Apurva Schwartz is a portfolio specialist for Harding Loevner; she has over 17 years of industry experience. Before joining Harding Loevner in 2020, Apurva was a principal at Goldman Sachs. She previously held senior equity

analyst positions at NGM Asset Management and Citadel Investment Group and was a vice president at Institutional Capital Corporation. Apurva is a graduate of the University of Michigan, with a B.A. in Political Science.

Daniel Santiago, CETF® - Vice President, Sector Specialist (State Street Investment Management)

Anthony Saglimbene is the Chief Market Strategist at Ameriprise Financial, and he has been with the firm for over 25 years. In this role, he provides analysis and research on market trends across asset classes, sectors and regions for the firm. 
Saglimbene is a member of the Ameriprise Global Asset Allocation Committee. He is responsible for directing the asset allocation strategy for the firm. The Committee provides asset allocation advice across a range of risk tolerances, time horizons and tax sensitivities.
Saglimbene’s views on the market and asset allocation are frequently seen in news media including, Bloomberg, The Wall Street Journal, Financial Times, The Associated Press, U.S. News & World Report, Reuters and Investor’s Business Daily.

Wassan Kasey is senior vice president and advisor practice management consultant at Capital Group. She has 22 years of investment industry experience and has been with Capital Group for eight years.

Prior to joining Capital, Wassan led the institutional and retail sales in the Western U.S. for Milliman's downside hedge strategies. Before that, she was a portfolio manager and analyst, then later became an advisor coach at Wells Fargo Private Bank.

She started her career as a financial advisor at Morgan Stanley. She holds a bachelor's degree in business administration from the University of Southern California. Wassan is based in Los Angeles.

Mr. Robert Penafiel is an academic scholarship recipient and holds an A.A. in Computer Science from Miami-Dade College. He also holds a B.A. in Accounting from Florida International University with a Minor in Computer Science. He is a member of the American Society of Pension Professionals and Actuaries and provides continuing professional education to CPAs and financial advisors. Mr. Penafiel has also been admitted to the Federal Tax Court and an expert in the retirement industry.

Mr. Penafiel started practicing in the retirement industry in 1984, when he joined Pension Systems, Inc. He became the owner of that company in 1993 and merged with Snider Pension Services, Inc. to form Pension Services, Inc.(“PSI”), located in Miami, Florida. Mr. Penafiel is owner and President of PSI. The firm is a Third-Party Administration (‘TPA”) company, and it specializes in designing customized qualified plans for the greatest tax deductions and maximized contributions for business owners and key employees and their families. The firm currently administers over 2,500 retirement plans in over twenty-seven states including Puerto Rico. Recently the IRS selected PSI’s reports to train revenue agents and selected Robert Penafiel to educate and train over twenty Revenue Agents from the southeastern United States. 

Mr. Penafiel is also owner and President of Plan Documents, Inc. (“PDI”). The firm specializes in preparing qualified retirement plan and trust legal documents and representing clients with (“IRS”) and the and the Department of Labor.