Wendy Smith, Ph.D., LCSW, is a retired clinical professor of social work and associate dean of curriculum development and assessment at the University of Southern California Suzanne Dworak-Peck School of Social Work. Dr. Smith’s latest book “Before Their Crimes: What We’re Misunderstanding About Childhood Trauma, Youth Crime, and the Path to Healing” delves into the misunderstandings about childhood trauma and what is necessary to heal. Learn more at wendybsmithphd.net.

Fred Fisher, J.D., CCP, is a seasoned expert in Professional Liability with a career spanning over 50 years. Renowned for his dedication to client financial security, he advocates for providing clients with strong financial safeguards, letting competitors focus on “selling some insurance.”. Fred is the author of Claims-Made Insurance: The Policy That Changed the Industry, an indispensable guide for insurance professionals navigating claims-made policies.

Julie Loffredi is an award winning journalist and travel expert. She dishes about the latest trends and deals on media outlets nationwide. Julie will be joining Booking.com to share expert tips on how to lock in the company’s biggest Black Friday sale yet, with deals across flights, hotels, rental cars, cruises, attractions, and, new this year, airport transfers. For more information, visit: www.Booking.com.

Meggan Kaiser is an actress, travel expert, and author of Everywhere for Nothing: Free Travel for the Modern Nomad. Host of the Travel Channel’s 24/$7 and star of Lifetime’s Rebuilding a Dream Christmas. Meggan will be delivering practical, family-ready travel advice—including hotel hacks, health and safety musts, and budget-smart tips to help plan a meaningful trip without overspending. Visit WyndhamRewards.com and www.oscillo.com for more information.