Todd Millay is the Managing Director of Choate Investment Advisors. In connection with overseeing the investment strategy and day-to-day operations of Choate Investment Advisors, the firm's registered investment advisor subsidiary, Todd works closely with Choate's wealth management team of lawyers, tax preparers and trusts and estates administrators to provide clients with objective, integrated solutions to their wealth management needs. Prior to joining the firm, he was a partner at CCC Alliance, a consortium of family offices, where he was responsible for managing alliances, leading strategic projects and delivering member services. During this time, Todd also served as the founding Executive Director of the Wharton Global Family Alliance, the research center on family wealth and family business at the Wharton School. As consultant in the Boston and Madrid offices of McKinsey & Company for five years, Todd specialized in serving financial institutions. During his tenure at McKinsey, he worked with senior management at major financial services companies in both the United States and Europe, providing strategic advice on a range of investment opportunities and operational improvements. After graduating from Yale Law School, he served as Managing Clerk for the Honorable Sandra L. Lynch on the US Court of Appeals for the First Circuit. Todd was chosen as one of 40 emerging business leaders for the Boston Business Journal's 2008 "40 Under 40" award. He is a frequent speaker at investment conferences and has written for various publications on business and investing.

Sandip A. Bhagat is a principal at Vanguard and head of equities. Mr. Bhagat has direct oversight responsibility for all passive and active equity portfolios and alternatives strategies managed by Vanguard Quantitative Equity Group. He has more than 20 years of experience in investment management in the areas of quantitative equity, asset allocation, alternatives, currencies, and derivatives. Before joining Vanguard in 2009, Mr. Bhagat was head of global asset allocation and systematic strategies at Morgan Stanley Investment Management from 2004 to 2008. Before that, he was managing director at Citigroup Asset Management. He began his career in 1987 at Travelers Investment Management Company, where he eventually became chief investment officer. Mr. Bhagat, a CFA charterholder, earned a B.S. in chemical engineering from the University of Bombay and an M.S. in chemical engineering and M.B.A. from the University of Connecticut.

Sean is a Managing Director and research consultant in the Arlington, Virginia office, specializing in writing about the capital markets and investment trends. Before Sean joined Cambridge Associates in 2005, he was global director of public and media relations at Lipper Inc. a subsidiary of Reuters Group Plc. In this role, he communicated the firm’s mutual-fund research to journalists and clients, launched Lipper Leader fund ratings, and supervised a media team based in the US, Europe and Asia. Before joining Lipper, Sean oversaw the investor relations and communications functions for TheStreet.com, Inc., a financial news firm. Sean graduated from The Colorado College. He has earned the Chartered Financial Analyst designation.

Twenty-eight years of experience in economic and financial market research. Previously, Managing Editor at BCA Research. Founded the firm's Premium Service, focusing on tactical asset allocation and supporting major clients. Worked at brokerage firms as Regional Equity Strategist in Hong Kong and Latin America Equity Research Director in Mexico City. Masters in Economics from Pennsylvania State University and B.A. in Economics from the University of Maryland.