Lubomir Christoff, ChFC, is an accomplished financial professional with extensive experience in various strategic roles within the financial sector. Currently serving as a member of the Securities Markets Stakeholder Group at the European Securities and Markets Authority (ESMA) since July 2020, Lubomir has also been an independent financial planning educator since January 2007. Prior positions include significant contributions as a Chairman of the Board for the Institute of Certified Financial Consultants (ICFC) and as a member of multiple stakeholder groups for ESMA and the European Banking Authority. Lubomir's academic credentials include a PhD in economics from Universitet za nacionalno i svetovno stopanstvo and a ChFC designation from The American College of Financial Services.