He has taught several courses in economics, including law and economics, experimental economics, and intermediate microeconomics. He is a member of the American Economic Association and the American Risk and Insurance Association. He earned an M.S. and a Ph.D. in economics from Florida State University, and a B.S. in mathematics and economics from St. Lawrence University.

Dr. Michael Finke

Chief Academic Officer
The American College of Financial Services

Dr. Michael Finke, CFP®, is Chief Academic Officer at The American College of Financial Services. He joined The College in June 2016, having served since 2006 as a professor and PhD coordinator in the Department of Personal Financial Planning at Texas Tech University. From 1999 through 2006, he served as the director of graduate studies at the University of Missouri.

Dr. Finke is a nationally renowned researcher with a focus on the value of financial advice, financial planning regulation, investments and individual investor behavior. He was named to the 2012 Investment Advisor IA 25 list and the 2013 and 2014 Investment News Power 20. His research conducted with The American College professor, Wade Pfau, questioning the 4% rule was published in the Journal of Financial Planning and won the 2014 Montgomery-Warschauer award for the most influential article in the publication. He had previously won the award with Thomas Langdon in 2013. He was also selected to present his research on financial literacy and aging at the 2015 MIT Center for Finance and Policy Conference.

Dr. Finke has published more than 50 peer-reviewed articles and is widely quoted in many of the nation’s leading consumer publications, including The Wall Street Journal, The New York Times, Time, and Money Magazine. Dr. Finke also writes the monthly Finke on Finance feature column for Research Magazine, in which he applies research to help professionals understand timely industry topics. He also worked on white paper research projects for companies that include MetLife, Northwestern Mutual, OneAmerica, the Society of Actuaries and TIAA. Dr. Finke served as president of the American Council on Consumer Interests, is currently a contributing editor to Research Magazine, and is the former editor of the Journal of Personal Finance.

Dr. Finke received a doctorate in consumer economics from The Ohio State University in 1998 and in finance from the University of Missouri in 2011, and his CFP® in 2006.

Gopi Shah Goda

Stanford Institute for Economic Policy Research, Stanford University

Gopi Shah Goda is a Senior Fellow and the Deputy Director at the Stanford Institute for Economic Policy Research (SIEPR) at Stanford University. Gopi is also a Faculty Research Fellow at the National Bureau of Economic Research, and a Fellow of the Society of Actuaries.

She conducts research on issues primarily related to the economics of aging in the United States that inform economic policymaking. Her recent research studies include an examination of perceptual and behavioral biases and their relationship with retirement saving decisions and the effects of long-term care insurance on family members’ work and location decisions. Her work has appeared in a variety of leading economics journals, and has been supported by the Social Security Administration, the National Institutes on Aging, the Alfred P. Sloan Foundation and the TIAA Institute.

Prior to joining SIEPR, she was a Robert Wood Johnson Scholar in Health Policy Research at Harvard University. She earned her PhD in economics from Stanford University in 2007 and her B.S. in mathematics and actuarial science from the University of Nebraska – Lincoln in 2000.

Andrea Hasler

Assistant Research Professor in Financial Literacy
Global Financial Literacy Excellence Center (George Washington University)

Andrea Hasler is an Assistant Research Professor in Financial Literacy at the Global Financial Literacy Excellence Center (GFLEC) at the George Washington University School of Business. With her research, which is dedicated to financial literacy and capability, she seeks to inform policy as well as develop and promote financial literacy programs. At GFLEC, she leads the team of researchers working on financial literacy and capability and develops analyses for educational and policy initiatives. Hasler has recently worked on projects focused on financial literacy levels of the young, women, entrepreneurs, investors, and minorities in the U.S. and around the world. She also has expertise in financial fragility among U.S. households. Additionally, Hasler serves as a member of the Research Sub-Committee of the National Steering Committee on Financial Literacy to inform the implementation of Canada’s National Strategy for Financial Literacy. She holds a Ph.D. in Finance as well as an M.Sc. and B.A. in Business and Economics from the University of Basel. During her doctorate, she spent two years at the New York University Stern School of Business conducting research on household saving and financial decision making. Moreover, she has been a lecturer at the University of Basel for six years. Her professional experience includes the development of an online advanced studies course in financial market theory and work as an analyst conducting global equity market research.

Abigail Hurwitz

Post-doctorate Visiting Scholar
Wharton School of the University of Pennsylvania

College of Management Academic Studies, Israel and
Hebrew University of Jerusalem

Abigail is a Post-doctorate visiting scholar at the Wharton school and a lecturer at the College of Management Academic Studies, Israel and The Hebrew University of Jerusalem. Her research is dedicated to long term saving, consumption and annuity choices. She seeks to improve our understanding of financial behavior and to influence the policy setting which derives from it, as well as to develop and promote new savings products and to find ways to better increase public demand for annuities. Hurwitz had recently worked on projects focused on mandatory annuitization in Israel. Her research sheds light on life expectancy perceptions and health subjective perceptions and the ways to influence them in order to enhance saving behavior. Hurwitz holds a Ph.D. in Finance as well as an M.A. and a B.A. in Business and Economics from the Hebrew University of Jerusalem.

Brian Kaskie

University of Iowa

Brian Kaskie, PhD, earned a masters degree at Washington University in St Louis, he completed his doctoral training at the University of Southern California Leonard Davis School of Gerontology Center, and participated in a postdoctoral fellowship in health services research and policy at University of California, San Francisco. Most recently, Dr Kaskie served an APSA Congressional Fellow, assigned to the Majority Staff of the Senate Aging Committee chaired by Senator Susan M. Collins.

Dr. Kaskie’s primary interest concerns the intersection between public policies and older persons. Dr. Kaskie has a history of contributing directly to the formulation and implementation of public policies concerning older adults. He has worked with the Alzheimer’s Association National Public Policy office on developing state level strategies since 1993. He has served as the project manager for the state of California’s Strategic Planning Initiative for Older Adults from 1999-2001, providing legislators and agency executives critical guidance in formulating policy responses in the state with the nation’s largest population of older adults. In Iowa, Dr. Kaskie has established a superlative record of contributing in the aging and health policy arena. Brian has been appointed to several committees and task forces such as the Governor’s Taskforce on Re-Balancing Long-Term Care and the Iowa Committee for Value in Healthcare. Dr. Kaskie also created the University of Iowa multi-disciplinary graduate fellowship in aging, authored the Iowa Board of Regents Strategic Plan for Geriatric Care, and currently directs the two graduate degree programs in health policy offered at the University of Iowa.

His research involves analyzing Medicare and Medicaid policies, empirically testing models of state policy formation and implementation, and translating integrated approaches to providing geriatric care in a variety of healthcare settings. Most recently, Dr Kaskie has examined the increasing use of cannabis among older persons, evaluating the implications for opioid abuse and end of life care.

Chris Nikolich

Head of Glide Path Strategies (US)—Multi-Asset Solutions

Christopher Nikolich joined AllianceBernstein in 1994 and is the Head of Glide Path Strategies (US) in the Multi-Asset Solutions business, leading research efforts relating to effective target-date fund construction. He is the author of Anti-Depression Advice for Retirees, among other defined contribution (DC)–related research. Nikolich also works closely with clients in the structuring of their customized target-date funds. He was previously a senior investment director within DC. From 2002 to 2008, Nikolich was a senior portfolio manager on the Blend Strategies team, where he worked closely with clients on the creation and implementation of multi-asset-class solutions. From 2004 to 2006, he was based in London, where he worked with clients in the UK and Europe. From 1996 to 2002, Nikolich was a portfolio manager in the Index Strategies Group, where he managed risk-controlled equity services. He holds a BA in finance from Rider University and an MBA in finance and international business from New York University, and is a member of the Board of Trustees of Rider University. Location: New York

Matthew O'Hara, Ph.D., CFA

Managing Director

Matthew O'Hara, PhD, CFA, Managing Director, is the global head of investment research for the Lifetime Asset Allocation Group and is Co-Chair of the US, Canadian and UK LifePath Investment Committees.

Dr. O'Hara's service with the firm dates back to 2003, including his years with Barclays Global Investors (BGI), which merged with BlackRock in 2009. As part of the Multi Asset Strategies (MAS) group Dr. O'Hara is responsible for all investing aspects of lifetime asset allocation globally including the LifePath complex globally and the 529 complex in the US as well as new product development in those areas.

At BGI, he was Director of Research for the US & Canada Defined Contribution Group. He was responsible for research on defined contribution and pension outsourcing issues. Prior to joining the DC group, he was responsible for all research and model creation for asset-backed and commercial mortgage-backed securities. He also worked on corporate long/short strategies including the launch of the Fixed Income Global Alpha (FIGA) fund. Previous to working in finance, he worked as a research and design engineer.

Dr. O'Hara has been a lecturer in the MFE program at UC Berkeley. He also serves as vice president of the board of the CFA Society of San Francisco.

Dr. O'Hara earned a bachelor's degree in mechanical engineering from the University of Maryland in 1992. He earned an MS degree and a PhD in mechanical engineering from the University of California at Berkeley in 1995 and 1997, respectively. He also graduated as valedictorian and was awarded the Pyle Prize for best student paper from the Master's in Financial Engineering program at UC Berkeley in 2003.

Hector Ortiz

Office of Financial Protection for Older Americans, Bureau of Consumer Financial Protection

Héctor L. Ortiz, Ph.D. is Senior Policy Analyst at the Bureau of Consumer Financial Protection’s Office for Older Americans where he leads the office research on financial literacy, retirement security and elder financial exploitation. Previously, Mr. Ortiz worked at the Center for Benefits of the National Council on Aging, where he managed research and program evaluation on public benefits outreach and enrollment initiatives targeted at low-income seniors. He is a member of the National Academy of Social Insurance. Mr. Ortiz holds a Ph.D. in Political Science from the Maxwell School of Citizenship and Public Affairs of Syracuse University.

Pepper Schwartz, PhD

Professor of Sociology
University of Washington

Pepper Schwartz is a professor of sociology at the University of Washington. She is the past president of the Society for the Scientific Study of Sexualities, past president of the Pacific Sociology Association and she was the Relationship, Sexuality and Love Ambassador for AARP for more than a decade. She was given an award by the American Sociological Association for public understanding of sociology. She is now on the board of the University of Minnesota program on human sexuality, where a permanent professorship has been instated in her name. She is the author and co-author of 25 academic and popular books, including two that we’re on the New York Times Best Sellers list: The Normal Bar: The Surprising Secrets of Happy Couples and 10 Talks Parents Should Have with Children About Sex and Character. Her most recent books are 50 Great Myths of Human Sexuality and Snap Strategies for Couples: 40 Fast Fixes for Everyday Relationship Pitfalls. She is also the author of more than 50 journal articles and lectures widely, both to academic and general audiences.

Dr. Suzanne Shu

Associate Professor of Marketing
UCLA Anderson School of Management

Before Associate Professor of Marketing Suzanne Shu found her calling in academia, she had a career in industry. With undergraduate and advanced degrees in electrical engineering from Cornell University, Shu spent five years with Bell Communications Research. Earning an MBA was a logical part of her professional trajectory.

While in business school, Shu realized that the phenomena that had always interested her — behavioral economics, judgment and decision-making, consumer psychology — were organized into formal areas of study. The MBA experience changed her life, she says, and sealed her decision to pursue a Ph.D. at the University of Chicago, where she worked closely with renowned behavioral science expert Richard H. Thaler.

Shu has built a body of work on the topic of future bias, a previously unexplored behavior in which consumers delay consuming a positive asset until some future undefined date. “While most research on intertemporal choice has documented that consumers prefer sooner rewards over later ones,” she says, “my work is among the first to suggest that there may be circumstances where the opposite happens and consumers are willing to wait indefinitely to consume a reward.”

Clemens Sialm

Texas Commerce Bankshares Centennial Professorship

Clemens Sialm is a Professor of Finance and Economics and holds the Texas Commerce Bankshares Centennial Professorship. He is the Director of the AIM Investment Center at the University of Texas at Austin. He also is a Research Associate in the Asset Pricing and Public Economics programs of the National Bureau of Economic Research (NBER) and an Independent Contractor at AQR Capital Management.

Sialm received an M.A. in economics from the University of St.Gallen in Switzerland and a Ph.D. in economics from Stanford University. Prior to joining the University of Texas, he taught at Stanford University and at the University of Michigan in Ann Arbor.

Sialm's research interests are in the areas of investments, retirement savings, and taxation. His research has been published in the American Economic Review, the Journal of Finance, the Review of Financial Studies, Management Science, the Journal of Public Economics, and the Financial Analysts Journal among others. Sialm’s research has been frequently cited in The Wall Street Journal, The New York Times, and The Economist. The McCombs School of Business at the University of Texas honored him with a Research Excellence Award and a Teaching Excellence Award.

Dr. Jack VanDerhei

Research Director
Employee Benefit Research Institute (EBRI)

Steve Vernon, FSA, MAAA

Research Scholar
Stanford Center on Longevity

Steve is a Research Scholar at the Stanford Center on Longevity, and is President of Rest-of-Life Communications. In both roles, he is active with research, writing, and speaking on the most challenging issues facing retirees today, including finance, health, and lifestyle. For more than 35 years, he has helped Fortune 1000 employers design, manage and communicate their retirement programs.

Steve writes a twice-weekly blog column on retirement strategies for CBS MoneyWatch, and has authored six books on retirement planning. His most recent book is Retirement Game-Changers: Strategies for a Healthy, Financially Secure, and Fulfilling Long Life, released in July 2018.

His previously published works include: Money for Life: Turn Your IRA and 401(k) Into a Lifetime Retirement Paycheck; Recession-Proof Your Retirement Years: Simple Retirement Planning Strategies That Work Through Thick or Thin; The Quest: For Long Life, Health and Prosperity (a DVD/workbook package); Live Long & Prosper! Invest in Your Happiness, Health and Wealth for Retirement and Beyond and Don't Work Forever! Simple Steps Baby Boomers Must Take To Ever Retire.

Russell Wermers

Director, Center for Financial Policy
Smith School of Business, University of Maryland at College Park

Russ Wermers is Bank of America Professor of Finance and Director of the Center for Financial Policy (CFP) at the Smith School of Business, University of Maryland at College Park, where he won a campus-wide teaching award during 2005 and a Krowe Teaching Award (within the Smith Business School) during 2013. As Director, Professor Wermers guides the CFP in its mission of generating research that informs financial policy in the private and public sectors. His main research interests include studies of the efficiency of securities markets, as well as the role of institutional investors in setting stock prices. In addition, he studies and teaches quantitative equity strategies, and is currently researching microfinance institutions in Thailand. Most notably, his past research has developed new approaches to measuring and attributing the performance of mutual funds, pension funds, and hedge funds, which, among other applications, can be used to identify superior active funds. Professor Wermers also studies the investment behavior of these asset managers, as well as the impact of their trades on financial markets. His papers have been published in leading scholarly journals, such as The American Economic Review and The Journal of Finance. His coauthored article that documents that some hedge funds use Freedom-of-Information-Act requests to the Food and Drug Administration to generate alpha won second prize for the best paper of 2017 in the Review of Financial Studies. He is coauthor of a book on the latest scientific approaches to performance evaluation and attribution of professional fund managers, written for academics and practitioners (published in December 2012). He received his Ph.D. from the University of California, Los Angeles, in December 1995.