FIRST

ANNUAL

APRIL 22, 2019 | SHERATON SALT LAKE HOTEL | 8:30 AM – 3:30 PM

Women in the Money: Utah Financial Empowerment Conference is hosted by the Utah State Treasurer, the Utah Financial Empowerment Coalition, and the Utah Council on Financial and Economic Education. The conference aims to empower Utah women to achieve financial security by providing access to crucial financial information, invaluable resources, and new mentors and friends.

The conference serves Utah women from all walks of life. Women of all ages, cultures, and financial situations are invited to exchange ideas and grow together. The overarching message is that it is never too late, or too early, to learn about finances.

Why Women?

− 89% of financial decisions are made by women. − Two-thirds of household breadwinners and co-breadwinners are women. − Women live longer than men (an average of 7 years) and are more likely to outlive their assets. − The average age of widowhood is 56. − Social security is the only source of retirement income for 38% of retired Utah women.

− 49% of women fear becoming a “bag lady,” including women in favorable economic conditions, women who work, and women who manage their family’s finances. − According to a study published by the nonprofit Transamerica Center for Retirement Studies, 46% of women are “not too confident” or “not at all confident” in their ability to fully retire with a comfortable lifestyle. − More than 75% of all unpaid caregivers are female. − For every year that a woman stays at home as a caregiver, she must work five or more extra years to recover lost income, pension coverage, and career promotion.

Sheraton Salt Lake Hotel Map

Conference Agenda

7:30 AM – 8:30 AM REGISTRATION & CONTINENTAL BREAKFAST

8:30 AM – 9:00 AM CONFERENCE OPENING Lori Prichard, Emcee David Damschen, Utah State Treasurer

9:00 AM – 9:50 AM CENTS AND $ENSIBILITY: WOMEN AND MONEY PANEL

Moderator: Susan Madsen, Utah Women & Leadership Project

Panelists: Susan Speirs – Utah Association of CPAs & Jump$tart Coalition Reyna Aburto – Church of Jesus Christ of Latter Day Saints General Relief Society Jonyce Bullock – Utah Businesswoman Erin Jemison – YWCA

9:50 AM – 10:00 AM BREAK Visit Exhibitor Booths

10:00 AM – 10:50 AM CONCURRENT WORKSHOPS

Gain Total Control of Your Money (Deer Valley-Sundance) Erin Lowell, You Need A Budget Learn four simple rules that will put you in the driver's seat of your financial decisions. You will learn to align your spending with the things that are most important to you, prepare for unexpected expenses, and adapt as life throws your curve balls. This proven method will help you break the paycheck to paycheck cycle once and for all.

What You Need to Have in Place Before the Unspeakable (Alta-Brighton) Cathleen Gilbert, Gilbert Law Office Learn what legal documents you should have in place, information you need to know, and things you need to do before you or your spouse dies. This session will cover “hacks” you can follow to ensure your wishes are followed and your assets are distributed to the people or charities you wish.

Teach Your Daughters (and Sons) Money Lessons They Will Never Forget (Solitude-Powder Mountain) Nancy Anderson, KeyBank Financial literacy is a vital part of becoming a responsible, independent adult. In this session, you will learn money lessons, tips, and activities to use with your children and grandchildren to help them become money savvy adults. While everyone needs knowledge about money, we put an extra emphasis on girls to help close the gender wage gap.

Tips for Parents: Saving, Paying, and Borrowing for Your Child's Education (Snowbird) Katie Wornek, Utah Higher Education Assistance Authority Lynne Ward, my529 Saving, paying, and borrowing for your child’s education can all be viable options. K-12 grade school tuition, trade school, and college all play a role on the pathway to well-paying careers. This session is designed to help you prepare for the costs of higher education for yourself and/or your children. Learn about resources such as federal and state financial aid, private scholarships, and strategies for cutting college costs. We will also explain saving and investing and how certain funds (529 plans) can be used for tuition, room and board, institutions abroad, and more.

10:50 AM – 11:00 AM BREAK Visit Exhibitor Booths

11:00 AM – 11:50 AM CONCURRENT WORKSHOPS

Growing Up: Five Things I Wish I Would Have Known About Money (Deer Valley-Sundance) Marilyn Albertson, USU Extension Growing up on a dairy farm, I had wonderful parents who were smart money managers and taught me to work hard, but did not share their money-management skills. That left me lacking in financial savvy when faced with many adult decisions. Knowing more could have saved me from some mistakes, reduced poor choices, and helped build a better retirement fund. This session will address some important facts about money management, credit, and saving, I wish I had known much earlier in my life.

$mart Salary Negotiation Workshop (Alta-Brighton) Ann House, University of Utah Personal Money Management Center Chances are, you deserve to be paid what men are paid. This workshop will empower you with the knowledge, skills, and confidence to negotiate your salary and raises. The curriculum is created by the American Association of University Women (AAUW), which leads the charge to close the gender pay gap with an innovative program grounded in the latest research.

Strong Credit: A Passport to Financial Success (Solitude-Powder Mountain) Michele Sauk, U.S. Bank Building a solid credit history and maintaining a high credit score can have a dramatic impact on your quality of life. In this session, you will learn important credit skills and knowledge, including how to define what credit and loans are, distinguish between secured and unsecured loans, identify types of loans, identify costs associated with getting a loan, and identify the factors lenders use to make loan decisions.

Is This the Real Deal? Spotting and Preventing Scams on the Homefront (Snowbird) Francine Giani, Utah Department of Commerce Tom Brady, Utah Division of Securities An educated consumer is a fraudster's worst nightmare. A discussion of the different types of schemes that Utah consumers and investors are seeing throughout the state in the areas of consumer transactions, real estate transactions, professional services, and investments. Learn tips and tricks to avoid being defrauded and how to be a savvy consumer.

11:50 AM – 12:15 PM LUNCH

12:15 PM – 12:50 PM LUNCH KEYNOTE Title Sponsor Introduction of Keynote Speaker Gail Miller – Utah Businesswoman

12:50 PM – 1:00 PM BREAK Visit Exhibitor Booths

1:00 PM – 1:50 PM CONCURRENT WORKSHOPS

From Idea to Action: How to Start Your Own Business (Deer Valley-Sundance) Ann Marie Wallace, Women’s Business Center of Utah Business ownership is a rewarding journey that can provide flexibility, creative freedom and financial reward for you and your family. Learn how to validate your business idea, use simple and free research tools and what the first steps are to launch or expand a business. Join the over 84,000 Utah women who took the leap and are improving their communities and families through entrepreneurship.

Banking Tools for Your Financial Toolbelt (Alta-Brighton) Kimberli Green, America First Credit Union More important than making money is figuring out what YOU want to do with that money and having the tools to make your money work for you. In this session, you will learn the essentials for building a strong financial toolbelt to complete the job. Regardless of where you are in life, financial literacy should be at the top of your list. You don’t have to be an expert or a millionaire to take charge and create your own financial wellness.

Social Security: What Is It and How Do I Prepare? (Deer Valley-Sundance) Mickie Douglas, Social Security Administration Are you ready for the economic challenges in your future? Social Security plays an especially important role in providing economic security for women. Women face greater economic challenges in retirement because they tend to live longer than men, have lower lifetime earnings than men, and may reach retirement with smaller pensions and other assets. Women face additional challenges if they become disabled and in providing survivor benefits for their families. Learn what kind of benefits are available, how you qualify, how much you qualify for, and how Social Security plays an important role in your financial future.

Discussing Finances as a Couple: How to Have ‘The Talk’ (Alta-Brighton) Amanda Christensen, Utah Money Moms, Utah State University Extension We may struggle to communicate about money because we are unaware of the underlying values and beliefs that inadvertently guide our financial decisions. Learn how to discover your personal money values and start the money conversation with your spouse without running away kicking and screaming.

1:50 PM – 2:00 PM BREAK Visit Exhibitor Booths

2:00 PM – 2:50 PM CONCURRENT WORKSHOPS

Fundamentals of Investing (Deer Valley-Sundance) Sandra Hill, Fidelity Investments Traditional savings accounts often don’t provide sufficient growth potential to help consumers attain their financial goals and objectives, such as a comfortable retirement, a vacation home, a trip around the world, or a child’s post-secondary education. Yet, many people are intimidated by the idea of investing because they are concerned about market volatility or don’t know where to begin. This session will provide you with the essential knowledge and skills you need to make the investment decisions to secure your financial future.

Up and Coming Careers: What’s on Your Horizon (Alta-Brighton) Kristiane Koontz, Women Tech Council Are you planning to re-start your career after taking some time out of the workplace, or contemplate doing so in the future? Learn about strategies for career re-entry, as well available paths, programs, and success stories.

Helping Those with Special Needs and the Elderly Attain Financial Independence (Solitude-Powder Mountain) Debbie Booth, Utah Adult Protective Services Chris Lehosky, Utah Adult Protective Services Auditor Finance can be a sensitive and complex topic. When an elderly or disabled loved one needs help managing their money, it can be difficult to know where to start. This session will provide you with the knowledge and resources to make informed decisions to protect your loved ones, while empowering them with a sense of financial independence.

Excessive Debt: Bankruptcy Isn’t the Answer (Snowbird) Hon. Kevin Anderson, Utah Bankruptcy Judge Ellen Billie, AAA Fair Credit Foundation Utah consistently leads the country in per capita bankruptcy filings. Learn some of the unique aspects of Utah's demographics, economy, and culture that contribute to this distinction and how you can use this information to avoid becoming part of this unfortunate statistic.

2:50 PM – 3:00 PM BREAK Visit Exhibitor Booths

3:00 PM – 3:30 PM DOOR PRIZES & CONFERENCE CLOSING Rebecca Cressman, Emcee

Conference Speakers

Lori Prichard – Journalist at KSL

Lori is an Emmy award-winning journalist voted Best TV News Reporter of 2011 by the Utah Society of Professional Journalists. Originally from Joplin, Missouri, Lori moved to Salt Lake City after working in Tulsa, Oklahoma. Lori has worked as an investigative reporter as well as a general assignment reporter. She won the 2010 Don Barker Investigative Reporting Award. In 2011, her stories led to four separate changes in Utah law.

Lori holds an undergraduate degree in economics from Baylor University. She also received a master's degree in both journalism and public affairs from the University of Missouri. Lori spent a year studying abroad at the Sorbonne in Paris, France.

Rebecca Cressman – Radio Host at FM100.3 Midday Show

Rebecca is living the dream- hosting FM100.3’s Midday Show playing music every work day from 10:00 AM -3:00 PM. A San Diego native, she adopted Utah as her home years ago after falling in love with the mountains, rivers, and the kind, fun people. Rebecca is fluent in Spanish and travels to South America frequently, where she is deeply involved in humanitarian projects.

Rebecca is an Emmy nominated former TV host and continues to guest-host on local television, she graduated in Communications from Brigham Young University, studied towards a master’s degree in Education, and currently hosts FM100.3’s weekly community radio show, Utah Weekly Forum, each Sunday night.

Gail Miller – Owner and Board Chairman at Larry H. Miller Group of Companies

Gail is the owner and chairman of the board of the Larry H. Miller Group of Companies. Gail and her late husband, Larry, grew their business into one of the largest privately-owned companies in the United States. Beginning with the purchase of Toyota of Murray (Utah) in 1979, the Larry H. Miller Group is now comprised of more than 80 businesses and properties operating in 46 states and employing more than 10,000 people. Gail and Larry created a strong legacy of giving back to the communities in which they do business. They founded Larry H. Miller Charities, a nonprofit organization that supports women and children’s issues. Gail also presides over the Larry H. & Gail Miller Family Foundation, which supports religious, charitable, scientific, literary, and educational programs.

David Damschen – Utah State Treasurer

David is the 25th Utah State Treasurer, appointed to the office in 2015 and re-elected to a four year term in 2016. He is responsible for the state’s banking, cash and debt management, investment of public funds (including the $16 billion Public Treasurers’ Investment Fund), and the administration of the state’s Unclaimed Property Division. He also serves as an ex officio member of 20 boards and commissions, including Utah Retirement Systems, Utah Housing Corporation, and the Utah Council on Financial and Economic Education. David has extensive experience in institutional investments and treasury operations. Before serving for seven years as Utah’s chief deputy state treasurer, he spent most of his nearly twenty years in the private sector in the institutional trust and custody, treasury management, and retail divisions of a national banking organization.

Dr. Susan Madsen – Founding Director, Utah Women and Leadership Project

Susan is the Orin R. Woodbury Professor of Leadership & Ethics in the Woodbury School of Business at Utah Valley University. She is also the Founding Director of the Utah Women & Leadership Project, which focuses on strengthening the impact of Utah girls and women. Through the years, Susan has written a host of Utah research and policy briefs and snapshots, reports, and op-eds. She is also a well-known global scholar, publishing six books and hundreds of articles, chapters, and reports. She speaks globally and this spring will be doing keynotes in the United Arab Emirates, the UK, and in Germany. She serves on many nonprofit, community, and education boards including Silicon Slopes, Better Days 2020, Envision Utah, Utah Financial Empowerment Coalition, Real Women Run, United Way of Utah County, and more.

Reyna I. Aburto – General Relief Society Counselor at Church of Jesus Christ of Latter Day Saints

Reyna was sustained as Second Counselor in the Relief Society General Presidency in The Church of Jesus Christ of Latter-day Saints in April 2017. Prior to her call, she served as a member of the Primary General Board and in different callings in Relief Society, Young Women, Primary, Sunday School and Scouting. Reyna was born in Managua, Nicaragua. She moved to the United States in 1984, and she and her husband Carlos live in Orem, Utah. They have three children and two grandchildren. She studied Industrial Engineering at Universidad Centroamericana, in Managua, Nicaragua, and earned an Associate Degree in Computer Science from Utah Valley University. Reyna has worked in the language industry for more than 25 years and currently works as a translator in a small translation business she owns with her husband.

Susan Speirs – CEO at Utah Association of CPAs

Susan has been the CEO of the UACPA since July 2013. She has always been involved with the business environment and the profession. She sits on the Federal Funds Commission for the state of Utah, and is a member of the board of directors for the Utah Council for Economic Education and the Jump$tart Coalition for Financial Literacy in the State of Utah. She is a member of the Women’s Summit under the Department of Corrections, an organization that prepares women to transition into society after serving time in the prison system and the Utah Council of Financial and Economic Education. She is also past president of the UACPA and AWSCPA. Prior to coming to the UACPA, Susan had a practice that specialized in small businesses. Susan enjoys playing with her husband, Steve, of 33 years, two children, daughter-in-law and two grandchildren.

Jonyce Bullock – CEO at Squire & Company

Jonyce started at Squire in 1999 as a member of Squire’s tax team. In 2000, she started what became Squire’s QuickBooks support team and client accounting service lead. In August 2018, Jonyce was named CEO of Squire & Company. She also serves as an outsourced controller, CFO, and enjoys working with management teams. Jonyce has been named as an Intuit Top 100 ProAdvisor for the past four years. She has also been the recipient of the Women to Watch – Emerging Leader and the Women to Watch - Experienced Leader awards in past years. She is the recipient of Utah Business Magazine’s 30 Women to Watch Award for 2012. She has been twice named to CPA Practice Advisory’s Top 40 under 40 CPA’s in America. Jonyce graduated Cum Laude from Brigham Young University with a B.S. and Master of Accountancy with an emphasis in taxation.

Erin Jemison – Director of Public Policy at YWCA Utah

Erin is the Director of Public Policy at YWCA Utah, advocating on behalf of Utah women and girls in the areas of economic advancement, racial justice, and health and safety. She also oversees Real Women Run at the YWCA—a collaborative nonpartisan initiative to empower women to participate fully in public life and civic leadership. Erin relocated to Utah after leading the Colorado Coalition Against Sexual Assault (CCASA) as their Executive Director, where she also served as Chairperson of the Colorado Sex Offender Management Board. She also has over a decade of experience working directly with survivors of sexual and domestic violence. Erin’s educational focus was on gender equity and she has a Bachelor’s in Sociology from William Smith College and a Master’s in Public Administration from Montana State University.

Erin Lowell – Lead Educator at You Need A Budget

Erin is a former choir teacher turned budgeting teacher, who manages small but mighty team of educators at You Need A Budget (YNAB). She is always looking for ways to get people excited about budgeting, because budgeting actually is really exciting. Erin started working at YNAB after using it to pay off the credit card debt she racked up during a long and unnerving period of home renovations on her old farmhouse. She has worn many hats at YNAB including writing support articles, creating videos, writing for the blog, and developing new workshops. She lives in Maine with a small collection of cats and a dog named Charlie. When the weather cooperates, she hikes the Appalachian Trail, and hopes to complete the entire trail someday. In the winter when the weather isn't so nice for hiking, she quilts for charity.

Cathleen Gilbert – Owner and Attorney at Gilbert Law Office

Cathleen graduated with an Honors BA from the University of Utah in Accounting, worked for 5 years for Deloitte & Touche, earned her CPA in 1988, and then attended law school and graduated from the SJ Quinney School of Law at the University of Utah in 1994. After working in three Salt Lake City law firms, Cathleen opened Gilbert Law Office in 2001 and has focused on Estates & Trusts, Probate and Guardianships, Business Law and Family Law in her practice. Cathleen loves going to work every day and helping people by solving their legal problems with the aim to facilitate an equitable outcome. She is married to retired Naval Commander Anthony Gilbert and is the mother of 3 teenage boys, enjoys travel, gardening and has been a Board Member of the Davis Performing Arts Association (CenterPoint Legacy Theatre) since 2012.

Nancy Anderson – Senior Client Experience Manager at KeyBank

Nancy is the Senior Client Experience Manager for Key Private Bank in the Utah market. She has over 25 years of experience in financial planning and wealth management. Nancy guides clients in addressing their most pressing financial issues, such as effective retirement planning, minimizing taxes, protecting assets, leaving a generational legacy and charitable planning. As a Certified Financial Planner and retirement writer for Forbes.com with over six million page views, Nancy has helped millions of people with ideas and tips on saving and investing. She has been featured in the Wall St. Journal, Barron’s, Investor’s Business Daily, Marketwatch, and other publications. Active in her community, Nancy is an official blogger for the Deer Valley Ski Resort, a member of United Way Women, a Financial Planning Association Board member, and a flutist at St. Mary’s Church in Park City.

Katie Wornek – Community Outreach Officer at Utah Higher Education Assistance Authority

Katie is a Community Outreach Officer with the Utah Higher Education Assistance Authority (UHEAA). Through her work at UHEAA, Katie helps student and families across Utah financially prepare for postsecondary education.

Before joining UHEAA, Katie worked at East High School in Salt Lake City as a tutor for a program designed to help first-generation students – usually from low-income families- prepare for higher education.

Katie holds Bachelors of Arts degrees in history and political science from the University of Utah and is currently completing her master’s degree in public administration.

Lynne Ward – Executive Director at my529

Lynne Ward is the Executive Director of my529, Utah’s official nonprofit 529 educational savings plan (formerly known as the Utah Educational Savings Plan). During her 14 years at the helm, my529 assets under management have grown from $950 million to $13 billion.

Lynn is also a member of the Investment Advisory Committee at the University of Utah. Lynne previously served as the Utah governor’s deputy chief of staff and director of the Governor’s Office of Planning and Budget. She served on the boards of the BlueHealthcare bank and Stampin’ Up! She graduated from the University of Utah with a Bachelor of Science in accounting and is a Certified Public Accountant.

Marilyn King Albertson – Associate Professor at University of Utah Extension

During Marilyn’s 34-year career with Utah State University Extension, she has used her expertise in Family and Consumer Sciences and 4-H Youth development education to assist audiences from kindergarten to senior citizens in developing life and financial management skills. She oversees an online Homebuyer Education Course approved by HUD and USDA Rural Development Housing Services and has written curriculum to be used in many of her programs, published professional articles and fact sheets, presented at numerous national and state professional conferences and received numerous awards for service and programming. Marilyn currently serves on many boards, including Utah Jumps$tart, Utah Housing Coalition, Family Self-Sufficiency Coordinating Council for Northern Utah, the Salt Lake County Housing Rehabilitation Loan Approval Committee, and more.

Ann House – University of Utah Personal Money Management Center

Ann established the Personal Money Management Center, a resource for students at the University of Utah. Ann’s center received the Outstanding Financial Counseling Center and the Outstanding Educational Program awards from the Association for Financial Counseling & Planning Education in 2015 and 2016, and the 2018 CashCourse Financial Educator of the Year from the National Endowment for Financial Education. Before building the center, she worked with the state legislature and the state office of education to implement a required financial course in high school, including teacher accreditation and course and student assessments. She is a published author, adjunct instructor, and professional speaker. She wants her clients to learn to become savvy consumers. Ann is also an amateur astronomer, spending her summers in southern Utah gazing at the stars.

Michele Sauk – Vice President and Commercial Relationship Manager at U.S. Bank

Michele helps business owners and companies find solutions to growth challenges and credit needs through business advising and asking the right questions. U.S. Bank has a suite of products that help her find solutions, including loans for working capital, real estate, SBA, and money management. She is a consistent top producer with U.S. Bank and an Annual Legends of Possible winner. Additionally, she was recently named as Utah Business Magazine 30 Women to Watch.

Michele values hard work and integrity, knowing if you help people and do the right thing good things will happen for you. Michele is married to her college sweetheart from Utah State. She is a mom of three children ages 7, 12, and 16, and the whole family are sports enthusiasts who enjoy the outdoors.

Francine Giani – Executive Director at Utah Department of Commerce

Francine is responsible for the department’s mission and the policymaking and management over eight division directors. Previously, she served as Director of the Division of Consumer Protection. Governor Gary R. Herbert appointed Francine as Director of the Department of Alcohol and Beverage Control (DABC) in August 2011 in addition to her role at Commerce. During her tenure, Francine implemented sweeping changes to employee practices and policies after a legislative audit and internal investigation. She is a steadfast consumer advocate who actively participates in public outreach to educate Utah citizens about fraud. Previous to her Cabinet appointment, Francine was press secretary and policy advisor to the late Utah Governor Bangerter and sat on the Centerville City Council. Francine has held many titles during her professional career, but her favorite is “mother” of her twin daughters.

Thomas Brady – Director at Utah Division of Securities

Thomas is responsible for policymaking and management over the Division of Securities. Previous to his appointment in April 2018, he served as the Deputy Director of the Utah Department of Commerce. Before his position in Commerce Administration, Thomas was with the Utah Division of Securities for over three years both as a Securities Analyst and Director of Enforcement. In addition to his duties as an expert witness in securities cases, he was a special prosecutor designee for the Utah County Attorney and Summit County Attorney. He has also served as an Administrative Law Judge for various Boards within the Department of Commerce. Thomas graduated with a Juris Doctor from Michigan State University College of Law where he was chapter President of the J. Reuben Clark Law Society and was a member of the Business Law SocietyThomas is married with five children.

Ann Marie Wallace – State Director at Women’s Business Center of Utah

Ann Marie grew up on a dairy farm in northern Utah. Her cow milking days ended when she started attending Snow College and later transferred to USU where she graduated in marketing.

After working in hotel management, she became a WBCUtah Client, launched her own small business, and was later hired to mentor other women.

Now, Ann Marie oversees the center which helped her become an entrepreneur.

Kimberli Green, Business Development Manager at America First Credit Union

Kimberli has served in many capacities during her 20 years in the credit union industry, from the teller line, call centers, collections, lending, corporate training and branch management. She found her passion in sales and relationship building when visiting businesses and serving her community as a branch manager. In 2014, she selected to head the pilot committee of a Business Development program and later was given the reins to create a new department for AFCU, a $10 billion-dollar organization. Three years later, she still manages this dynamic sales team covering three states, 130+ branches, and 5000 + Select Employer Group relationships. Kimberli appreciates the importance of community. She recently served as Chair of Women in Business, a committee with 200+ professionals in the Ogden/Weber community. When it comes to work, community, and family, Kimberli is all in.

Mickie Douglas – Public Affairs Specialist at Social Security Administration

Mickie has been with the Social Security Administration for over 30 years. She has held various positions within Social Security during her career.

As a Public Affairs Specialist during the past 15 years, she has been a speaker on various Social Security topics on numerous occasions and has written many articles for the media. She has written and talked about the types of benefits Social Security administers, how to qualify for benefits and the need to educate yourself about Social Security and begin to plan early. She has a continuing goal to educate and inform the citizens of Utah about Social Security’s various programs.

Amanda Christensen – Associate Professor at USU Extension and Editor at Utah Money Moms

Amanda is an Associate Professor for USU Extension, specializing in personal and family finance. She has authored fact sheets, grants, national award winning curriculum, T.V., and radio segments related to personal finance throughout her career.

Amanda is editor of the Utah Money Moms website and social media platforms where she shares real- life money smarts for women of all ages.

Amanda’s favorite things include Yellowstone National Park, the Utah Jazz, and attending the Hale Center Theatre.

Sandra Hill – Vice President at Fidelity Investments

Sandra has been a trusted advisor to high net-worth clients for over 26 years. As a Vice President at Fidelity Investments, Sandra combines her deep understanding of financial markets with an innate ability to connect with individuals on a personal level.

Sandra is driven by a belief that everyone deserves to be financially prepared for a secure, fulfilling future. To that end, she leverages industry-leading research and financial planning to guide her clients through each of the phases of their individualized financial journey.

Kristiane Koontz, Women Tech Council and Director of Banking Transormation at Zions Bank

Kristiane is Director of Banking Transformation for Zions Bancorporation where she leads technology- driven business transformation programs for the bank. Prior to joining Zions, Kristiane was a Director in PwC’s Digital Banking Consulting practice. Past accomplishments include launching Zions’ core banking platform for commercial loans, leading a multi-year technology transformation for the mortgage division of a large regional bank, leading the technology program for Silicon Valley Bank’s first international expansion, and helping an international card brand to launch its Digital Wallet product. Kristiane founded and ran an internet marketing startup prior to joining PwC. She is a founder, advisory board member and former president of The CLUB, a non-profit in Silicon Valley / Bay Area dedicated to advancing women in leadership and Co-Chair of the Zions Bank Diversity Council.

Debbie Booth – Information Specialist at Utah Adult Protective Services

Debbie is the Information Specialist with the Utah State Division of Aging and Adult Services, specifically Adult Protective Services.

Debbie is passionate about the mission of APS and strives to provide education about the signs of abuse, neglect and exploitation of vulnerable adults.

Debbie brings past experience in education, non-profits and private sector environments.

Chris Lehosky – Utah Adult Protective Services Auditor

Chris is the Utah State Auditor for Adult Protective Services. She provides leadership and coordination of Financial Exploitation cases.

Chris holds a Bachelor’s degree in Criminal Justice Administration and has 35 years’ experience identifying and investigating financial fraud; providing analysis for both civil and criminal cases.

Chris has conducted hundreds of financial investigations and has worked closely with worldwide Investigators and Law Enforcement Agencies. Chris has testified in State court and her analysis and documents have been presented as evidence in multiple criminal courts across the globe.

Hon. Kevin Anderson, Utah Bankruptcy Judge

Prior to his appointment as a bankruptcy judge for the District of Utah in September of 2015, Judge Anderson served for 17 years as the Standing Chapter 13 Trustee for the District of Utah. During this time, he administered over 70,000 Chapter 13 cases. Judge Anderson was elected president of the National Association of Chapter 13 Trustees (NACTT), and he also served on several national committees regarding Chapter 13 legislation, rules, forms, and policy. He is also a Fellow in the American College of Bankruptcy. Prior to his appointment as Chapter 13 trustee, Judge Anderson practiced for thirteen years as a commercial litigator with an emphasis in civil fraud, real property, and representing Chapter 11 and Chapter 7 trustees. He also clerked for the Honorable David N. Naugle, Bankruptcy Judge for the Central District of California.

Ellen Billie, AAA Fair Credit Foundation

Ellen is a Certified Personal Financial Counselor and Programs Director for AAA Fair Credit Foundation. A 2009 graduate of the University of Southern Maine, Ellen joined Fair Credit Foundation’s financial counseling team in 2015 in the Debt Management Program. She now manages the daily operations, licensing, and ongoing training and supervision of the certified personal finance counselors at Fair Credit Foundation. Ellen has passion for and commitment to building strong financial futures for individuals and families who have fallen into debt. Over the past year, Ellen has assisted in the design and rollout of a new and innovative program which helps low income individuals refinance predatory loans.

Utah Financial Empowerment Coalition Board

Susan Speirs, Chair Erin Jemison, Vice Chair Brittany Griffin, Secretary/Treasurer Danny Harris, Director Jesse Mecham, Director Pat Jones, Director Susan Madsen, Director

Thanks to members of the Utah Council on Financial and Economic Education, partner organizations, and our generous sponsors. Without their support, this would not be possible.

Conference Sponsors

Title Sponsor

Gold Sponsors

Silver Sponsors

Bronze Sponsors

Utah Office of the State Treasurer 350 N. State Street, Suite 180 Salt Lake City, UT 84114 treasurer.utah.gov womeninthemoney.org

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