Kelly Welles is President of Welles Financial Services. She brings more than 25 years of corporate banking, investment, insurance, and business consulting experience to helping business owners and individuals achieve greater financial security. In addition to working with NY Life, Mass Mutual, Northwestern Mutual, and JP Morgan Chase, she owned and operated an international bank consultancy with offices in New York, London, and Paris where she enjoyed close associations with Chase, MBNA, Barclays, and Societe Generale. She is a member of the Board of Governors of the Accountants Association of New York for which she created the annual Malcolm S. Forbes Award for Excellence in Advancing Financial Understanding. She is also a member of the Bard of Directors of Savvy Ladies, a nonprofit organization dedicated to free financial education for women. Kelly resides with her husband in New York and East Hampton.