Stig Nybo

Retirement Strategist

Ph: 650.823.3314

stign@srpretire.com

Stig is a Registered Representative with Kestra Investment Services, LLC and an Investment Advisor Representative with Kestra Advisory Services, LLC. Stig Nybo, Retirement Strategist for our West Coast Practice. He is responsible for developing new relationships and delivering strategic retirement plan consulting to existing clients.

With 25 years of experience in leadership roles within the retirement business, Stig has made a significant commitment to the design and promotion of best practice for retirement plans. His experience, having spanned all aspects of the business, gives him unique perspective and insight. During his industry tenure, he has led strategy, operations, sales and marketing, and technology teams as President of Transamerica Retirement Services.

He also brings insight from several advisory board roles (past and present), including: Saving Re-Imagined, an exploratory effort of EBRI-ERF; Transamerica Center for Retirement Studies, a non-profit, private foundation; Employee Benefits Research Institute (EBRI); National Association of Plan Advisors (NAPA); Defined Contribution Institutional Investors Association (DCIIA); RetirementJobs.com; and Betterment for Business.

In addition, Stig has an inside perspective on Capitol Hill, the legislative process, and policy making overall. His interaction with regulators has resulted in direct and positive impact to retirement policy and his involvement in issues surrounding the recently enacted DOL Fiduciary Rule, gives him unique insight in to how plans will thrive in a ‘post rule’ world.

Stig believes every American deserves the opportunity to retire with dignity and confidence and is an award-winning author for Transform Tomorrow: Awakening the Super Saver in Pursuit of Retirement Readiness (John Wiley & Sons, Inc., 2013), which received the USA Best Book Award for “Social Change” and “Business: Investing.” He was named the 5th most influential person in the retirement industry by 401kWire.com, has authored articles in publications ranging from PLANSPONSOR® to The Wall Street Journal, and is a frequently speaker on the topic of retirement outcomes, behavioral finance, and change. He is also actively involved in trying to create a non-branded public service campaign to change beliefs around the benefits of saving and the achievability of financial independence.



What is one thing you obsess over? 

In a word, organization. Over the years, I have come to understand, appreciate, and value a truly organized experience. I believe organization is a gift we can give those we interact with, one that pays huge dividends.


If you could have dinner with anyone from history, who would it be?

Without hesitation or question it would be Warren Buffett. He is kind, crazy smart, and has a highly unusual commonsense approach to his thinking.


What is your favorite quote?

“Unless someone like you cares a whole awful lot, nothing’s going to get better. It’s not.” ~The Once-ler in the Lorax, by Dr. Seuss, who is one of the most brilliant authors of our time.

Unable to create the storage directory (/var/app/current/srp/var/cache/dev/profiler/fe/72). (500 Internal Server Error)

Symfony Exception

RuntimeException

HTTP 500 Internal Server Error

Unable to create the storage directory (/var/app/current/srp/var/cache/dev/profiler/fe/72).

Exception

RuntimeException

  1.         $profileIndexed is_file($file);
  2.         if (!$profileIndexed) {
  3.             // Create directory
  4.             $dir dirname($file);
  5.             if (!is_dir($dir) && false === @mkdir($dir0777true) && !is_dir($dir)) {
  6.                 throw new \RuntimeException(sprintf('Unable to create the storage directory (%s).'$dir));
  7.             }
  8.         }
  9.         $profileToken $profile->getToken();
  10.         // when there are errors in sub-requests, the parent and/or children tokens
FileProfilerStorage->write(object(Profile)) in vendor/symfony/symfony/src/Symfony/Component/HttpKernel/Profiler/Profiler.php (line 104)
  1.             if ($collector instanceof LateDataCollectorInterface) {
  2.                 $collector->lateCollect();
  3.             }
  4.         }
  5.         if (!($ret $this->storage->write($profile)) && null !== $this->logger) {
  6.             $this->logger->warning('Unable to store the profiler information.', array('configured_storage' => get_class($this->storage)));
  7.         }
  8.         return $ret;
  9.     }
  1.             }
  2.         }
  3.         // save profiles
  4.         foreach ($this->profiles as $request) {
  5.             $this->profiler->saveProfile($this->profiles[$request]);
  6.         }
  7.         $this->profiles = new \SplObjectStorage();
  8.         $this->parents = new \SplObjectStorage();
  9.     }
ProfilerListener->onKernelTerminate(object(PostResponseEvent), 'kernel.terminate', object(TraceableEventDispatcher))
call_user_func(array(object(ProfilerListener), 'onKernelTerminate'), object(PostResponseEvent), 'kernel.terminate', object(TraceableEventDispatcher)) in vendor/symfony/symfony/src/Symfony/Component/EventDispatcher/Debug/WrappedListener.php (line 104)
  1.     {
  2.         $this->called true;
  3.         $e $this->stopwatch->start($this->name'event_listener');
  4.         call_user_func($this->listener$event$eventName$this->dispatcher ?: $dispatcher);
  5.         if ($e->isStarted()) {
  6.             $e->stop();
  7.         }
WrappedListener->__invoke(object(PostResponseEvent), 'kernel.terminate', object(ContainerAwareEventDispatcher))
call_user_func(object(WrappedListener), object(PostResponseEvent), 'kernel.terminate', object(ContainerAwareEventDispatcher)) in vendor/symfony/symfony/src/Symfony/Component/EventDispatcher/EventDispatcher.php (line 212)
  1.     {
  2.         foreach ($listeners as $listener) {
  3.             if ($event->isPropagationStopped()) {
  4.                 break;
  5.             }
  6.             call_user_func($listener$event$eventName$this);
  7.         }
  8.     }
  9.     /**
  10.      * Sorts the internal list of listeners for the given event by priority.
EventDispatcher->doDispatch(array(object(WrappedListener), object(WrappedListener)), 'kernel.terminate', object(PostResponseEvent)) in vendor/symfony/symfony/src/Symfony/Component/EventDispatcher/EventDispatcher.php (line 44)
  1.         if (null === $event) {
  2.             $event = new Event();
  3.         }
  4.         if ($listeners $this->getListeners($eventName)) {
  5.             $this->doDispatch($listeners$eventName$event);
  6.         }
  7.         return $event;
  8.     }
EventDispatcher->dispatch('kernel.terminate', object(PostResponseEvent)) in vendor/symfony/symfony/src/Symfony/Component/EventDispatcher/Debug/TraceableEventDispatcher.php (line 139)
  1.         $this->preProcess($eventName);
  2.         $this->preDispatch($eventName$event);
  3.         $e $this->stopwatch->start($eventName'section');
  4.         $this->dispatcher->dispatch($eventName$event);
  5.         if ($e->isStarted()) {
  6.             $e->stop();
  7.         }
TraceableEventDispatcher->dispatch('kernel.terminate', object(PostResponseEvent)) in vendor/symfony/symfony/src/Symfony/Component/HttpKernel/HttpKernel.php (line 88)
  1.     /**
  2.      * {@inheritdoc}
  3.      */
  4.     public function terminate(Request $requestResponse $response)
  5.     {
  6.         $this->dispatcher->dispatch(KernelEvents::TERMINATE, new PostResponseEvent($this$request$response));
  7.     }
  8.     /**
  9.      * @internal
  10.      */
HttpKernel->terminate(object(Request), object(Response)) in vendor/symfony/symfony/src/Symfony/Component/HttpKernel/Kernel.php (line 137)
  1.         if (false === $this->booted) {
  2.             return;
  3.         }
  4.         if ($this->getHttpKernel() instanceof TerminableInterface) {
  5.             $this->getHttpKernel()->terminate($request$response);
  6.         }
  7.     }
  8.     /**
  9.      * {@inheritdoc}
Kernel->terminate(object(Request), object(Response)) in /var/app/current/wordpress/index.php (line 49)
  1. $sfRequest Request::createFromGlobals();
  2. $sfResponse $sfKernel->handle($sfRequest);
  3. $sfResponse->send();
  4. $sfKernel->terminate($sfRequest$sfResponse);

Logs 2

Level Channel Message
INFO 23:17:00 request Matched route "employee-page".
INFO 23:17:00 security Populated the TokenStorage with an anonymous Token.
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Component\HttpKernel\EventListener\DebugHandlersListener::configure".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Component\HttpKernel\EventListener\ValidateRequestListener::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Component\HttpKernel\EventListener\SessionListener::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Component\HttpKernel\EventListener\FragmentListener::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Component\HttpKernel\EventListener\RouterListener::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Bundle\FrameworkBundle\EventListener\ResolveControllerNameSubscriber::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Component\HttpKernel\EventListener\LocaleListener::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Bundle\SecurityBundle\EventListener\FirewallListener::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Symfony\Bundle\FrameworkBundle\DataCollector\RouterDataCollector::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Symfony\Bundle\FrameworkBundle\DataCollector\RequestDataCollector::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Sensio\Bundle\FrameworkExtraBundle\EventListener\ControllerListener::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Sensio\Bundle\FrameworkExtraBundle\EventListener\ParamConverterListener::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Sensio\Bundle\FrameworkExtraBundle\EventListener\HttpCacheListener::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Sensio\Bundle\FrameworkExtraBundle\EventListener\SecurityListener::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Sensio\Bundle\FrameworkExtraBundle\EventListener\TemplateListener::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.response" to listener "Symfony\Component\HttpKernel\EventListener\ResponseListener::onKernelResponse".
DEBUG 23:17:00 event Notified event "kernel.response" to listener "Symfony\Bundle\FrameworkBundle\DataCollector\RequestDataCollector::onKernelResponse".
DEBUG 23:17:00 event Notified event "kernel.response" to listener "Symfony\Component\Security\Http\RememberMe\ResponseListener::onKernelResponse".
DEBUG 23:17:00 event Notified event "kernel.response" to listener "Sensio\Bundle\FrameworkExtraBundle\EventListener\HttpCacheListener::onKernelResponse".
DEBUG 23:17:00 event Notified event "kernel.response" to listener "Ekino\WordpressBundle\Event\Subscriber\WordpressResponseSubscriber::onKernelResponse".
DEBUG 23:17:00 event Notified event "kernel.response" to listener "Symfony\Component\HttpKernel\EventListener\ProfilerListener::onKernelResponse".
DEBUG 23:17:00 event Notified event "kernel.response" to listener "Symfony\Component\HttpKernel\EventListener\SaveSessionListener::onKernelResponse".
DEBUG 23:17:00 event Notified event "kernel.response" to listener "Symfony\Component\HttpKernel\EventListener\StreamedResponseListener::onKernelResponse".
DEBUG 23:17:00 event Notified event "kernel.finish_request" to listener "Symfony\Component\HttpKernel\EventListener\LocaleListener::onKernelFinishRequest".
DEBUG 23:17:00 event Notified event "kernel.finish_request" to listener "Symfony\Component\HttpKernel\EventListener\RouterListener::onKernelFinishRequest".
DEBUG 23:17:00 event Notified event "kernel.finish_request" to listener "Symfony\Bundle\SecurityBundle\EventListener\FirewallListener::onKernelFinishRequest".
DEBUG 23:17:00 php Warning: mkdir(): No space left on device
CRITICAL 23:17:00 php Uncaught Exception: Unable to create the storage directory (/var/app/current/srp/var/cache/dev/profiler/fe/72).
CRITICAL 23:17:00 request Uncaught PHP Exception RuntimeException: "Unable to create the storage directory (/var/app/current/srp/var/cache/dev/profiler/fe/72)." at /var/app/current/srp/vendor/symfony/symfony/src/Symfony/Component/HttpKernel/Profiler/FileProfilerStorage.php line 141
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Component\HttpKernel\EventListener\DebugHandlersListener::configure".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Component\HttpKernel\EventListener\ValidateRequestListener::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Component\HttpKernel\EventListener\SessionListener::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Component\HttpKernel\EventListener\FragmentListener::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Component\HttpKernel\EventListener\RouterListener::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Bundle\FrameworkBundle\EventListener\ResolveControllerNameSubscriber::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Component\HttpKernel\EventListener\LocaleListener::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.request" to listener "Symfony\Bundle\SecurityBundle\EventListener\FirewallListener::onKernelRequest".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Symfony\Bundle\FrameworkBundle\DataCollector\RouterDataCollector::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Symfony\Bundle\FrameworkBundle\DataCollector\RequestDataCollector::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Sensio\Bundle\FrameworkExtraBundle\EventListener\ControllerListener::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Sensio\Bundle\FrameworkExtraBundle\EventListener\ParamConverterListener::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Sensio\Bundle\FrameworkExtraBundle\EventListener\HttpCacheListener::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Sensio\Bundle\FrameworkExtraBundle\EventListener\SecurityListener::onKernelController".
DEBUG 23:17:00 event Notified event "kernel.controller" to listener "Sensio\Bundle\FrameworkExtraBundle\EventListener\TemplateListener::onKernelController".

Stack Trace

RuntimeException

RuntimeException:
Unable to create the storage directory (/var/app/current/srp/var/cache/dev/profiler/fe/72).

  at vendor/symfony/symfony/src/Symfony/Component/HttpKernel/Profiler/FileProfilerStorage.php:141
  at Symfony\Component\HttpKernel\Profiler\FileProfilerStorage->write(object(Profile))
     (vendor/symfony/symfony/src/Symfony/Component/HttpKernel/Profiler/Profiler.php:104)
  at Symfony\Component\HttpKernel\Profiler\Profiler->saveProfile(object(Profile))
     (vendor/symfony/symfony/src/Symfony/Component/HttpKernel/EventListener/ProfilerListener.php:113)
  at Symfony\Component\HttpKernel\EventListener\ProfilerListener->onKernelTerminate(object(PostResponseEvent), 'kernel.terminate', object(TraceableEventDispatcher))
  at call_user_func(array(object(ProfilerListener), 'onKernelTerminate'), object(PostResponseEvent), 'kernel.terminate', object(TraceableEventDispatcher))
     (vendor/symfony/symfony/src/Symfony/Component/EventDispatcher/Debug/WrappedListener.php:104)
  at Symfony\Component\EventDispatcher\Debug\WrappedListener->__invoke(object(PostResponseEvent), 'kernel.terminate', object(ContainerAwareEventDispatcher))
  at call_user_func(object(WrappedListener), object(PostResponseEvent), 'kernel.terminate', object(ContainerAwareEventDispatcher))
     (vendor/symfony/symfony/src/Symfony/Component/EventDispatcher/EventDispatcher.php:212)
  at Symfony\Component\EventDispatcher\EventDispatcher->doDispatch(array(object(WrappedListener), object(WrappedListener)), 'kernel.terminate', object(PostResponseEvent))
     (vendor/symfony/symfony/src/Symfony/Component/EventDispatcher/EventDispatcher.php:44)
  at Symfony\Component\EventDispatcher\EventDispatcher->dispatch('kernel.terminate', object(PostResponseEvent))
     (vendor/symfony/symfony/src/Symfony/Component/EventDispatcher/Debug/TraceableEventDispatcher.php:139)
  at Symfony\Component\EventDispatcher\Debug\TraceableEventDispatcher->dispatch('kernel.terminate', object(PostResponseEvent))
     (vendor/symfony/symfony/src/Symfony/Component/HttpKernel/HttpKernel.php:88)
  at Symfony\Component\HttpKernel\HttpKernel->terminate(object(Request), object(Response))
     (vendor/symfony/symfony/src/Symfony/Component/HttpKernel/Kernel.php:137)
  at Symfony\Component\HttpKernel\Kernel->terminate(object(Request), object(Response))
     (/var/app/current/wordpress/index.php:49)