PSNC 2020: Opening Remarks, Considering Health Expenses in Retirement Planning

Since joining Fidelity in 2005 as Vice President, Emerging Products, Will Applegate has served as Product Manager for both Health & Welfare Administration and the Fidelity HSA® (Health Savings Account). He also served as the team leader for the Fidelity HSA® product launch and led HSA business development efforts for the Fidelity HSA®. In his current role, Will has responsibility for Fidelity’s relationships with intermediaries with a focus on the distribution of our health offerings, as well as industry events. Prior to joining Fidelity, Will developed Mellon Financial Corporation’s HSA product offering following Mellon’s acquisition of Kwasha Lipton. Will’s prior roles at Kwasha Lipton included managing large benefit outsourcing relationships, developing one of the first H&W administration platforms, and consulting with employers on health care plan design, pricing, and vendor selection. Will graduated from Colgate University with a Bachelor of Arts in Computer Science and holds FINRA Series 7 and 63 licenses. He is an influential figure on the topic of emerging health care consumerism and is a frequent speaker at industry conferences.

Scott Thoma began his career with Edward Jones in May 2000 and is responsible for the Strategy team in Research, which includes Investment Strategy and Client Needs Research. Thoma focuses on developing the firm’s advice and guidance based on clients’ needs, including the guidance for clients preparing for and living in retirement. He is also co-chair of the firm’s Investment Policy Committee. From 2008 to 2011, Thoma served as director of investment advice for the firm’s advisory programs. Prior to that, he served as the lead medical device analyst in Research for more than six years and as a market strategist, focusing on issues for investors in retirement.

Thoma was named a limited partner with the firm in 2006 and a principal in 2012. Thoma graduated summa cum laude from Southern Illinois University-Edwardsville in 1998 with a bachelor’s degree in business administration, with an emphasis in finance and economics. He earned a master’s degree in economics and finance from Southern Illinois University-Edwardsville in 2000. Thoma has served as an instructor of corporate finance and banking/risk management at SIUE. He earned his Chartered Financial Analyst designation in 2003 and is a member of the CFA Institute and the CFA Society of St. Louis. He earned his CFP® designation in 2016. Thoma has been a guest on CNBC’s Squawk on the Street, PBS’ Nightly Business Report and Bloomberg and has been quoted in such publications as The Wall Street Journal, Kiplinger’s and the Boston Globe. He was named to the St. Louis Business Journal’s “40 Under 40” list in 2015. Scott is regularly featured in the media and is a contributor to Edward Jones Market Insights.

Eva Kalivas an ERISA 3(21)(a) and 3(38) investment manager has been a financial advisor since 1990. She is an Accredited Investment Fiduciary and currently holds her Series 65 with Global Retirement Partners. In addition, Ms. Kalivas is licensed with several State Insurance Departments. Insurance licensing includes Life, Health, Disability and Casualty.
Eva graduated Magna Cum Laude from Saint John’s University in 1991 with a Bachelor’s Degree in Business Management. Her career began at Prudential, initially as a Registered Representative, and was later promoted to a Sales Manager.
Eva joined HUB International’s Northeast Division in September of 2019, as Senior Vice President of Retirement and Wealth Management. In 1999, Eva co-founded EPIC Retirement Services Consulting, LLC. EPIC specializes in the area of qualified retirement plans and provides complete independent and unbiased consultative advice. EPIC is built around providing Excellence, Principle, Integrity and Care to both institutional and individual clients alike, nationwide.
Eva is a member of Women in Pensions, Beta Gamma Sigma, the Golden Key Honor Society, the National Association of Women Business Owners and the Hellenic American Women’s Council. The National Association of Plan Advisors named Eva to its 2019 List of Top Women Advisors in the “Captains” category*, acknowledging her contribution to the retirement industry and for bringing excellence to the profession. In 2020 Eva received her Certified Plan Fiduciary Advisor designation (CPFA) through The National Association of Plan Advisors (NAPA)
Eva is the author of the book, the second edition of “I Get Knocked Down – A Woman’s Survival Guide to Business and Life”. The first edition of her book was published in 2008 and is currently selling nationwide. Eva has spoken at numerous events in relation to her book and her overall experience in the workplace. For more information, kindly visit Eva’s website at www.evakalivas.com.
Eva is happily married to Bob and they are proud parents of their daughter, Nikolette.