Since Betterment launched in 2010, our mission has been to improve the way people save and invest through smarter technology. Now, we are changing how people do this in 401(k)s with a service that's better for both employers and employees.
Betterment for Business was founded because we believe that receiving financial advice for retirement should be a fundamental right.
We've assembled an expert team of 401(k) professionals, engineers, product specialists, and designers. Together they create a product that makes employers' lives easier and their employees' lives better.
Amy Ouellette, CFP, ERPA, QPA, QKA
Senior Business Success Executive, Betterment for Business
Cynthia Loh, CFA
General Manager, Betterment for Business
Tom Conlon, TGPC
Business Success Executive, Betterment for Business
Head of Sales
We’ve carefully selected industry leaders in the pension industry to lend their knowledge and expertise to ensure we are delivering a best-in-class product for plan sponsors and participants. We help employers focus on what matters most — their employees.
Director of Global Benefits, Google Inc.
John joined Google in 2010 and currently leads the global benefits team. His main areas of focus include driving the financial benefits strategy and managing Google’s 401(k) and deferred compensation plans. A key part of his strategy is to use a data-driven approach to optimize the effectiveness, efficiency and user experience of the employee benefit programs.
Prior to joining Google, John was a partner at Mercer where he led their international benefits group for the West Coast of the United States. During his 10 years with Mercer, he consulted with multinational companies on areas such as global benefits strategy, benchmarking, mergers & acquisitions, actuarial valuations and employee mobility.
John is a Fellow of the Institute of Actuaries and earned a first class Bachelor of Actuarial & Financial Studies degree from the University College Dublin, Ireland.
Thomas E. Clark Jr., JD, LLM
Partner, The Wagner Law Group
Tom leads the St. Louis office of The Wagner Law Group, a law firm specializing in ERISA & Employee Benefits. Tom's expertise encompasses all aspects of employee benefits programs, including the design, implementation, and compliance of retirement plans, health and welfare plans, and executive and incentive compensation arrangements.
Tom teaches ERISA Fiduciary Law as an Adjunct Professor at the Washington University in St. Louis School of Law, his alma mater. He is a co-author of the forthcoming Second Edition of ERISA: Principles of Employee Benefits Law, the only treatise of its kind that provides an overview of the regulation of employee benefit plans by highlighting the central principles and competing policies of employee benefits law.
Managing Director & Chief Investment Officer, IBM Retirement Funds
Since mid-2007, Ray Kanner has headed IBM's global Retirement Funds in White Plains, NY, overseeing approximately $150 billion of IBM pension and savings funds worldwide. He joined the Retirement Funds in 1993 with responsibility for IBM's Savings Plan. He assumed responsibility for non‑US Equities in 1995 and was promoted to Director of Global Equities in 1998.
He earned an MBA and MPh from New York University and a BS from Brooklyn College. He has held various part-time teaching positions at NYU, Brooklyn College and Long Island University. He is currently a board member of the Emerging Markets Growth Fund, an advisory board member on a number of private equity funds, and an investment committee member on a few philanthropic foundations.
Former Fortune 500 Chief Investment Officer and Policy Expert
Judy served as Deputy Assistant Secretary for Policy in the Employee Benefits Security Administration of the Department of Labor from October 2013 until January 2017. In that capacity, Judy was a member of the leadership team developing the Fiduciary Rule, the Department’s guidance on ESG Investing and Shareholder Engagement among other projects.
Prior to joining the Labor Department, Judy was a Chief Investment Officer for several Fortune 500 companies including General Mills, Ameritech and Alliant Techsystems. In that capacity she managed the assets of their defined benefit and defined contribution plans.
Judy headed Mares Financial Consulting, a consulting firm focused on Strategic Planning for Investment Firms, from 1997–2006. Judy has served on the Minnesota State Board of Investments Advisory Council, the University of Minnesota Endowment’s Investment Advisory Committee, Advisor to the Defined Contribution Institutional Investment Association (DCIIA) and member and leadership at the Committee for the Investment of Employee Benefit Assets (CIEBA). Judy has a B.S. in Mathematics from Purdue University and an M.B.A. from the University of Illinois.
Laraine McKinnon is founder of LMC17, a strategic consulting firm that blends behavioral science, big data and practical implementation ideas to address hard to solve problems. The firm focuses on retirement issues, diversity & inclusion and talent development.
Laraine is a retirement readiness expert who is known for her work optimizing participant directed savings plans to deliver better outcomes in retirement. Throughout her career at BlackRock, Barclays Global Investors, and Wells Fargo Nikko Investment Advisors, Laraine worked with some of the largest employers globally. Her thought leadership includes sophisticated analytics, employee engagement through financial wellness, workforce strategy, and removing behavioral roadblocks.
Laraine also builds diversity & inclusion programs to help onboard, retain and promote diverse talent. She is the founder of a women’s leadership incubator in Silicon Valley and sits on the Board of The CLUB Silicon Valley. Laraine earned a BA degree, cum laude, in political science and women's studies from Wellesley College.
Retirement Industry Strategist
Stig is committed to being a catalyst for positive change in preparing the average American to retire with dignity.
His 25 years of industry tenure include a series of leadership positions within the retirement plan business, all with a consistent focus on participant outcomes. His roles have exposed him to a variety of experience, ranging from business development to operational excellence, the combination of which provides unique insight into how organizations can thrive by doing the right thing.
He is an award winning author for Transform Tomorrow: Awakening the Super Saver in Pursuit of Retirement Readiness; “Best Book Awards” in the social change and business investing categories. He has served on several advisory boards, including the National Association of Pension Advisors, Employee Benefits Research Institute, RetirementJobs.com, and was formerly president of Transamerica Retirement Services.
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