Tax-Smart Retirement Income

Martin Cowley

| EVP, Product Development

Martin was EVP, Software Engineering and then CTO of Upstream Technologies, responsible both for the technology and product management of Upstream's portfolio management and trading solutions. After the sale of Upstream to CheckFree Investment Services (now Fiserv) in 2007, Martin continued to lead the development of the Upstream products as VP of Software Development for Advanced Trading Solutions, overseeing the integration of those systems with Fiserv's industry-leading APL portfolio accounting and trading system. He also maintained a close involvement in defining Fiserv's future technology and product direction for its trading solutions in general. His role at Fiserv later expanded to cover the development of Fiserv Investment Services' corporate actions, trade settlement and fee billing systems. Before joining Upstream, Martin was Lead Technical Architect for AIT Group (now Portrait Software), a provider of web-based CRM software to the financial services industry, where he developed software solutions for Barclays and Key Bank, amongst others. Prior to AIT, Martin's consulting, management and programming roles included positions with Logica and Aviva in the UK. Martin holds a B.Sc. in Computer Systems Engineering and a M.Sc. in Computing Science, both from the University of East Anglia in Norwich, UK.

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