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2019

DoD FINANCIAL READINESS TRAINING SYMPOSIUM

PROGRAM April 30–May 2, 2019 Hilton Dallas Lincoln Centre 5410 Lyndon B. Johnson Freeway Dallas, Texas


Office of Financial Readiness MISSION STATEMENT

Lead the Department’s financial readiness efforts to support a mission-ready Force through policy, programs and advocacy.

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Dear Financial Educators and Counselors, Welcome to the 2019 Department of Defense Financial Readiness Training Symposium! Your role in educating and counseling Service members and families not only improves their lives, but directly contributes to the success of the Department’s mission. As we all know, financial readiness is an essential component of Total Force readiness. This year’s symposium will provide key tools to help build the capabilities of Service members and families to improve and maintain their financial readiness. To help continue your success, we have assembled an outstanding group of subject matter experts on financial trends such as cryptocurrencies and personal financial decisions, such as vehicle purchasing, Survivor Benefit Plan, and the financial implications of marriage and divorce. I encourage you to participate in the breakout sessions, assess new resources, and expand your networks to enhance your program’s efforts. By doing this, I am certain you will leave this year’s symposium prepared to deliver meaningful financial education and counseling to Service members and families. Thank you for taking the time to participate in this symposium and for the ongoing education you provide to all Service members and families across the globe! Sincerely,

Veronica Daigle Principal Deputy Assistant Secretary of Defense (Readiness)

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Sessions TUESDAY ÌÌ

Opening Session

• Welcome — Mr. Fred Drummond • Office of Financial Readiness Update — Mr. Andrew (Andy) Cohen ÌÌ

Daily Sessions

• Coaching Clients Using Credit Reports and Scores • Cryptocurrency and Investor Protections • Educating Service Members — Car Buying • Financial Implications of Marriage and Divorce • Millennials and the Military: Their Financial Capability and Investing Views • My PFC and Me • Paying for College: Student Loans and Service Members • Survivor Benefit Plan ÌÌ

No-Host Social

WEDNESDAY ÌÌ

Daily Sessions

• Coaching Clients Using Credit Reports and Scores • Cryptocurrency and Investor Protections • Educating Service Members — Car Buying • Financial Implications of Marriage and Divorce • Millennials and the Military: Their Financial Capability and Investing Views • My PFC and Me • Paying for College: Student Loans and Service Members • Survivor Benefit Plan ÌÌ

Keynote — Mr. Timothy (Tim) Moore

THURSDAY ÌÌ

Service Sessions

SEN$E MOBILE APP DEMOS: ÌÌ

Tuesday and Wednesday

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9:00AM – 5:00PM, Washington room

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Mr. Fred Drummond Deputy Assistant Secretary of Defense (Force Education and Training) | Office of the Assistant Secretary of Defense (Readiness) Mr. Fred Drummond serves as the Deputy Assistant Secretary of Defense for Force Education and Training in the Office of the Assistant Secretary of Defense for Readiness. He oversees the development of policies and plans for military training and education and is responsible for: Service and joint training policy, cyber training policy, joint professional military education, training capability modernization, and enabling access to the land, air, and sea live training domains. Mr. Drummond leads voluntary education programs including Troops to Teachers and the Tuition Assistance program. He is responsible for policy and oversight of financial readiness and to educate the Force on the new Blended Retirement System. He also leads the Defense Language and National Security Education Office in their efforts to recruit, train, sustain, and enhance language and culture capabilities to ensure national security and readiness. Mr. Drummond oversees the Advanced Distributed Learning Initiative to encourage collaboration among federal agencies, facilitate interoperability, and promote best practices for using distributed learning to provide the highest-quality, cost effective education and training programs. He also oversees the Department of Defense’s licensing and credentialing policies to assist Service members in effectively translating their military skills and experience into the civilian workforce. Prior to joining the Office of the Secretary of Defense, Mr. Drummond was responsible for the Navy’s strategy, policy, resource allocation and execution oversight for all officer, graduate and voluntary education programs. A career Naval Officer, Mr. Drummond served as a Naval Flight Officer deploying across the globe conducting combat and peacetime operations, including assignments in education, training and manpower. Mr. Drummond’s military awards include the Defense Superior Service Medal, the Legion of Merit, the Distinguished Flying Cross, and the Air Medal (one individual and seven Strike/Flight). He is a graduate of Virginia Tech and received a master’s of political science from Auburn University of Montgomery.

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Mr. Andrew (Andy) Cohen Director, Office of Financial Readiness | Office of the Deputy Assistant Secretary of Defense (Force Education and Training) Mr. Andrew (Andy) Cohen is the Director, Office of Financial Readiness in the Office of the Deputy Assistant Secretary of Defense for Force Education and Training. As Director, he leads the Financial Readiness team in the planning, direction, control and coordination of policies and programs to meet the financial literacy and preparedness needs of Service members and their families. Mr. Cohen began his career in the Federal Civil Service in July 2017 as a senior program analyst. Prior to accepting an appointment to the Federal Civil Service, he served nine years as Deputy Director for Finance and Treasurer, Army Emergency Relief (AER). AER is a private 501(c)(3) charity providing, on average, $75 million a year in no-interest loans and grants to soldiers and their families to meet unexpected financial needs. Prior to joining AER, he served 27 years as a Commissioned Officer in the U.S. Army, retiring with the rank of Colonel.

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Mr. Timothy (Tim) Moore Multigenerational relations expert, author and speaker Mr. Timothy Moore is a multigenerational relations expert and an accomplished author and speaker with more than three decades of experience in marketing, sales, and training. He is owner and principal of the sales consultancy Dancing Elephants and editor of the online daily magazine Carolina Business Connection in North Carolina’s Research Triangle region. Mr. Moore’s experience in sales and training spans numerous Fortune 500 companies, including PepsiCo, Gillette, Dow Chemical, and L’Oreal USA. He is coauthor of “Six Secrets of Sales Magnets,” has written articles about sales and training and teaches classes and seminars in sales at universities and community colleges. At Generational Insights, Mr. Moore is part of a team that has become the leading voice on the impact of generational differences on sales, marketing, management and hiring and retention. He combines the research of Generational Insights with his own professional experience, in addition to observations of client practices, to provide generational strategies and solutions for this rapidly changing world. Mr. Moore holds a Bachelor of Arts degree from Elon University in North Carolina, where he served as student body president. He is a board member of the Elon Alumni Association. The school recently honored him as an alumnus who has achieved scholarly distinction in his field and inducted him into the national Honor Society of Phi Kappa Phi. Mr. Moore grew up in Charlottesville, Virginia, and now lives in Cary, North Carolina, with his wife of 33 years, Linda, and their two adult children. He spends his free time traveling the world, obsessively playing his harmonica or learning to play his mandolin and fiddle. He is one of about 75 million baby boomers who are still busy changing the world.

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BIOGRAPHIES OF PRESENTERS Coaching Clients Using Credit Reports and Scores Dr. Heather Brown Financial Education Impact Specialist/Financial Education Exchange Program Lead | Consumer Financial Protection Bureau Dr. Brown is a Financial Education Impact Specialist at the Consumer Financial Protection Bureau (CFPB). She has served in this position for two years. She previously served as a Project Manager for a variety of projects for the CFPB’s Office of Supervision. Dr. Brown partners with the bureau’s Office of Servicemember Affairs and other offices to provide training, publications, events and other resources for veterans and Service members. She grew up in a military family and lived on military bases during her formative years. ÌÌ

Websites:

• https://www.consumerfinance.gov • https://www.linkedin.com/groups/5056623 ÌÌ

Subject areas of expertise: Credit Reports and Scores, Debt Collection, Adult Education, Project Management

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Contact information: Heather.Brown@cfpb.gov

Cryptocurrency and Investor Protections Mr. M. Owen Donley III (April 30) Chief Counsel, Office of Investor Education and Advocacy | Securities and Exchange Commission Mr. Donley is Chief Counsel at the Office of Investor Education and Advocacy at the Securities and Exchange Commission. He has served in that capacity for eight years. He previously served as Senior Counsel in the Office of the General Counsel, where he advised on issues related to enforcement of federal securities laws. The Office of Investor Education conducts regular training around investor education at bases throughout the country and abroad. The office participated in more than 75 events in fiscal year 2018. ÌÌ

Website: https://www.investor.gov

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Subject areas of expertise: Federal Securities Laws, General Investing, Investment Fraud

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Social media: @SEC_Investor_Ed


Mr. Paul Saulski (May 1) Senior Counsel, Office of Investor Education and Advocacy l Securities and Exchange Commission Mr. Saulski is Senior Counsel at the Office of Investor Education and Advocacy at the Securities and Exchange Commission. He has served in that capacity for two years. He previously served as Senior Counsel in the SEC’s Office of International Affairs, where he helped to coordinate cross-border investigations and enforcement actions and worked on international regulatory policy. In April 2017, the then-Chairman of the SEC asked Mr. Saulski to spearhead the SEC’s Military Financial Literacy Campaign, a program aimed at educating military personnel about financial readiness and investing in the securities markets. He now travels to bases around the country providing investor education training. ÌÌ

Website: https://www.investor.gov

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Subject areas of expertise: Fundamentals of Investing, Financial Products, Understanding Fees, Planning for Retirement (including the Blended Retirement System), Thrift Savings Plan, Avoiding Financial Fraud

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Contact information: saulskip@sec.gov

Ms. Meredith Scialabba Consumer Outreach Specialist | U.S. Commodity Futures Trading Commission Ms. Scialabba is a Consumer Outreach Specialist at the U.S. Commodity Futures Trading Commission (CFTC) in Washington, D.C. Ms. Scialabba has served in this role for four years. She previously served as Special Assistant at the U.S. Department of Labor, where she supported senior Obama Administration officials on issues pertaining to retirement security and financial literacy. The CFTC has developed resources to help Service members and their families protect their savings, because the best protection against fraud is an informed investor. ÌÌ

Websites:

• Virtual Currency Resources: https://www.cftc.gov/Bitcoin/index.htm • Fraud Prevention Virtual Resources: https://smartcheck.gov/resources • Fraud Prevention Print Resources: https://www.cftc.gov/ ConsumerProtection/Resources/index.htm

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• CFTC Brochure Bulk Ordering: https://orders.gpo.gov/cftcpubs.aspx • Reporting Suspected Fraud: https://www.cftc.gov/ ConsumerProtection/FileaTiporComplaint/index.htm

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Subject areas of expertise: Investor Education, Investment Fraud Prevention, Virtual Currency

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Contact information: U.S. Commodity Futures Trading Commission, 1155 21st Street NW, Washington, DC 20581; https://www.linkedin.com/in/

meredithscialabba

Educating Service Members — Car Buying Mr. Dwain Alexander II Senior Civilian Attorney | Region Legal Service Office, Navy Mid-Atlantic Mr. Alexander is a civilian Legal Assistance Attorney at Region Legal Service Office, Navy Mid-Atlantic in Norfolk, Virginia. Mr. Alexander has served in legal assistance for 23 years. He trains new first-tour Judge Advocates, provides client legal services, and serves as a local and national speaker on military rights, consumer law and the Servicemembers Civil Relief Act. Mr. Alexander supports mission legal readiness for Service members by providing legal advice, analysis, resources and solutions to the civil challenges that could disrupt or distract from their primary duties. ÌÌ

Websites:

• National Consumer Law Center’s Collection Actions publication: • •

https://library.nclc.org/ca American Bar Association Legal Guide for Military Families:

https://www.americanbar.org/products/inv/book/213418 Virginia State Bar Military Law Newsletter article, “Unenforceability of Certain Pre-Dispute Waivers of Rights Under the Servicemembers Civil Relief Act”: http://www.vsb.org/site/sections/military/

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mlnewsspring2014d Subject areas of expertise: Servicemembers Civil Relief Act, Consumer Law, Auto Fraud

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Contact information: Dwain.Alexander@navy.mil

Financial Implications of Marriage and Divorce Ms. Mary M. Benzinger Senior Attorney (Army) | Pentagon Joint Legal Assistance Office Ms. Benzinger is the Senior Attorney for Army Legal Assistance at the Pentagon in Arlington, Virginia. She has served as the Pentagon Army Legal Assistance Attorney for 12 years. She previously spent 19 years in 11


private practice in Virginia, where she practiced primarily Family Law. As a Legal Assistance Attorney, Ms. Benzinger provides legal advice to retired and active-duty soldiers and their dependent family members on general law issues such as Family Law, Estate Planning and Landlord/ Tenant. She is also a guest lecturer at the U.S. Army Judge Advocate General’s Legal Center and School. ÌÌ

Subject areas of expertise: Estate Planning, Servicemembers Civil Relief Act, Landlord/Tenant, Uniformed Services Former Spouse Protection Act

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Contact information: Mary.M.Benzinger.civ@mail.mil

Millennials and the Military: Their Financial Capability and Investing Views Dr. Gary Mottola Research Director, FINRA Investor Education Foundation Dr. Mottola is the Research Director for the FINRA Investor Education Foundation and a social psychologist with more than 25 years of research experience. In his role at the FINRA Foundation, he oversees and conducts research projects aimed at better understanding financial capability in America, protecting investors from financial fraud. Dr. Mottola received his Bachelor of Arts from the University at Albany, his Master of Arts from Brooklyn College, and his Ph.D. from the University of Delaware. Find 15 of his publications at http://www.linkedin.com/in/gary-mottola. ÌÌ

Subject areas of expertise: Research/Statistics, Investing, Financial Capability

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Contact information: Gary.Mottola@finra.org

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Ms. Shay Cook Financial Readiness Manager | FINRA Investor Education Foundation Ms. Cook, MS, AFC®, is the Financial Readiness Manager at FINRA Investor Education Foundation in Washington, D.C. She has served in financial readiness for 16 years. Ms. Cook previously served as Coast Guard Headquarters’ Chief, Family Services Division, where she oversaw 13 family services programs including personal financial readiness, child development services, deployment, transition, etc. She has supported military members and their families in the capacity of accredited financial counselor, HQ program manager and at the policy level. ÌÌ

Websites:

• https://www.finrafoundation.org • https://www.saveandinvest.org ÌÌ

Subject areas of expertise: Accomplishing Financial Goals, Spend Plans, Debt/Credit

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Contact information: Shay.Cook@finra.org; https://www.linkedin.com/

in/shay-cook-ms-afc-0bb88877

My PFC and Me Ms. Heather McIntosh-Braden Program Analyst/Deputy, Financial Readiness | Office of the Deputy Assistant Secretary of Defense (Force Education and Training) Ms. McIntosh-Braden currently serves as the Personal Financial Counselor (PFC) Program Manager at the Office of Financial Readiness in the Office of the Deputy Assistant Secretary of Defense for Force Education and Training. She is a Program Manager and Policy Expert with more than 14 years of experience in project management, resource sponsorship, financial management, strategic planning, and policy/plans development and analysis for programs supporting Service members and families. ÌÌ

Subject areas of expertise: Managing development of mobile training application for military members and families, developing the Financial Readiness Body of Knowledge, and management of the PFC program

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Contact information: Heather.D.Mcintosh-Braden.civ@mail.mil

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Social media: @DoDFINRED (Facebook, Twitter, Instagram, YouTube)


Paying for College: Student Loans and Service Members Mr. Patrick Campbell Deputy Assistant Director, Office of Servicemember Affairs | Consumer Financial Protection Bureau Mr. Campbell is the Deputy Assistant Director at the Consumer Financial Protection Bureau in the Office of Servicemember Affairs, a role in which he has served for one year. He previously served as Chief Policy Advisor, leading the Washington, D.C., offices of the Iraq and Afghanistan Veterans of America (IAVA). ÌÌ

Website: https://www.consumerfinance.gov

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Subject areas of expertise: GI Bill, Student Loans

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Contact information: Patrick.Campbell@cfpb.gov

Survivor Benefit Plan Mr. Andrew Corso Assistant Director, Military Compensation Policy | Office of the Secretary of Defense, Office of the Assistant Secretary of Defense for Manpower and Reserve Affairs Mr. Corso is Assistant Director of the Office of Military Compensation Policy within the Office of the Secretary of Defense (OSD) at the Pentagon and a Commander in the U.S. Navy Reserve. He administers Department of Defense policies on military retirement and annuity programs for both the Active and Reserve Components and serves as the Department’s Project Manager for the implementation of the Blended Retirement System. Mr. Corso has served in OSD for three years, previously working in its Officer and Enlisted Personnel Management office overseeing a comprehensive Military Decorations and Awards review. He is the DoD lead for all retired pay and survivor annuity programs and chairs its Survivor Benefit Plan Board. He also serves as the Uniformed Services’ representative to the Employees’ Thrift Savings Plan Advisory Board, and was project lead for the Uniformed Services’ implementation of the Blended Retirement System. ÌÌ

Subject areas of expertise: Military Retired Pay Programs, Retiree Activities, Blended Retirement System, Thrift Savings Plan, Survivor Benefit Plan, Non-Regular Retirement

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Contact information: Andrew.R.Corso.civ@mail.mil

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