TRANSFORMING PhD ADVANTAGES INTO STRATEGIC FINANCIAL INDEPENDENCE (SFI)   FROM RESEARCH GROUPS TO STRATEGIC MULTIDIMENSIONAL INVESTMENT PORTFOLIOS   Speakers: Onigah Peter Oko (Accounting Department University of Abuja)   Bright Okonkwo, PhD (Scientific researcher, Member, OAAD Global Resident Think Tank)   Lydia Osarfo Achas, PhD ( School of Politics and Public Administration, Zhejiang University university)