1. William Reichenstein, CFA, is the Pat and Thomas R. Powers Chair in
Investment Management at Baylor University, Waco, Texas, and principal at
Retiree, Inc.
2. Stephen M. Horan, CFA, CIPM, is head of university relations and
private wealth at CFA Institute, Charlottesville, Virginia.
3. William W. Jennings, CFA, is professor of finance and investments at
the U.S. Air Force Academy, Colorado Springs, Colorado.