Karen has successfully coached her clients in the Credit Repair and Debt Settlement industries since 1999. She works with both consumers and business owners and her key focus is to help her clients restore their creditworthiness after they have been through an unfortunate financial hardship. She has assisted thousands of individuals and businesses with the removal of unwanted and inaccurate items from their credit reports, therefore raising her clients' FICO scores to an optimum level. This can be life changing for those whose lives have been negatively impacted by less-than-perfect credit. She is a dynamic leader, sales trainer, speaker and motivational coach, and her overall passion is to share her vision and knowledge, while empowering others to believe in themselves and take their lives to the next level.

Known as the new CFO – Chief FOCUS Officer, bestselling author, award-winning entrepreneur, speaker and founder of ClearVista Consulting International, Rosie Aiello champions entrepreneurs and professionals to realize their dreams and vision with clarity and focus. She loves defeating productivity black holes and small business overwhelm, just like she loves her pasta. With her proven programs, Rosie empowers her clients to organize and value their time, resulting in higher profits, less stress and more freedom to enjoy fulfilling lives.


Steve Ryan is a PTSD Expert who's worked with individuals and veterans for over 30 years.  Steve uses Thought Field Therapy to transform his clients from Victim to Survivor and ultimately to prevail over their trauma. Steve's clients experience freedom from their fear, anger, sadness, guilt, and phobias. No matter how long they were plagued by such emotions, his clients go from restlessness to rest, from tears to triumph, from pain to peace, from fear to freedom. His passion is to restore lives from Victim to Victorious. Now is Your Time!

Asha Mankowska, Esq. is a Fearless Business & High Performance Coach, Consultant, Trainer, Branding Expert, Bestselling Author and International Motivational Speaker. Recognized by Forbes Magazine as one of the Top Business and Career coaches in America. She is a born entrepreneur, launching her first business at the age of 21 when she was in her second year of law school, successfully building three companies in Europe from the ground up and helping clients from several countries.

KAREN ZULLO, Founder & CEO of Insight Credit group

STEVE RYAN, MA, MS, ptsd expert and FOUNDER of THE INSTITUTE FOR CRIME & TRAUMA SURVIVORS

ASHA MANKOWSKA, ATTy, AUTHOR, Business Coach

ROSIE AIELLO, MBA, PRODUCTIVITY STRATEGIST

Disclosure Statement: The material provided here is for informational use only.  The views expressed are those of the author and do not necessarily reflect the views of Penn Mutual or any other company.  This information is not a substitute for obtaining legal, tax, or other professional advice from a qualified, independent advisor. You should not rely solely upon this information in making any decision to buy a product from Penn Mutual or any other company.  Wendy Lyon is insurance licensed in the following states: CA, GA, MD. This is not an offer or solicitation in any states where not properly licensed and/or registered.  [CA License No. O1O9071; GA License No. 3102106; MD License No. 2152404; NPN No. 16813596]


KORI PROPST, PhD, Eating Psychology, Motivation, & Peak Performance Consultant

Kori is the Wellness Director and VP of The Diet Doc, LLC, an international health coaching company providing a comprehensive alternative to weight management, focusing on education, sustainability, support, and life empowerment. She directs the national headquarters, located in San Diego. Kori specializes in the psychology of motivation, the mindset of success, and emotional agility. She coaches her clients toward self-determination and conscious, curious living for optimal performance and overall happiness. She coauthored 50 Days to Your Best Life!, which guides clients through the physiology of fat loss and the psychology of eating and behavior change.


WENDY LYON, CFO, CBC, CNC,  retirement INCOME specialist, AUTHOR, speaker

Wendy "The Financial Lyon" has a passion to inform, educate, & empower individuals and businesses to create the future they desire, no matter where they are financially and is regularly sought after to teach financial literacy, social skills, and entrepreneurial education. Having been widowed quite young, She knows full well the importance of building wealth upon a foundation of protection that can withstand the unexpected and believes everyone is entitled to superior financial advice.  Wendy can be heard on ESPN and KCBQ, seen on the CW6, Smarter San Diego, OANN and is a financial contributorto InnovateThought.com.

PHIL BLACK, STRATEGIC BREAKTHROUGH EXPERT

Phil masterfully integrates key precepts into experiential training and conscious-awakening development, leading both individuals and management teams to greater performance levels.  Phil has trained over 4,000 individuals and Fortune 1000 managements teams, including Sprint, Tony Robbins Companies, Qualcomm, AT&T, Dow Jones, Wells Fargo, and more.  As the Strategic Alliance Manager at New Peaks, the largest Professional and Personal training company in the world, Phil brings over 20 years experience in leadership training and personal development to his craft and excels in establishing mutually beneficial alliances and partnerships. 

Elena Estanol Ph.D., M.F.A., AUTHOR, SPEAKER

Dr. Estanol is a peak performance psychologist & intuitive prosperity business mentor who has helped thousands of clients heal their bodies, step up to bigger stages, and build 6-Figure Transformational businesses.  She inspires and empowers her audiences to rise up from their challenges, conquer their fears and live life audaciously guided by love and abundance. She passionately mentors entrepreneurs to choreograph their “soul’s dance” through transformational & profitable businesses, with ease, grace & a little “click of the heels."

Meet Your Speakers for New Year, New You 2018:  Arise!