The way we think about money has changed: how we save, what we spend it on, and how to find that balance between seeking opportunity and mitigating risk. CNBC’s Your Money convenes top financial experts to explore ways to maximize your finances while navigating challenges such as inflation, building a financial safety net, and investing for a brighter future.
Gargi Pal Chaudhuri, Managing Director, is Head of iShares Investment Strategy Americas. Based in New York, she and her team focus primarily on delivering global macro thought leadership, investment insights and content to both retail and institutional clients of the firm. With over two decades of experience in the financial services industry, Gargi has built her career around portfolio management in the fixed income markets, trading and macro strategy.
She joined BlackRock’s Global Fixed income group as a sector specialist in 2010, focusing on real and nominal rate relative value and trading. In 2013, she transitioned to the global inflation portfolio management team as senior portfolio manager, focusing on alpha generation, risk management and portfolio positioning for global inflation-linked bond portfolios, including BRIP and GILB. From 2017 to 2020, she served as a member of the Fixed Income Product Strategy team for the Global Fixed Income (GFI) business as head of Platform Strategy and Canadian fixed income, focusing on global macro thought leadership applied to platform conversations with institutional and retail clients.
Prior to joining BlackRock, she spent nine years on the sell side at Jefferies & Co. and Merrill Lynch. As a VP at Jefferies & Co., she ran the US inflation trading desk, built the Treasury Inflation Protected Securities (TIPS) franchise and provided liquidity in TIPS to institutional clients. She began her career in 2001 on the government bond trading desk at Merrill Lynch, focusing on providing liquidity and market making in TIPS and treasury securities.
She graduated magna cum laude with a bachelor’s degree in accounting and psychology from Ohio Wesleyan University in 2001.
Outside of BlackRock, she is an avid runner, hiker and a triathlete and has completed multiple marathons, ultra-marathons, half Ironmans and the New York Ironman.
Jim Cramer believes there is always a bull market somewhere, and he wants to help you find it. He is host of CNBC's "Mad Money," (M-F, 6PM ET) featuring lively guest interviews, viewer calls and most important, the unmatched, fiery opinions of Cramer himself. He serves as the viewer's personal guide through the confusing jungle of Wall Street investing—navigating through both opportunities and pitfalls with one goal in mind—to help them make money.
Cramer is also co-anchor of the 9 a.m. ET hour of CNBC's "Squawk on the Street" (M-F, 9AM-11AM ET) and the founder of TheStreet, a multimedia provider of financial commentary.
He graduated from Harvard College where he was president and editor-in-chief of the prestigious daily, The Harvard Crimson. After graduation, he became a reporter for the Tallahassee Democrat and later for the Los Angeles Herald Examiner, where he covered stories ranging from homicides to sporting events.
Cramer is a former hedge fund manager and founder/owner and senior partner of Cramer Berkowitz. His compounded rate of return was 24 percent after all fees for 14 years at Cramer Berkowitz. He retired from his hedge fund in 2001, where he finished with one of the best records in the business, including having 36 percent-plus year in 2000.
He helped Steve Brill launch American Lawyer magazine before attending Harvard Law School and earning a law degree. Upon graduating and passing the New York State Bar Examination and being admitted to the N.Y. State Bar, Cramer joined Goldman Sachs in sales and trading. While at Goldman, Cramer wrote for The New Republic about stock market issues.
In December 2013, he published the book, "Jim Cramer's Get Rich Carefully," in which he creates a guide to high-yield, low-risk investing. Cramer is also the author of "Jim Cramer's Getting Back to Even," "Stay Mad for Life: Get Rich, Stay Rich," "Mad Money: Watch TV, Get Rich," "Jim Cramer's RealMoney" and "Confessions of a Street Addict."
Marguerita (Rita) Cheng helps educate the public, policy makers, and media about the benefits of competent, ethical financial planning. The chief executive officer of financial advisory firm, Blue Ocean Global Wealth, Rita helps people meet their life goals through the proper management of financial resources. She is passionate about helping them navigate some of life’s most difficult issues—divorce, death, career changes, caring for aging relatives—so they can feel confident and in control of their finances. She takes pride in her ability to make a difference in people’s lives, by helping them gain clarity when times are tough. Rita also volunteers her time as a SoleMate, or charity runner for Girls on the Run, raising money to win scholarships for girls.
Marguerita is a Certified Financial Planner® (CFP®) professional, a Chartered Retirement Planning Counselor, Retirement Income Certified Professional®., and a Chartered SRITM Counselor (CSRIC®). She is a member of the CNBC Financial Advisor Council. As a Certified Financial Planner Board of Standards (CFP Board) Ambassador, She helps educate the public, policy makers, and media about the benefits of competent, ethical financial planning.
She is a regular columnist for Kiplinger & US News & World Report, and a past spokesperson for the AARP Financial Freedom Campaign. In addition, she serves as a Women’s Initiative (WIN) Advocate and a member of the Diversity Advisory Group (DAG) for the CFP Board.
In 2021, she was named the #7 Most Influential Financial Advisor in Investopedia Top 100. In 2017, she was named a Woman to Watch by InvestmentNews.
Tori Dunlap is an internationally-recognized millennial money and career expert. After saving $100,000 at age 25, Tori quit her corporate job in marketing and founded Her First $100K to fight financial inequality by giving women actionable resources to better their money. She has helped over one million women negotiate salary, pay off debt, build savings, and invest.
Called “the voice of financial confidence for women” by CNBC, her work has been featured in The New York Times, Good Morning America, BBC, the TODAY Show, BuzzFeed, PEOPLE Magazine, New York Magazine, TIME Magazine, Forbes, Refinery29, Yahoo, MarketWatch, and more.
Tori has collaborated with companies like Dell, Blackrock, John Hancock, Four Seasons, Citi Bank, Fidelity, and Personal Capital, and given talks and workshops at Microsoft, WeWork, and Shopify.
With a dedicated following of over 125,000 on Instagram and over 930,000 on TikTok —and multiple instances of her story going viral—Tori’s unique take on financial advice has made her the go-to voice for ambitious millennial women.
Before becoming a full-time entrepreneur, Tori led organic marketing strategy for Fortune 500 companies—with clients like Amazon, Apple, Facebook, Nike, the NFL, and the Academy Awards—and global financial technology start-ups. For almost five years, she specialized in social media, SEO, content, and influencer marketing to grow community and increase awareness.
Tori now travels the world writing, speaking, and coaching about personal finance, online businesses, side hustles, and confidence for millennial women.
12:00pm ET
Tyler Mathisen, CNBC “Power Lunch” Co-Anchor and events strategy Vice President
Carol Waddell, Empower Retirement Executive Vice President, Head of Retirement Solutions Group
Investing icon and host of CNBC’s Mad Money, Jim Cramer, will kick off our event sharing key financial advice, market insights, and answering your questions.
Jim Cramer, CNBC Host of “Mad Money” & Co-Anchor “Squawk on the Street”
Moderated by: Tyler Mathisen, CNBC “Power Lunch” Co-Anchor & Vice President, Events Strategy
Watch the full interview
Inflation is a byproduct of the pandemic and some investors predict it may stick around for the foreseeable future. We’ll examine how to maximize gain and minimize risk in this new economy.
Marguerita Cheng, Blue Ocean Global Wealth CEO
Gargi Pal Chaudhuri, BlackRock Head of iShares Investment Strategy
Moderated by: Dominic Chu, CNBC Senior Markets Correspondent
Watch the full interview
He amassed over $100M during his 13-year NBA all-star career, but two years after he retired, Antoine Walker filed for bankruptcy. We’ll discuss the money mistakes he made, and the lessons he wants everyone to learn from.
Antoine Walker, former NBA player
Moderated by: Sharon Epperson, CNBC Senior Personal Finance Correspondent
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Challenges such as inflation and unemployment are affecting how we spend, save, and invest. Our panel of experts are armed with answers to your questions on all things money.
Winnie Sun, Sun Group Wealth Partners Managing Partner
Tim Maurer, Triad Financial Advisors Head of Wealth Management
Delyanne Barros, Delyanne The Money Coach Founder
Moderated by: Sharon Epperson, CNBC Senior Personal Finance Correspondent
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The game of chess just may hold the secrets to achieving financial success. We’ll examine key strategies and principles one grandmaster teaches to Fortune 500 companies, including looking for opportunities, weighing outcomes, tapping into your intuition, and making the most of your strengths.
Maurice Ashley, International Chess Grandmaster
Moderated by: Jane Wells, CNBC Special Correspondent
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1:10pm
Navigating a Bull Market in Uncertain Times
SPONSORED AND PROGRAMMED BY EDWARD JONES
The S&P has returned an impressive 21 percent through October 2021, but does this bull market still have legs? As investors weigh concerns over Covid-19, inflation, the Federal Reserve, and the labor market, what’s been driving returns? This session will focus on current investment themes and challenges as we head into the final months of the year and look ahead into 2022.
Mona Mahajan, Edward Jones Senior Investment Strategist
Moderated by: Rhonda Schaffler, Business Anchor
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Financial Wellness in a Changing World
SPONSORED AND PROGRAMMED BY EMPOWER RETIREMENT
The pandemic may have adjusted our definition of financial wellness. In fact, new research from Empower Retirement reveals what it takes for most Americans to feel financially well in these changing times. This discussion looks at the concept of financial wellness, and ways most people can improve their overall financial wellbeing.
Steve Jenks, Empower Retirement Chief Marketing Officer
Carol Waddell, Empower Retirement Executive Vice President, Head of Retirement Solutions Group
Moderated by: Caroline Woods, Business Journalist
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Integrating Technology into Personal Finance
SPONSORED AND PROGRAMMED BY SOFI
Technology, when combined with personal finance, tends to get a bad rap. People worry about investment decisions influenced by social media or the risk of overspending thanks to the ease of one-click purchases. In this session, we will break down some major fintech myths and discuss some simple ways technology can be leveraged to improve finances and make users better investors.
Brian Walsh, SoFi Senior Manager and Financial Planner
Liz Young, SoFi Head of Investment Strategy
Moderated by: Shibani Joshi, Technology Journalist
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1:30pm
As the popularity of commission-free online trading has exploded, so too has the demand for financial advice. We’ll meet one member of a new generation taking aim at traditional investment managers to talk strategy, social media, and how she turned her blog into a million-dollar business.
Tori Dunlap, Her First 100k Founder
Moderated by: Seema Mody, CNBC Reporter
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Cryptocurrency is all the rage right now, but is it a good option to build personal wealth long term? We’ll examine that question, and discuss how to choose a cryptocurrency and platform that’s right for you.
Spencer Dinwiddie, NBA, Washington Wizards
Interviewed by: Kelly Evans, CNBC “The Exchange” Anchor
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Tyrone Ross, Onramp Invest CEO
Interviewed by: Kate Rooney, CNBC Technology Reporter
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2:00pm
Engage with fellow attendees, and ask questions directly to our money experts, in order to best navigate the challenges of today, and successfully plan for tomorrow.
Tyrone Ross, Onramp Invest CEO
Winnie Sun, Sun Group Wealth Partners Managing Partner
Moderated by: Sharon Epperson, CNBC Senior Personal Finance Correspondent
2:30pm
Edward Jones, a FORTUNE 500 firm headquartered in St. Louis, provides financial services in the U.S. and, through its affiliate, in Canada. Every aspect of the firm’s business, from the investments its financial advisors offer to the location of its branch offices caters to individual investors. The firm’s nearly 19,000 financial advisors serve more than 7 million clients with a total of $1.7 trillion in client assets under care.
The Edward Jones website is at www.edwardjones.com, and its recruiting Web site is www.careers.edwardjones.com. Member SIPC.
Since its inception, Empower has been guided by a vision to help Americans achieve the future they imagine. We take great pride in helping people with saving, investing and advice, while providing them with the tools and resources they need to help reach their financial goals.
We strive to meet the unique needs of everyone we serve and embrace the opportunity to inspire them along their journey. That’s why we take a collaborative approach driven by personalization, simplification and exceptional service.
The genesis of Empower dates back to 1891, when our parent company was founded as an insurance provider on the Canadian prairie. After more than a century of expansion and a profound evolution of service offerings, the modern iteration of Empower was launched in 2014, when the retirement businesses of Great-West Financial and Putnam Investments came together to form an integrated workplace retirement savings company.
Headquartered in metro Denver, Empower is now the second-largest retirement plan provider in the United States, proudly serving over 69,000 organizations and more than 17 million individuals[1]. We serve all segments of the employer-sponsored retirement plan market: government 457 plans; small, mid-size and large corporate 401(k) clients; nonprofit 403 (b) entities; private-label recordkeeping clients; and IRA customers. Personal Capital, a subsidiary of Empower, is an industry-leading hybrid wealth manager.
[1] As of April 1, 2022. Information refers to all retirement business of Empower Annuity Insurance Company of America (EAIC), formerly known as Great-West Life & Annuity Insurance Company, and its subsidiaries, including Empower Retirement, LLC; Empower Life & Annuity Insurance Company of New York (ELANY), formerly known as Great-West Life & Annuity Insurance Company of New York; and Prudential Retirement Insurance & Annuity Company (PRIAC), marketed under the Empower brand.
Securities, when presented, are offered and/or distributed by Empower Financial Services, Inc., Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC; Empower Funds, Inc.; and registered investment adviser Empower Advisory Group, LLC. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice.
SoFi is a mobile-first personal finance company helping our members borrow, invest, save and protect their money for life’s ambitions. Our mission is to help our members achieve financial independence and realize their ambitions, all in one App. Our all-in-one solution includes:
Visit SoFi.com.
Suze Orman has been called “a force in the world of personal finance” and a “one-woman financial advice powerhouse” by USA Today. A two-time Emmy Award-winning television host, New York Times mega bestselling author, magazine and online columnist, writer/producer and one of the top motivational speakers in the world today, Orman is undeniably America’s most recognized expert on personal finance.
Orman is the contributing editor to O, The Oprah Magazine, The Costco Connection Magazine and is in her 12th year as host of the award-winning Suze Orman Show, which airs every Saturday night on CNBC. Over her television career, Orman has accomplished that which no other television personality ever has before: Not only is she the single most successful fundraiser in the history of Public Television, but she has also garnered an unprecedented nine Gracie Awards, more than anyone in the 37-year history of the prestigious award. The Gracies recognize the nation’s best radio, television and cable programming for, by and about women.
In January 2013, The Television Academy Foundation’s Archive of American Television honored Orman’s broadcast career accomplishments with her recent inclusion in its historic “Emmy TV Legends” interview collection.
In 2010, Orman was honored with the Touchstone Award from Women in Cable Telecommunications, was named one of “The World’s 100 Most Powerful Women” by Forbes and was presented with an Honorary Doctor of Commercial Science degree from Bentley University. In the same year, Orman received the “Gracie Allen Tribute Award” from the American Women in Radio and Television (AWRT). (The Gracie Allen Tribute Award is bestowed upon an individual who truly plays a key role in laying the foundation for future generations of women in the media.)
In October 2009, Orman was the recipient of a Visionary Award from the Council for Economic Education for being a champion on economic empowerment. In July 2009, Forbes named Orman 18th on their list of “The Most Influential Women In Media.” In May 2009, Orman was presented with an honorary degree Doctor of Humane Letters from the University of Illinois. In May 2009 and May 2008, Time magazine named Orman as one of the “TIME 100, The World’s Most Influential People.” In October 2008, Orman was the recipient of the National Equality Award from the Human Rights Campaign.
In April 2008, Orman was presented with the Amelia Earhart Award for her message of financial empowerment for women. Saturday Night Live has spoofed Suze six times during 2008-2011. In 2007, Businessweek named Orman one of the top 10 motivational speakers in the world—she was the ONLY woman on that list, thereby making her 2007′s top female motivational speaker in the world.
Orman, who grew up on the South Side of Chicago, earned a bachelor’s degree in social work at the University of Illinois, and at the age of 30 was still a waitress making $400 a month.
Brandon Copeland is an entrepreneur and professional athlete playing in his 8th NFL season as starting linebacker for the New England Patriots. He received his bachelor’s degree in management and entrepreneurship from the University of Pennsylvania (Penn) in 2013. Off-the-field, Copeland is involved in a number of different business endeavors. He and his wife, Taylor, own and operate two real estate companies, as well as a nonprofit organization, “Beyond the Basics,” which helps young children reach their true potential. Copeland also serves as a professor at Penn, teaching undergraduates about financial literacy through a course called “Life 101.” Ultimately, his goal is to reduce the wealth gap by arming young adults with the tools needed to make smart money decisions. He is also exploring the film industry, currently working to bring a few of his creative ideas to life.
Eesha Sharma is Associate Professor of Business Administration at Dartmouth College’s Tuck School of Business. She earned a BSc in Finance and Marketing, an MPhil, and a PhD in Marketing at the NYU Stern School of Business. Prior to academia, she worked as an investment banking analyst in the Financial Institutions Group (FIG) at Goldman Sachs. Professor Sharma’s research revolves around consumer financial wellbeing, and how psychology and marketing can be used to understand and improve it. She is particularly interested in how consumers react to perceived scarcity, financial constraints, and poverty—both in their own lives and in the lives of others. Using a combination of behavioral experiments and field studies, she examines topics such as: how people behave when they feel poor, why people give to charity, and what factors may improve and/or worsen consumer financial decision making. Her work has been published in top journals including Journal of Consumer Research, Journal of Consumer Psychology, Organizational Behavior and Human Decision Processes, and Journal of Experimental Psychology: Applied. She teaches the MBA Consumer Insights elective at the Tuck School of Business.
Tiffany “The Budgetnista” Aliche, is an award-winning teacher of financial education and is quickly becoming America’s favorite, personal financial educator. The Budgetnista is also an Amazon #1 bestselling author of The One Week Budget and the Live Richer Challenge series.
Through her company, The Budgetnista, Tiffany has created a financial movement that has helped over 1 million women worldwide collectively save more than $200 million, and pay off over $100 million in debt, purchase homes and transform the way they think about their finances. These women that participate in this global movement call themselves, Dream Catchers.
Tiffany credits her experience as a preschool teacher for 10 years in Newark, NJ for defining her purpose behind The Budgetnista…education.
In 2019, Tiffany transformed her commitment into legislation when she partnered with Assemblywoman Angela V. McKnight to write a bill that was later signed into Law A1414 (The Budgetnista Law). This law made it mandatory for financial education to be integrated into all middle schools in New Jersey.
To further her mission Tiffany has created and teaches numerous financial classes both online and in person. Her signature course is her annual, Live Richer Challenge with over 900,000 women participating in one or more of her Challenges.
She also blogs about personal finance for The Huffington Post and The Budgetnista Blog, co-hosts an award-winning podcast, Brown Ambition, and has an online school, the Live Richer Academy that teaches women how to create, implement and automate their own financial education path.
The Budgetnista and her financial advice have been featured on Good Morning America, the TODAY show, PBS, TIME, The New York Times, The Wall Street Journal, Reuters, ESSENCE Magazine, FORBES, Fox Business, MSNBC, CNN/HLN. She is also the featured financial expert for the popular daytime talk show, The Real.