Retirement Benefits Group is led by seven Principals, many of whom have over 20 individual years of experience in the retirement plan consulting industry. The firm was founded on the premise of offering independent retirement plan support and advice, and our specialists have been in business for decades. With affiliate offices throughout the country, RBG continues to spread those values nationwide.

  • Darrell T. Alford, CLU, ChFC, PRP®, AIF®
    Darrell T. Alford, CLU, ChFC, PRP®, AIF®
    Principal
  • Michael J. Castner PPC
    Michael J. Castner PPC
    Principal
  • Sean M. Ciemiewicz AIFA®,  RMA ®
    Sean M. Ciemiewicz AIFA®, RMA ®
    Principal
  • Larry Deatherage, AIF®, PPC
    Larry Deatherage, AIF®, PPC
    Principal
  • Tony Franchimone, AIF®
    Tony Franchimone, AIF®
    Principal
  • David B. Utter
    David B. Utter
    Principal
  • Beth McPherson
    Beth McPherson
    Director of Operations
  • Gary Josephs, PRP, PPC
    Gary Josephs, PRP, PPC
    Principal
Darrell T. Alford, CLU, ChFC, PRP®, AIF®
Principal

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​​Darrel Alford

dalford@rbgnrp.com
+1 (858) 551-4015 x 249

With over 25 years of professional pension consulting experience, Darrell Alford has consistently been recognized as one of this country’s top retirement plan consultants by major industry organizations. He has been recognized as one of the top retirement plan advisors by Plan Sponsor magazine in 2007-2011*. Beginning his career at a large financial service firm specializing in corporate retirement benefits, Darrell was later hired to establish the retirement division at a major benefits consulting firm where he excelled for 8 years before moving on and creating an independent pension consulting boutique (Alford Jungers Financial & Insurance Services) working with many of Southern California’s largest corporations. Darrell grew AJF successfully for more than 6 years before he decided to merge his high profile pension consulting boutique with two other prominent west coast pension firms to create Retirement Benefits Group. (Based on nominations from industry peers and quantitative factors, including numbers of plans and dollar value of plan assets under advisement.)

Over the past 3 decades, Darrell has established a reputation of excellence in pension services. His practice focuses on providing professional support to plan sponsors and educating them on how to fulfill their fiduciary responsibilities with respect to their retirement plans and the investment options in those plans. His expertise lies in servicing corporate retirement plans, including Defined Contribution, Defined Benefits, and Non-Qualified Plans. As a recognized retirement plan expert, Darrell has been a featured guest speaker and panelist for many retirement plan conferences and seminars throughout the country.

Education

Darrell received a BS degree in Business Administration from the University of San Diego. Darrell’s designations include CLU (Chartered Life Underwriter), CHFC (Chartered Financial Consultant), AIF (Accredited Investment Fiduciary), LUTCF (Life Underwriting Training Council Fellow), and PRP (PLANSPONOR Retirement Professional). Financial Consultant holds s7 and registered with LPL Financial as a representative.

CA Insurance Lic. #0651360

Interests

Darrell is on the Board of Directors of Scripps Foundation for Science and The Environment. He is married to Terri and has 3 children.

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Michael J. Castner PPC
Principal

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Darrel Alford

mcastner@rbgnrp.com
+1 (949) 786-4015

As one of the Principals of Retirement Benefits Group, Mike leads one of the country’s premier retirement plan consulting firms in providing a comprehensive array of advisory services to both qualified and non-qualified retirement plans. Mike has earned a reputation for his knowledge and experience in plan provider search and benchmarking, fiduciary oversight and investment due diligence.

 Mike has been in the financial services industry for over 25 years focuses primarily on the corporate retirement plan market. His investment career began in 1987 at Dean Witter, and five years later, he joined Kidder Peabody where he was a founder of The Castner Josephs Retirement Group.  Mike was an initial member and founder of National Retirement Partners (NRP). Prior to NRP, Mike was a First Vice President of Investments with Prudential Securities where he achieved the Directors Council for exemplary performance along with inclusion in the Prudential Retirement Services Roundtable of senior consultants.

 As a recognized retirement plan specialist, Mike has been a featured speaker and panelist for many retirement plan conferences and seminars throughout the country.  He was recognized by PLANADVISER as one of the top 100 retirement plan advisers in 2012*, and was invited to be a member of Prudential Retirement’s Financial Advisory Council in 2013.

 *Based on nominations from industry peers and quantitative factors, including number of plans and dollar value of plan assets under advisement.

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Education

Mike’s designations include Professional Plan Consultant, through Financial Services Standards, LLC. Mike earned his Bachelors of Science degree from the University of Iowa with an emphasis in Finance.

CA Insurance Lic. #0A13741

Interests

Mike’s passion is playing golf.  He serves on the Coto de Caza Men’s Golf Association and Junior Golf committees.

 

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Sean M. Ciemiewicz AIFA®, RMA ®
Principal

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Sean Ciemiewicz

sciemiewicz@rbgnrp.com
+1 (858) 551-4015 x 242

As one of the Principals of Retirement Benefits Group, Sean works with a phenomenal team of professionals dedicated to retirement programs for companies and individuals. Sean’s expertise is working on education and communication programs, individual retirement management and has an interest in behavioral finance.

Sean has been in the financial services industry for 16 years and started his financial services career with Prudential Securities, which subsequently changed to Wachovia Securities. Previously, Sean enjoyed a career at the Anheuser-Busch Theme Parks in San Diego and Orlando managing promotional marketing programs.

Sean also is on faculty at Boston University where he teaches a course on Retirement Management.

Sean’s holds Accredited Investment Fiduciary Analyst (AIFA) designation through the Center for Fiduciary Studies

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Education

Sean earned his Bachelors of Science degree from San Diego State University with an emphasis in Communications.  He also holds a Masters of Business Administration degree from National University.

CA Insurance Lic. #0C50836

Interests

Sean is a high school football official and has his private pilot’s license (flying small airplanes).  He also serves on the Board of Directors for the Holiday Bowl and Poinsettia Bowl.  Sean attends Penasquitos Lutheran Church in San Diego where he plays drums in the ensemble.

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Larry Deatherage, AIF®, PPC
Principal

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Larry

ldeatherage@rbgnrp.com
+1 (858) 551-4015 x 240

Larry has over 20 years of experience providing retirement plan consulting services to institutions and their employees.  As an initial founder and Principal of Retirement Benefits Group, one of the country’s premier retirement plan consulting firms, Larry has established a national reputation for his excellence and expertise in provider search and benchmarking, contract negotiations, investment due diligence, ERISA compliance, and comprehensive employee education and communication programs. He has consistently been asked to participate on 401(k) advisory councils for many of the top providers in the industry. His firm has been an industry leader and early adopter of fully transparent relationships with their clients.

In 2010, Larry was recognized as a 401(k) advisor top influencer in the country in the mid-market by the 401(k) wire.* In addition, Larry has been a member of Prudential Retirement’s Financial Advisory Council since 2012.  He was also featured in the cover article of Research magazine as well as a requested guest speaker for leading national industry group conferences such as American Society of Pension Professionals & Actuaries, Center for Due Diligence and PLANADVISER.

 *Based on nominations from industry professionals, including advisors, plan sponsors and service providers, and an analysis of objective criteria, including statistics about advisors' practices gathered directly from the nominees.**Based on nominations from industry peers and quantitative factors, including numbers of plans and dollar value of plan assets under advisement.***Based on nominations from industry peers and selected on the following attributes: 40 years of age or younger and have credentials and experience and a career consistency that indicates they will be the ones to watch as leaders and trend setters in the industry going forward.

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Education

Larry has been recognized for many defined contribution industry recognition awards, including the 2005 (Finalist), 2006-2010 PLANSPONSOR “Advisor of the Year” nominations.** He was also featured as a top 20 Retirement Plan Advisor rising star in 2007 by Institutional Investor News.***

Interests

Larry is married with two children and resides in La Jolla, Calif. He is an avid fisherman and boater and enjoys golf, diving and the great outdoors. Larry plays a permanent role in his kids’ little league and their outside school interests. He and his wife support many local charities and foundations.

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Tony Franchimone, AIF®
Principal

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TonyFranchimone (1)_1

afranchimone@rbgnrp.com
+1 (858) 551-4015 x 255

Tony received a BS degree in Business Administration from San Diego State University and has been providing Qualified and Non Qualified retirement plan services to institutions and their employees since 1989.  He has done post graduate studies achieving both the Plan Sponsor Retirement Professional and the Accredited Investment Fiduciary designations.  He has established a reputation for excellence and expertise in the area of investment fiduciary responsibilities, providing search and benchmarking, contract negotiations, investment due diligence, and comprehensive employee education and communication programs. He has been featured and quoted in several magazine articles including Plan Sponsor, Plan Advisor, Registered Representative, Forbes and many others as well as being the cover story for Research Magazine.

As a recognized retirement plan expert, he has been a featured speaker and panelist for many retirement plan conferences, seminars and broadcasts throughout the country discussing plan design education, communication/education and investment trends.  Tony is also a member of many retirement Advisory Council’s for many of the major retirement plan vendors and providers. Tony was a 2005 finalist for Retirement Plan Advisor of the Year*, and has been nominated again in 2006, 2007, 2008, 2009, 2010 and 2011. In 2009 he was selected as a founding lecturer at the recently established “Retirement University” at UCLA’s Anderson School of Management. In 2011 he was asked to help develop the National Association of Plan Advisors, and subsequently has become a member of its leadership committee, as well as a member of one of its primary subcommittee the Government Affairs Committee. *Plansponsor’s Retirement Plan Advisor of the Year is based upon nominations by industry professionals and selected based on quantitative evaluation of service levels and feedback from plan sponsor clients. Advisors who have attained PLANSPONSOR Retirement Professional Designation receive an automatic nomination.

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Education

Tony’s designations include Accredited Investment Fiduciary (AIF); Professional Plan Consultant (PPC).  Tony earned his Bachelors of Science degree from San Diego State University.

Interests

Tony is married with three children and lives in Carlsbad.  He enjoys traveling and golf.   He is also an avid swimmer, cyclist and runner and recently completed the 2007 Ironman Triathlon World Championship in Kona Hawaii.

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David B. Utter
Principal

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David_Utter

dutter@rbgnrp.com
+1 (858) 551-4015 x 241

Dave began his financial services career in 1967 at Shearson Hammill in Newport Beach as a financial advisor. He also managed the Pasadena and Palm Springs offices as well as the Investment Management Department in New York for Shearson. Dave joined Wedbush, Noble, Cooke in 1974 serving as Senior Vice President with responsibilities for the Branch Division, Research Department, Special Products, Legal and Compliance Departments. In 1983 he joined Bateman Eichler Hill Richards as Executive Vice President in charge of the Branch Division and served on the Management Committee.

Prior to co-founding Retirement Benefits Group, Dave was Manager and a Financial Advisor in the San Diego Office of Prudential Securities where he built a large and successful Retirement Plan business.

Education

Dave received a BA in Economics from the University of Redlands and an MBA in Finance from the University of Southern California

CA Insurance Lic. #0A80892

Interests

Dave is married with three children and six grandchildren. He enjoys tennis, swimming, biking, traveling and successfully completed Ironman Canada in 1989.

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Beth McPherson
Director of Operations

Beth

bmcpherson@rbgnrp.com
+1 (858) 551-4015 x873 

Beth McPherson is Director of Operations at Retirement Benefits Group. She is responsible for overseeing back office operations; managing Human Resources to include office staff, benefits and payroll; developing sub-committees for various operational functions; and annual conference development and execution. Additionally, she coordinates the onboarding of new advisors and serves as the liaison for RBG advisors to LPL Financial and Independent Financial Partners.

 Beth has more than 20 years of experience in the financial services industry. Previously, she spent 10 years with Principal Financial Group where she administered B2B sales and marketing and specialized in nonqualified planning. Beth excels at building relationships across boundaries, facilitating discussion and applying best practices to optimize business efficiencies. She’s particularly passionate about helping advisors streamline their business and focus on what is most important.

Education

Beth earned her bachelor’s degree from Providence College in 1991. In 2004, she earned her Master’s in Education from National University and in 2007 she went on to earn her Masters of Business Administration from the University of Phoenix.  Beth also has her California insurance license.

CA Insurance Lic. #0F54546

Interest

Beth is a member of several youth special needs organizations as well as the Christian Children’s Ministry Board.

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Gary Josephs, PRP, PPC
Principal

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Gary_J

gjosephs@rbgnrp.com
+1 (949) 786-4015

As one of the Principals of Retirement Benefits Group, Gary has the opportunity to work with one of the most experienced team of professionals dedicated to retirement programs for companies and individuals.  Gary has established a national reputation for his excellence and expertise in the provider search and benchmarking, contract negotiations, investment due diligence, ERISA compliance and comprehensive employee education and communication.

Gary has over 24 years of experience providing retirement plan services to institutions and their employees.  Gary has been asked to participate on 401(k) advisory councils for Prudential, Wells Fargo, formally Wachovia Securities, Blackrock and Ascensus.  Gary has been a featured speaker for many retirement plan conferences and seminars and has been recognized by the defined contribution industry for each and every year since 2005 for the PlanSponsor Advisor of the Year nomination. Based on nominations from industry peers and quanitative factors, including number of plans and dollar value assets under advisement.

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Education

Gary’s designations include Plan Sponsor Retirement Professional (PRP) from the PlanSponsor Institute and Professional Plan Consultant (PPC) from the Financial Service Standards, LLC. Gary earned his Bachelor of Science in Management from Tulane University in New Orleans, LA and also holds a Master of Business Administration from Washington University in St. Louis, Mo.

CA Insurance Lic. #0A23383

Interests

Gary is married with 5 children and resides in Laguna Niguel, CA where he is very active in the Southern California Club Soccer Community and Rancho Niguel Little League.

 

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  • Peter Littlejohn
    Peter Littlejohn
    Retirement Services
Peter Littlejohn
Retirement Services

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Peter_L

plittlejohn@rbgnrp.com
+1 (330) 328-9627

Peter Littlejohn joins the Retirement Benefits Group as the practice leader in the Midwest currently domiciled in Akron Ohio.  Pete has over 27 years of retirement plan experience mostly recently at Highmark Capital Management in San Francisco where he led the DCIO advisory business since 2009.  Earlier he led retirement businesses at Ivy Funds, Wells Fargo, Strong Capital Management and Cigna Retirement and Investment Services where he was responsible for sales, marketing, client service and strategic development within those organizations.

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  • Asa Kajihiro
    Asa Kajihiro
    Retirement Consultant
Asa Kajihiro
Retirement Consultant

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akajihiro@rbgnrp.com
P: +1 (808) 425-5035
F: +1 (808) 600-5167

Asa’s reputation for excellence is built on his comprehensive approach to financial planning. His goal is to work closely with clients to identify opportunities that maximize investment income, develop retirement investment and withdrawal strategies, minimize tax obligations, and ensure company retirement plans are well managed and in compliance. In addition, Asa designs succession plans for personal estates and businesses.

Born and raised in Hawaii, he works comfortably with clients of all ages and knowledge levels. He takes the time to understand each unique situation, and creates strategies that are appropriate to his clients’ needs.

His dedication to providing the best strategy is also evident in his collaborative approach. Whenever possible, Asa works hand in hand with his clients’ accountants, CFOs, attorneys, and other advisors, to form truly integrated solutions.

Education

While his holistic approach sets Asa apart, his commitment to perfection is the driving force behind his practice. Asa started in 2004 at Edward Jones, and was quickly identified as an outstanding financial professional. He has the AAMS, and the Series 66 and Series 7 registrations, held through LPL Financial. Additionally, Asa holds a Hawaii state insurance license (310038). Asa is a graduate of Iolani School and the University of Hawaii West Oahu.

Interests

As if being a new father is not enough, Asa is the president of the Diamond Head Lions Club. He also serves as a board member for Hospice Hawaii, Kapahulu Center and the Iolani Alumni Association. With years of high school and college baseball experience, he also boasts a mean throwing arm. Look for him on the field at Iolani School where he coaches every spring.

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  • Mary Ann Miller
    Mary Ann Miller
    Administrative Assistant
  • Mark S. Miller, CLU®, CFP®, AIF®, CFPA
    Mark S. Miller, CLU®, CFP®, AIF®, CFPA
    Managing Director
  • Chris Lynch
    Chris Lynch
    Director of Office Operations
Mary Ann Miller
Administrative Assistant

 

Mary Ann Miller currently works as a non-licensed administrative assistant to Mark Miller and the Houston office of Retirement Benefits Group. She assists with client requests, research projects, and follow-up client contact.

Mary Ann has worked in the financial services industry for over 30 years. Prior to working with RBG, Mary Ann was a Vice President—Private Professional Lending with Chase Bank in downtown Houston.

Education

Mary Ann attended University of Texas at Austin and graduated with a BBA in Finance. She has had a Life, Accident, and Health insurance license in the state of Texas since 2002.

TX Insurance License# 1206661

Interest

Mary Ann resides in Houston, TX where she and Mark raised their two sons. She enjoys exercising, reading, participating in church activities, traveling, and volunteering in civic opportunities like the Houston Marathon and the Houston Superbowl LI committee.

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Mark S. Miller, CLU®, CFP®, AIF®, CFPA
Managing Director

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msmiller@rbgnrp.com
+1 (832) 518-5165

During the last 24 years, Mark Miller has helped thousands of employees define their retirement goals and objectives. Mark’s primary focus is to help ensure trustees have managed their personal fiduciary liability and that employees are “retirement ready.”  He seeks to accomplish this by assisting with the design and implementation of retirement plans whose provisions and investment alternatives are in the best interest of employees and their beneficiaries.  Likewise, employees are better prepared for their future by participating in Mark’s clearly communicated educational programs.

As an Accredited Investment Fiduciary designee, Mark has been a retirement advisor for Advantage Benefit Service, a health and welfare consulting firm, since 2004.  He was in a similar position with MassMutual—Strategic Financial Group LLP from 1988 to 2004. Prior to entering the retirement arena, Mark was a Senior Vice President of commercial lending with both Canadian Imperial Bank of Commerce and Chase Bank-Houston for the eight years ending in 1988.

Mark is a member of The American Society of Financial Professionals, the National Association of Insurance and Financial Advisors, and the Houston Association of Insurance and Financial Advisors.

Education

Mark earned a Bachelor of Science degree in Biology from Baylor University and a Masters of Business Administration in Finance from Louisiana State University.  In addition, Mark holds the following designations: Chartered Life Underwriter (CLU); Certified Financial Planner (CFP); and Accredited Investment Fiduciary (AIF).  He also maintains various FINRA securities registrations with LPL Financial in Arkansas, Louisiana, and Texas.

CA Insurance Lic. #0K21277

Interest

An adrenaline junkie, Mark is a passionate snowboarder, scuba diver, boot camp instructor, triathlete, Tough Mudder survivor, and outdoor enthusiast (backpacking/rock climbing). He has been the pianist for his church since its inception in 1996; and he was recently the Scoutmaster for BSA Troop 266. Mark and his wife, Mary Ann, are proud parents of their two sons…both of whom are Eagle Scouts.

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Chris Lynch
Director of Office Operations

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chris_sized

c.lynch@rbgnrp.com
+1 (832) 767-4801

Chris Lynch is Director of Office Operations at Retirement Benefits Group, one of the country’s leading retirement plan consulting firms.  Chris’ primary role is helping clients prepare for retirement, striving to ensure they receive the expertise and support they need to work toward their goals.  He is also responsible for helping determine if plan investments are on track and that clients’ retirement savings are in appropriate funds.  Chris also acts as a liaison between clients and financial institutions to help ensure that all administrative processes and functions are being carried out effectively.

Chris joins Retirement Benefits Group with experience in servicing clients in the life insurance industry, where he worked closely with a career agent from MassMutual.  Before this, Chris worked as Program Coordinator for KW Cares, the non-profit public charity of Keller Williams Realty.  As Program Coordinator, Chris reviewed grant applications from agents and family members throughout Keller Williams Realty to assist with help for medical bills for things such as surgeries and cancer treatment.  He also spearheaded disaster relief efforts for agents their families during harsh events such as Superstorm Sandy.

Education

Chris earned his Bachelor’s in Business Administration with an emphasis in Marketing from Texas State University in San Marcos, Texas.  He then went on to earn his MBA from the University of Houston.

Interest

Chris is an avid sports fan who loves attending sporting events of all types.  Additionally, he enjoys spending quality time with family and friends.

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  • Evan Kress
    Evan Kress
    Junior Investment Analyst
  • Bryan L. Murphy, AIF
    Bryan L. Murphy, AIF
    Retirement Advisor
  • William Caldwell
    William Caldwell
    Senior Wealth Manager
  • Denise Renee Grajek
    Denise Renee Grajek
    Administrative Assistant
  • Phil Matheson
    Phil Matheson
    Managing Director
  • Shanna Powell
    Shanna Powell
    Director of Marketing
  • Joel Shomaker, CFP, PPC
    Joel Shomaker, CFP, PPC
    Retirement Services
  • Fred Hamsayeh, CFP®, ChFC, MBA
    Fred Hamsayeh, CFP®, ChFC, MBA
    Retirement Plan Consultant
  • Michael Rosenthal, CFM
    Michael Rosenthal, CFM
    Wealth Advisor
  • Ally Haderlein
    Ally Haderlein
    Operations Coordinator
  • Salvatore A. Danna, JD
    Salvatore A. Danna, JD
    Wealth Manager
  • Amir Arbabi
    Amir Arbabi
    Managing Director
Evan Kress
Junior Investment Analyst

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ekress@rbgnrp.com
P: 949-786-401K
F:949-786-4013

Evan Kress joined Retirement Benefits Group in 2016 as a Junior Investment Analyst. Evan is responsible for meeting with vendors learning their unique strategies, providing investment commentary to RBG advisors, as well as monthly plan performance spreadsheets for clients.

Education

Evan is a graduate of Northern Arizona University in 2016 with a double major in Business Management and Finance, achieving a bachelor’s degree in both fields.  He is a member of The National Society of Collegiate Scholars.

Interests

Evan also has a passion for trying new foods and traveling across the world. Evan has toured across China, Australia, and the Bahamas, with plans to someday travel across Japan, South Korea, and Europe.

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Bryan L. Murphy, AIF
Retirement Advisor

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bcaldwell@rbgnrp.com
P: 949-786-401K
F:949-786-4013

Bryan  L.  Murphy  has  spent  over  thirty  five  years  assisting  both  corporate  and individual  clients  with  their  Wealth  Planning;  Business  Continuation  Planning; Executive  Benefits;  Qualified  and  Non-Qualified  Retirement  Plans;  Family  Transition Planning; and Investment Asset Management.

Education

Bryan is a native to Southern California attending public schools in Whittier, California and the University of Southern California.  He is an Investment Advisor Representative (IAR), Licensed Securities and Insurance Broker as well as an accredited Investment Fiduciary (AIF®).  CA Insurance License Number 0582354 CRD#716265; and Series 7.

Interests

Bryan has served on many community and non-profit boards.  Bryan enjoys time with his wonderful wife of thirty-five years, Diana, and their four sons.

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William Caldwell
Senior Wealth Manager

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bcaldwell@rbgnrp.com
P: 949-786-401K
F:949-786-4013

William Caldwell is a Senior  Wealth  Manager, MBA, CLU® with over 43 years’ experience in  the  financial  services  industry  to  include  working  with  high  net  worth individuals and their extended families.  His commitment is to work very closely with each  individual  client  to  address  their  investment  objectives  based  on  their  specific investor  profile,  their  time  horizon,  and  risk  tolerance. Bill’s  passion  is  to  assist  his clients  in  the  accumulation  and  conservation  of  their  investment  wealth  through  all types of  investment  cycles. Bill is  also an investment  advisor to several small 401(k) plans. Bill  served  as  Managing  Partner/LPL  Branch  Manager  for  the  eight  years  prior  to joining Retirement  Benefits  Group-Irvine  in  March  2016.  For the prior  25  years,  Bill owned and ran a small broker-dealer, TriEqua Capital Corporation which was closed in February 2008 when Bill joined LPL.

Education

Bill  earned  his Masters of Business  Administration  from  the University of California, Los  Angeles  in  1971  and  his  Bachelor  of  Arts  Degree  (History)  from  the  University  of California,  Berkeley  in 1965. While attending Cal,  Bill played basketball for one year and competed in track, as a sprinter, for four years. Between  Cal  &  UCLA,  Bill  was  an  artillery officer  in  the  United  States  Marine  Corp (Captain)  and  served  in  Vietnam  from  March  1967  through  February  1968. Bill  is  a member of the Quantico Marine Athletes Veterans’ Organization.

Interests

Bill currently resides in Rancho Mission Viejo with Judith, his wife of forty-five years.   Bill  and  Judith  have  four  children  (two  biological  and  two  adopted)  and  three grandsons.    From  1988  through  2012,  Bill  and  Judith  were  Foster  Parents  for  the County  of  Orange  and  parented  over  150  infants  and  toddlers!   Two  of  their  foster children became permanent members of the Caldwell  family as adopted children.  As a member of the 1960’s Quantico Marine Athletes Veterans’ Organization, Bill enjoys attending reunions with wife and family.

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Denise Renee Grajek
Administrative Assistant

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dgrajek@rbgnrp.com
P: 949-786-4015
F:949-786-4013

Denise Renee Grajek is the Administrative Assistant to the Retirement Benefits Group Irvine office. Denise has extensive experience with administrative processes, customer care practices and code of ethics. Her responsibilities include client relationship management, service coordination, assistance with day-to-day administration of the office, monthly account plan reporting, newsletter distribution, month-end and year-end reporting practices, assistance with compliance and governance, client account performance reporting, and streamlining daily functions of the office. Denise enjoys being the first point of contact for individual clients and referrals from multiple sources.

Denise has over 30-years’ experience in accounting, consulting and financial services industries to include but not limited to startup companies, Big 4 Accounting Firm, Contract Coordinator for a non-profit school and currently with RBG. Denise brings a great deal of experience to RBG and has recently celebrated one year with us.

Education

Denise attended Irvine Valley & Saddleback Colleges while maintaining a GPA of 3.8. She also regularly participates in Continued Education related to her administrative roles.

Interests

Denise resides in Irvine where she raised her two daughters and enjoys spending time with her seven-year old cocker spaniel. Denise is passionate about collecting cookbooks, cooking and reading and will be pursuing the completion of her nutrition certification in the future. She also enjoys being outdoors and entertaining friends and family to include two grandchildren. Denise’s additional interests are in the arts and culture, environment, assisting people in need and the welfare of children, elderly and animals.

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Phil Matheson
Managing Director

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philm@rbgnrp.com
P: 949-786-4015 x. 109

C: 949-903-1818
F: 949-786-4013

Phil Matheson is a Managing Director based in RBG's Irvine, California, office. He focuses on managing fiduciary responsibility, education and concise customer service when working with every one of his clients. He focuses on being an extension of his clients' HR departments and sets himself apart by not only planning in a proactive manner, but by holding one-on-one educational meetings with his plan participants to better understand their goals.

Phil has a decade of experience in financial services, including seven years as the Vice President of Retirement Services at Centennial Group Benefits. He was previously with Wells Fargo Advisor and Wachovia Securities.

Education

Phil graduated from the University of Arizona alumni and holds AIF, CRPS and C(k)P certifications.

Interests

Phil is an active member of the University of Arizona Alumni Association and the Sigma Chi Orange County Chapter. When not in the office, you can find Phil golfing, playing basketball or hiking mountains ranging from Mt. Rainer in Washington to Mt. Orizaba in Mexico. You could also attempt to catch him competing in a number of major national marathons such as the New York Marathon, the Washington D.C. Marathon and the Los Angeles Marathon. Phil is also a Dodgers and Lakers fan, and enjoys coaching his kids' sports teams.

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Shanna Powell
Director of Marketing

Shanna Powell (2)

spowell@rbgnrp.com
+1 (949) 786-4015 ext. 103

Shanna Powell is the Director of Marketing at Retirement Benefits Group and works out of the firm’s Irvine office. She is responsible for leading the creative process for all marketing strategies and execution of plans that support RBG’s communications to clients, associates and prospective financial advisors.

Shanna has over 20 years of experience in the financial services industry and has been a valued member of the RBG team for the past five years. She continues to maintain a strong working knowledge of the retirement planning industry, financial markets, and product trends in order to champion new marketing ideas and innovation on behalf of RBG.

Education

Shanna attended Orange Coast College and went on to earn her Series 7, Series 63 (held with LPL Financial), Series 65 (held with RBG) and her Insurance License through the California Department of Insurance.

Interests

A true humanitarian, Shanna is passionate about animal welfare; arts and culture; children, civil rights and social action; disaster and humanitarian relief; economic empowerment and the environment.

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Joel Shomaker, CFP, PPC
Retirement Services

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Joel

jshomaker@rbgnrp.com
+1 (949) 786-4015

Joel is the CERTIFIED FINANCIAL PLANNER™ professional for Retirement Benefits Group, Irvine.  He has been a trusted advisor to both company sponsored retirement plans and high net-worth individuals in the Orange County area since 1998.  Along with the CFP® designation, Joel holds the designation of Professional Plan Consultant(PPC™), both of which signify a commitment to on-going education and service excellence in both Comprehensive Financial Planning and Qualified Retirement Plan Services.  He is often invited to speak or participate in financial education seminars and events in Orange County.

As an advisor to Qualified Retirement Plans, Joel seeks to limit exposure to fiduciary liability for his plan sponsors and educate their employees about opportunities for a successful retirement.  These goals are achieved through defendable and repeatable processes in regards to plan design assistance, investment monitoring and reporting, participant education and investment concepts discussion, and plan benchmarking and fee transparency.

Joel has developed a high level of expertise in comprehensive financial planning strategies over the last 14 years. His specific areas of expertise include Retirement Income Strategies, Wealth preservation, Asset Allocation including Alternative Assets, Complex Estate Planning issues, Insurance & Risk Planning, Life Change Financial Guidance, Budgeting and Cash-flow analysis.  His career success can be directly attributed to his honesty and integrity as well as his ability to understand and educate his clients, help them clarify and prioritize their financial goals, and implement a plan of action that most efficiently helps them achieve those goals.

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Education

Joel earned his bachelors degree in Finance from Cal State University of Fullerton where he graduated on scholarship for his published work in the Academic Journal of Finance on the Structural Inefficiencies and Correlations of International Emerging Markets to the US Stock Market.  Joel has earned various designations over the years and currently holds the designations of CERTIFIED FINANCIAL PLANNER ™ professional(CFP®) and Professional Plan Consultant (PPC™).

CA Insurance Lic. #0C67170

Interest

Joel resides in Rancho Santa Margarita with his daughter Maya.   Joel believes in a high level of physical and mental fitness that culminates in numerous activities such as mountain biking, weight training, scuba diving, hiking, shooting, archery, chess, and reading books on business and personal enrichment.  Community involvement entails a close relationship with the Council on Aging, and various outreach programs.  Much of his free time is spent attending or assisting with his daughters karate and guitar lessons or helping coach her soccer team.

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Fred Hamsayeh, CFP®, ChFC, MBA
Retirement Plan Consultant

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Fred

fredh@rbgnrp.com
+1 (866) 860-4015 x21112

Fred Hamsayeh has worked in the Financial Services industry since 1997. He is currently a Retirement Plan Consultant at Retirement Benefits Group, a retirement planning firm serving clients ranging from high net worth individuals to non-profit and for profit corporations. Fred serves corporate and individual clients throughout the Western United States.

Prior to joining Retirement Benefits Group in May 2013, Fred worked as an Investment Advisory Representative and 401(k) consultant for Aegis Financial Group. There he worked with companies on their retirement plans, helping them manage their fiduciary duties. He has helped many retirement plan participants with investment selection, asset allocation, and portfolio optimization. Before entering the financial services industry, he served in the US Navy as a shipboard engineer in a support capacity during operations off Somalia.

Fred’s goal is to help plan sponsors manage their fiduciary responsibility, while providing participants with strategic retirement planning assistance. These services seek to increase monthly cash flow, preserve existing assets, reduce taxes, and improve risk adjusted returns. Fred holds his Series 7, 24, 63, and 65 registrations with LPL Financial.

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Education

Fred attended Southern Illinois University, Carbondale and graduated with a B.S. in Workforce Education and Development in 1997. On August 1, 2002, he completed the Chartered Financial Consultant (ChFC) curriculum from the American College located in Bryn Mawr, Pennsylvania. In 2006, Fred graduated from Pepperdine University with an MBA in Finance.

 Fred received the CFP® certification in 2011 and is constantly learning to stay current with today’s dynamic financial environment. He believes that his commitment to continuing education will allow him to better serve his clients.

CA Insurance Lic. #0C15832

Interest

In his spare time, he enjoys travel, hiking, spending time with his 3 daughters and giving back to Veterans Groups. Fred is proud of his military service and is a lifetime member of the Veterans of Foreign Wars (VFW).

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Michael Rosenthal, CFM
Wealth Advisor

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Michael_r

 

mrosenthal@rbgnrp.com
+1 (949) 786-4015 x 114

Michael Rosenthal is a Wealth Advisor at Retirement Benefits Group, one of the country’s leading retirement plan consulting firms. He specializes in employee retirement plans and executive benefits and primarily works with individuals, business owners and “C suite” executives.

 Michael’s experiences include financial planning solutions, including wealth preservation, asset allocation, complex estate preparation and insurance and risk planning. He is a skilled advisor in the areas of qualified and non-qualified retirement plans, employee stock options, restricted stock awards and “Section 16 officer” rules and regulations.

 Michael has over 12 years of experience in the financial services industry. He has an extensive background as a wealth manager to the high net-worth community, small businesses and large corporations. Michael began his career at Merrill Lynch, where he earned his Certified Financial Manager designation and focused in retirement planning and corporate financial services.

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Education

Michael majored in Business Management and Finance at Pepperdine University. He holds Series 7 and Series 66 securities licenses and a CA Life Insurance license, #0D92755.

Interest

Michael is a second generation Southern Californian and currently resides in Foothill Ranch. He is passionate about mentoring the next generation in the areas of faith, family and finances and enjoys spending time with his wife, children and grandchildren.

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Ally Haderlein
Operations Coordinator

AllyHaderlein (1)_1

ahaderlein@rbgnrp.com
+1 (949) 786-4015

Ally Haderlein is the Operations Coordinator in Retirement Benefits Group’s Irvine office. In this role, Ally is responsible for assisting with the firm’s smaller benefits plans, overseeing the RBG Fiduciary Vault and working on the sales team to prospect new business.

Ally has been a member of the RBG team for just over four years. Prior to joining the RBG family, Ally worked for the Los Angeles Angels in the Entertainment department, where her primary focus was fostering fan appreciation and community involvement.

Education

Ally attended Cal State Fullerton, where she obtained her bachelor’s degree in Communication, as well as a minor in Kinesiology. She currently holds her Series 7 and 66 registrations through LPL Financial.

Interest

In her free time, Ally likes to travel with her husband, hike with her dog and spend time with family and friends.

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Salvatore A. Danna, JD
Wealth Manager

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SalDanna_1

​sdanna@rbgnrp.com
+1 (949) 786-4015

As a wealth manager in the Irvine office of the Retirement Benefits Group, Sal works with high net worth individuals as an investment manager. Additionally, Sal works with clients to provide comprehensive financial and tax planning.

Sal has worked in the financial services industry for 13 years and has been a financial planner for the past 10 years.  Sal started his career with the Ayco Company, L.P., which is a Goldman Sachs company.

Education

Sal has passed the New York, New Jersey and California bar examinations.  He also has passed Series 7 and Series 65 securities examinations. Sal earned his Bachelor of Arts in International Relations from the University of California, Davis.  He also holds a Doctor of Jurisprudence from the Seton Hall University of Law

CA Insurance Lic. #0D66361

Interest

Sal is an avid runner and enjoys watching the financial markets.  He also enjoys living in Yorba Linda with his wife and three sons.

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Amir Arbabi
Managing Director

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AmirArbabi3_1

amir@rbgnrp.com
+1 (949) 786-4015

As a Managing Director with Retirement Benefits Group, Amir works with companies on plan design assistance, fiduciary oversight and investment due diligence.  Utilizing his years of experience with retirement planning, Amir creates customized plans designed to meet his clients unique goals and needs. 

In addition to the plan consulting, Amir has extensive knowledge on wealth and investment management from his training at firms such as Merrill Lynch and Morgan Stanley Smith Barney.

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Education

Amir is a graduate of the University of California, Los Angeles.

CA Insurance Lic. #0E55882

Interest

Amir resides in Ladera Ranch with his wife Deborah and his two young children. His interests including coaching his children and spending time with his family. Amir also enjoys snowboarding and attending UCLA sporting events.

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  • Christine Soscia
    Christine Soscia
    Retirement Plan Specialist
  • Brianne Soscia
    Brianne Soscia
    CFP®
Christine Soscia
Retirement Plan Specialist

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ChristineSocia (1)_1

csoscia@rbgnrp.com
+1 (702) 243-4931

Christine has been in the financial services industry for over 15 years. She works with business owners in designing, auditing and implementing employee benefit programs.  Christine also specializes in working with business owners in the areas of strategic tax planning, wealth management, business planning, estate planning and succession planning.

​Christine really focused on 401(k) plans in 2004 as she was one of the first to graduate from the 401(k) Coach program.  In 2006, she purchased a TPA and managed more than 160 plans. She has appeared on CNBC, Fox Business and has been quoted in various financial publications. Christine holds a Series 63,7,24, 66 and Life and Health license.  Christine is a founding member of the Professional Business Advisor group in Las Vegas.

Education

Christine earned her BA in Business with an emphasis in Human Resources from Cal Poly Pomona.  She was awarded Student of the Year in her graduating class.

CA Insurance Lic. #0C68733

Interest

Christine moved to Las Vegas in 1997 from Southern California.  She is an avid golfer, loves yoga, and is the fitness coach and team manager for her daughter’s softball team.

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Brianne Soscia
CFP®

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Brianne

bsoscia@rbgnrp.com
+1 (310) 709-3643

Brianne joined the financial services industry in June of 2011, after eleven years as an elementary school teacher.  Brianne is a registered financial advisor, and currently holds her Series 6, 7, 63, and 66 licenses, as well as a life and health license.  Brianne specializes in working with individuals and families in the areas of retirement and college planning.  She works with her sister, Christine to educate and assist the participants in the 401(k) plans that they currently manage.

Education

Brianne was born and raised in southern California, before moving to the Las Vegas Valley in 2003.  She received her bachelor’s degree in sociology and psychology from the University of Colorado at Boulder, and her master’s in elementary education at the University of Nevada, Las Vegas.

CA Insurance Lic. #0H76127

Interest

Brianne has been an active volunteer for many organizations, including Best Buddies and Teach for America.  Her hobbies include yoga, running, and spending time with her five year old daughter.

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  • Conor Weir, CRPC© CFP®
    Conor Weir, CRPC© CFP®
    Managing Director
  • Sophois Sokhom, CRPC© CRPS© CFP®
    Sophois Sokhom, CRPC© CRPS© CFP®
    Director of Client Relations
Conor Weir, CRPC© CFP®
Managing Director

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Conor web

CWeir@rbgnrp.com
+1 (562) 494-6784

Conor Weir is a Managing Director at Retirement Benefits Group where he consults on retirement plans to maximize the benefit to business owners and their employees.  In his role, Conor is responsible for retirement plan design, fiduciary risk management, non-qualified plan design, and business succession planning.

In addition to managing retirement plans, Conor serves as the Chief Financial Officer to a select number of families and business owners, helping them invest for growth, protect what they have built and strengthen their company and family legacies.  The team does extensive financial planning with these private clients and specializes in managing the overlap between business and personal wealth.

Conor loves the logical process of simplifying complex problems and creating solutions for clients. He is a glutton for knowledge, constantly attending conferences and reading independently to stay up‐to‐date, and he enjoys sharing this knowledge with clients or team members to optimize challenging or unique business and personal financial issues.

Prior to joining Retirement Benefits Group, Conor built his practice at Merrill Lynch.  Early in his career, Conor’s honed his consultative approach to financial management as a consultant at “big four” consulting firms: Deloitte Consulting and Accenture.

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Education

In 2004, Conor earned his Masters of Business Administration with a concentration in Finance at the University of Oxford in England. As an undergraduate, Conor studied Sociology and Philosophy at Carleton College in Northfield, Minnesota, which ranks among the top liberal arts colleges in the country.  Conor holds the CERTIFIED FINANCIAL PLANNER TM and Chartered Retirement Plan Counselor (CRPC) designations.

Interest

Conor enjoys spending time with his children, reading, camping and playing with them at the beach. He is also a volunteer referee for his children’s youth soccer teams. In his spare time, Conor loves to travel; he has visited 36 countries and lived in six.

 

Conor is a registered representative with, and Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Private Advisor Group, a registered investment advisor. Private Advisor Group and Retirement Benefits Group are separate entities from LPL Financial.

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Sophois Sokhom, CRPC© CRPS© CFP®
Director of Client Relations

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SophoisWEBSIZE

SSokhom@rbgnrp.com
+1 (562) 494-6784

Sophois Sokhom is Vice President of Client Relations at Retirement Benefits Group, one of the country’s leading retirement plan consulting firms. Sophois’ primary focus is on developing retirement plans and preparing individuals for retirement, but more importantly her role is to care for Retirement Benefits Group’s clients, assuring they receive all the expertise and support they need to work toward their goals. Sophois is also responsible for developing new relationships with businesses and individuals who are often referred to the firm by current clients.

 Sophois is proof that the American Dream is possible if you have the intelligence, drive and passion to pursue it. Born in Cambodia just before the war, she arrived as a refugee in 1982 and has been a high achiever ever since.  She brings that same passion to RBG’s goal of improving the financial outlook of their clients. In addition to working with individual clients, Sophois dedicates her time to caring for companies’ corporate retirement plans and the employees invested in them.

 Sophois joins Retirement Benefits Group with experience in risk management, insurance, annuities and financial planning, all stemming from her diverse background at companies such as Merrill Lynch, Robert Half Executive Recruiting, Caribou Lake Software, Coopers & Lybrand and Andersen Consulting. She holds both the Chartered Retirement Plan Specialist (CRPS) and Chartered Retirement Plan Counselor (CRPC) certifications.

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Education

Sophois earned her Bachelor’s in Economics at Carleton College in Northfield, Minnesota. Carleton is consistently ranked as one of the top five liberal arts colleges in the country. She then attended the University of St. Thomas in Minneapolis, where she earned her MBA with a focus in Finance.

Interest

Sophois is an active member of the Long Beach Cambodian community and informally mentors Cambodian-American girls who are the first in their families to attend college.  Sophois’ father was an Olympic cyclist and she enjoys riding her racing bike along California’s beaches, with her family trying to keep up.

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  • George P. Fraser, CRPS
    George P. Fraser, CRPS
    Managing Director
  • Frederic W. Amberg
    Frederic W. Amberg
    Senior Vice President
George P. Fraser, CRPS
Managing Director

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George F

gfraser@rbgnrp.com
+1 (480) 477-8058

As one of the country’s most renowned Retirement Benefits Specialists and a Managing Director of Retirement Benefits Group, George and his team are committed to helping employers and employees secure the lifestyle they envision for themselves upon retirement.  After 19 years in the retirement marketplace, George has developed an educational model that offers both group and individual meetings to all of his client’s employees.  His model, considered by many to be second to none, was showcased by the Arizona Republic as a model for change.  George and his team currently manage over $300 million in over 35 plans.

Prior to joining RBG, George hung his hat at Morgan Stanley Smith Barney and McDonald Investments.  Previous to his financial career, George enjoyed success in advertising sales at Inc. Magazine in Boston and New York and as President of his own company that matched US and Canadian companies to form joint ventures.

In the news

Education

George’s designations include Chartered Retirement Plans Specialist, (CRPS) through the College for Financial Planning.  He was one of three finalists in ASPPAs first 401(k) Leadership Award, based on nominations from industry peers and colleagues for excellence and innovation in the retirement industry.  George has been a regular speaker at industry conferences including ASPA, CFDD, and Plan Sponsor and has been featured in such publications as the Arizona Republic, Mutual Fund Magazine and Blackrock Advisor.

George is originally from Nova Scotia where he attended Dalhousie University’s School of Business.

Interest

George grew up on the waters of Nova Scotia’s Northumberland Strait.  He sails, windsurfs, stand up paddleboards and is currently learning how to kite surf.  He enjoys boating, skiing, and traveling.

He currently resides in Scottsdale, Arizona with his wife, two children and Basset Hound.

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Frederic W. Amberg
Senior Vice President

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Frederic_a

famberg@rbgnrp.com
+1 (480) 477-8058

After moving to Arizona in 1998, Fred began his career in financial consulting with Valic working exclusively with corporate and non-profit retirement plans. Thirteen years later, after stops with McDonald Financial Group and Smith Barney, Fred and his business partners decided that the best way to serve their clients was by joining LPL Financial and Retirement Benefits Groups. Their main focus is working with private businesses, building retirement plans that best benefit both owners and their employees. Currently they manage over 35 plans all over the country. Fred has spent considerable time working with clients on employee education and estimates that he has conducted over 15 thousand one-on-one meetings.

Education

Fred graduated from the University of Arizona with a BS degree in Business. After receiving his Masters degree in Sports Marketing from Ohio University, he worked for several years at the Louisiana State University Athletic Department, serving as its Director of Promotions for over 22 men and womens sports.

Interest

Fred moved move back to Arizona in 1998 and lives there currently with his two daughters and Labrador Retriever. When Fred is not in the office or traveling to meet with clients, he spends as much time outdoors as he can snow skiing, kite boarding or building sandcastles on the beach with his family. Fred is an avid tennis player and plays on a USTA mixed double team.

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  • Lloyd Engleman
    Lloyd Engleman
    Retirement Plan Consultant
  • Eric Carlson
    Eric Carlson
    Financial Advisor
Lloyd Engleman
Retirement Plan Consultant

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Lloyd

lengleman@rbgnrp.com
+1 (951) 780-4016

Lloyd Engleman has worked in the Financial Services sector for  12 years.  Lloyd is currently a Professional Plan Consultant at the Retirement Benefits Group, a retirement solutions firm serving clients ranging from individuals to non-profit and for profit companies nationwide.  As a Professional Plan Consultant, Lloyd serves clients throughout the western United States and was awarded, along with his colleagues at Retirement Benefits Group, as a Top Qualified Plan Advisor by Plan Sponsor Magazine. Based on nominations from industry peers and quantitative factors, including number of plans and dollar value of plan assets under advisement.

Prior to joining Retirement Benefits Group in 2008, Lloyd worked as a Registered Representative/401K plan consultant for Total Retirement Solutions.  Additionally, he worked at Investor Solutions, Inc., also serving the western region.  Prior to entering the Financial Services field in 2000, Lloyd worked in hardware technology resales, as the owner of Surcom Technology. Lloyd holds his Series 6 and Series 63 registrations with LPL Financial.

Education

Attend Iowa Central Junior college and Indiana State University.

CA Insurance Lic. #0D04948

Interest

Lloyd is a board member of Moreno Valley Optimist Foundation and volunteers on their fund raisers. Lloyd is an avid golfer and competes in many Southern California amateur events. Lloyd and his family attend Moreno Valley Baptist Church.

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Eric Carlson
Financial Advisor

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Eric

​ecarlson@rbgnrp.com
+1 (951) 264-6169

Eric Carlson is a financial advisor at Retirement Benefits Group, one of the country’s leading retirement plan consulting firms. He provides investment advisory services to individuals and retirement plan sponsors.

 Eric joins RBG after working in the mortgage financing field for close to 20 years, including nine years operating two separate private practices (Premier Home Loans and ProServ Mortgage). Over the course of his career, Eric has always emphasized providing excellent service at an affordable price. He is committed to providing superior service to clients because he believes personal attention is what leads to long-term relationships, referrals and repeat business.

Education

Eric earned his Bachelor of Arts degree in Psychology from California Baptist University in 1994 and went on to receive his Masters in Counseling Psychology from CBU in 1996.

Interest

Eric has been very active in his local church community and led a Bible study group for several years. He has also served as the church’s treasurer and on the elder board.

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  • Ernie S. Tolentino
    Ernie S. Tolentino
    Senior Vice President Investments
  • Darren Burke, CFP™, ChFC®, CRPC®​
    Darren Burke, CFP™, ChFC®, CRPC®​
    Managing Director
  • David Morehead, CRPS©, CPFA©
    David Morehead, CRPS©, CPFA©
    Vice President Advisory Services
  • Matthew R. Haerr, CFA, CIMA, AIF
    Matthew R. Haerr, CFA, CIMA, AIF
    Sr. Wealth Manager - Retirement Plan Advisor
  • Daniel T. Dubois​
    Daniel T. Dubois​
    Managing Director
  • Gonzalo Villamil
    Gonzalo Villamil
    Senior Retirement Consultant
  • Cory McCarthy
    Cory McCarthy
    Client Services
  • Larry E. Jones, AIF
    Larry E. Jones, AIF
    Financial Consultant
  • Taylor R. Jones
    Taylor R. Jones
    Financial Consultant
  • Ben Hodge, AIF®
    Ben Hodge, AIF®
    Financial Consultant
  • Shawna Christiansen
    Shawna Christiansen
    Retirement Consultant
  • Stuart White
    Stuart White
    Insurance Consultant
  • Lisa Jungers, PRP
    Lisa Jungers, PRP
    Principal Emeritus
  • Kathy Baez, PPC​
    Kathy Baez, PPC​
    Relationship Manager
  • Matthew J. Mikolajewski, CRPC®
    Matthew J. Mikolajewski, CRPC®
    Financial Consultant
  • Russell B. Wittman
    Russell B. Wittman
    Financial Consultant
  • Winston Ventura
    Winston Ventura
    Director of Client Services
  • Stephanie Ng
    Stephanie Ng
    Client Service Associate
  • Christopher W. Lowe, CFP®
    Christopher W. Lowe, CFP®
    Financial Advisor
Ernie S. Tolentino
Senior Vice President Investments

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Ernie

etolentino@rbgnrp.com
+1 (858) 551-4015 x 247

Ernie joined Retirement Benefits Group (formerly The Founders Group) in October of 2008 as Senior Vice President, Investments after serving as Vice President, Investments for AIG Financial Advisors in Del Mar. Ernie’s expertise is working with individual investment and retirement management.  He is a fixed income specialist with extensive experience in tax-free municipal bonds. Throughout his career he has continuously helped his clients with strategies to generate a lifetime income in their retirement.

Ernie has been involved in the Financial Services Industry for 19 years. His career began in 1997 at Merrill Lynch where he last served as Manager's Assistant in their Rancho Santa Fe office. Beginning in 1999, he joined Prudential Securities where he developed his experience in the areas of: Comprehensive Wealth Management; Employee Stock Options; Retirement Planning; Education Planning; Variable Annuities and life Insurance.

Education

Ernie studied Economics at San Diego State. Financial Consultant Holds s7 and registered with LPL as representative. CA Insurance Lic# 0C70649.

Interest

Ernie is an avid golfer and enjoys fishing, running and cycling in his spare time. He participates in a number of philanthropic efforts ranging from the San Diego Lifeguards to fundraising for the San Diego State Soccer Foundation. He applies the principles of trust, respect and communication not only in his personal life but in each and every interaction with his clients.

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Darren Burke, CFP™, ChFC®, CRPC®​
Managing Director

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Darren_B

dburke@rbgnrp.com
+1 (858) 551-4015 x 251

Darren has been providing qualified retirement plan services to businesses and their employees since 2003. His comprehensive approach seeks to help plan sponsors limit their exposure to fiduciary liability while creating an exceptional experience for their employees. Darren’s areas of expertise include plan design and compliance support, investment monitoring and reporting, participant education and investment guidance, vendor search and benchmarking, and full fee disclosure and fiduciary documentation.  In 2010, Darren was named one of the Top 300 Most Influential 401k Advisors in the country by 401(k) Wire Magazine (Based on reader votes, input from distributors and statistics about advisor practice).


Prior to joining RBG in 2009, Darren built a successful retirement practice with Merrill Lynch. After consecutive years of rapid growth and with plan sponsors needs quickly changing, Darren moved his practice to RBG to give his clients more options in an effort to better serve their needs.


In addition to qualified plan consulting, Darren is a CERTIFIED FINANCIAL PLANNER™ practitioner and works with families and individuals to clarify their financial goals and assist them with developing a plan to pursue those goals.  Darren’s expertise includes retirement planning, estate planning, insurance, annuities, equities, fixed income, and asset allocation.  Darren’s holistic process helps his clients formulate and work toward their financial goals with confidence.

Education

Darren is a graduate of the University of Delaware where he received his Bachelors of Science degree in Economics.  Since completing his formal education, he has also earned his CERTIFIED FINANCIAL PLANNER ™ (CFP™) and Chartered Financial Consultant (ChFC®) designations. Darren has also received the Chartered Retirement Counselor (CRPC ®) through the College of Financial Planning.

Interest

Darren resides in Pacific Beach with his wife, Patricia. His interests include traveling, sailing, cycling, mountain biking, hiking, snowboarding, or just spending time with friends and family. In his spare time, you can find Darren planning his next trip or volunteering in the community.

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David Morehead, CRPS©, CPFA©
Vice President Advisory Services

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david

dmorehead@rbgnrp.com
+1 (858) 551-4015 x 250

David has been in the financial services industry since 2007. His area of expertise involve fee based consulting for both employee retirement plans and individual investors. He holds both his Series 7 and Series 66 FINRA registrations with LPL Financial as well many industry designations such as Chartered Retirement Plan Specialist, Accredited Investment Fiduciary and Professional Plan Consultant. David was also nominated as one of the 300 Most Influential Retirement Plan Advisors in 2010 by PlanSponsor Magazine. (Based on nominations from industry peers and quanitative factors, including number of plans and dollar value of plan assets under advisement.) These designations and accolades indicate the high level of proficiency David has when it comes to seeking to provide clients with the optimal solution for their retirement planning needs.

In the news

Education

David holds a Bachelor of Science Degree in Management Science from the University of California San Diego. His education there provided him with in depth knowledge of statistical analysis, economic theory and business management that he has parlayed into a career where he uses these skills maintain a high level of client satisfaction. Financial Consultant holds s7 and registered with LPL Financial as a representative.

CA Insurance Lic. #0F73156

Interest

Outside the office, David is very active in the San Diego baseball community. He played competitively at all levels of the game across the nation for 21 years before beginning to coach youth baseball teams in the area. He currently lives in Escondido with his wife, Miranda, and their two Basenjis, Puma and Elvis.

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Matthew R. Haerr, CFA, CIMA, AIF
Sr. Wealth Manager - Retirement Plan Advisor

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MattHaerr (1)_1

mhaerr@rbgnrp.com
+1 (951) 303-8350

Matt has been a Financial Advisor for over 20 years. He has worked with company sponsored retirement plans, family and personal wealth management, and personal retirement planning throughout his career.

His work with business owners and corporations has helped to provide their firms with solutions to company retirement plans like 401k, profit sharing and pensions.

His experience includes past positions with LPL Financial, Morgan Stanley and Smith Barney/Citigroup.

Education

Matt’s qualifications as a Financial Advisor are extensive. He has a B.S. degree in business administration and finance. He has earned the professional credentials of Chartered Financial Analyst, Certified Investment Management Analyst, and Accredited Investment Fiduciary. He is a Registered Principal and Registered Representative. He is a member of the CFA Institute, the Investment Management Consultants’ Association, and the Center for Fiduciary Studies.

CA Insurance Lic. #0A67501

Interest

Matt's interests are hiking, woodworking, and music. He plays on the worship team at Calvary Chapel Bible Fellowship in Temecula. He and his wife Trish, have 2 dogs and 3 cats.

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Daniel T. Dubois​
Managing Director

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daniel

ddubois@rbgnrp.com

+1 (858) 551-4015 x 840

Dan is a 25 year veteran of the financial industry and is a leading specialist in designing, customizing and implementing investment and retirement programs for members of professional and trade associations. Dan spearheads RBGs affinity and association group marketing and service platform for retirement plans.  In 1985 Dan started his career as a financial consultant specializing in fixed income and tax-advantaged investments. His early success led to becoming the youngest broker ever appointed Managing Executive of a branch office for one of the nation’s largest broker/dealers.

Prior to affiliating with RBG, Dan served as President of a nationally registered FINRA broker dealer which was focused on providing executive benefits and retirement plans to large public and privately held corporations.

Dan has authored numerous articles on retirement planning strategies, was the host of Perspectives on Profit - a five minute live market commentary that was aired daily on KWHY-TV in Los Angeles, was featured in Business Week as a college student for a successful entrepreneurial venture, and is a regular guest speaker at industry conferences.

Education

Dan is FINRA Series 7, 24, 63, and 66 securities registered with LPL Financial.  He also holds life, health and variable insurance licenses.  In 1985 Dan graduated from the University of Connecticut with a B.A. degree in Economics. He also earned an academic certificate in Personal Financial and Estate Planning from San Diego State University after successfully completing a comprehensive two year advanced studies program through SDSU's graduate school of business

Interest

Dan lives in San Diego, CA with his wife Tina and their two children.

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Gonzalo Villamil
Senior Retirement Consultant

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gvillamil@rbgnrp.com
+1 (858) 551-4015 x 870

Gonzalo Villamil is a Senior Retirement Financial Consultant with Retirement Benefits Group and RetirementDNA.  Gonzalo draws from over 13 years of experience and utilizes a consultative approach to understand individual client retirement needs.  His philosophy and approach in working with clients is to gain a thorough understanding of each client’s unique goals and objectives, then educate clients on the alternative strategies and solutions available before implementing uniquely customized personal financial strategies to help address their personal financial goals. Gonzalo specializes in transition services for individuals who are changing employment, retiring or need help during a life changing event, such as leaving a job or planning for college.

Education

Gonzalo is a Finance Major and a Registered Representative with and offers securities through LPL Financial. He holds FINRA Series 6, 63.

Interest

Gonzalo sits on the Board of Directors for two non- profit organizations serving the Hispanic Community and is a member of the San Diego Navy League chapter. In addition, he also volunteers his time as a youth Instructor in the United States Naval Sea Cadet Corps program at MCAS Miramar. Originally from the San Francisco Bay Area, Gonzalo enjoys camping, soccer and snowboarding.

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Cory McCarthy
Client Services

Cory Headshot_1

cmccarthy@rbgnrp.com
+1 (858) 551-4015 x 272

Cory began his career in marketing when he started his company, One Look Studios, in April of 2009. He aimed to assist small business owners with website development as well as provide affordable marketing solutions. During his junior year of college, he joined Retirement Benefits Group as an intern and was quickly promoted to Marketing Manager after graduating from the University of California, San Diego. Cory developed RBG’s company website and works with RBG’s financial consultants to create customized marketing deliverables and support the “Passion for the Participant” program.

Education

Cory earned his Bachelor’s degree from University of California, San Diego with a major in Communications. He was also a member of Phi Sigma Theta National Honor Society.

Interest

During his free time, Cory enjoys using his creative talents to write music and poetry.

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Larry E. Jones, AIF
Financial Consultant

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Larry

ljones@rbgnrp.com
+1 (858) 551-4015 x 277

Larry E. Jones is a Financial Consultant at Retirement Benefits Group and works out of the firm’s Ramona, Calif. office. Larry is a leader in developing wealth building strategies for Native American Tribes that include governmental retirement plans, minor trusts*, per capita deferred benefit plans and tribal council separation plans. As a member of the Retirement Benefits Group team, he brings an extensive background in open architecture plan design support and investment management of qualified and non-qualified retirement plans, including 401(k), 403(b), 457, profit sharing and defined benefit plans.  He works with top retirement industry experts in guiding participants to a successful and dignified retirement experience.

 Larry began his financial services career in 1989 as a securities broker at La Jolla Securities where he served as Vice President and managed broker/dealer operations, sales and support. He joined Vanguard Capital’s trading desk in 1992 and specialized in government, corporate and municipal bonds for institutional and individual clients.  In 1994, Larry left the trading desk to establish his own branch focusing on corporate retirement plan consulting and wealth management. He joined Retirement Benefits in 2013.

 *LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.

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Education

Larry holds the Series 7 General Securities Representative and Series 24 General Securities Principal Registrations through LPL Financial, and Series 65 Uniform Investment Advisor Law Exam in addition to an Accredited Investment Fiduciary (AIF®) designation.

Interest

Larry is married with three children and lives in the San Diego Country Estates. He enjoys spending time with his family, photography and playing basketball. A firm believer in supporting youth services, he served as founding President of the Board of Directors of the Boys and Girls Club of Ramona, now known as the Boys & Girls Club of Greater San Diego.

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Taylor R. Jones
Financial Consultant

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taylor

tjones@rbgnrp.com
+1 (858) 551-4015 x 266

Taylor began his career in financial services in 2006 to assist his father’s growing practice. Over the next seven years, he assisted in servicing individual accounts and providing employee education to retirement plan participants, focusing primarily on Native American Governmental Plans.

 In an effort to improve client outcomes, Taylor R. Jones joined Retirement Benefits Group in November 2013 as a Financial Consultant. He works with a team of highly-qualified professionals dedicated to the needs of companies, sovereign tribal governments and individuals through the use of employee benefit programs, life insurance, qualified and non-qualified retirement planning.

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Education

Taylor received his Bachelor’s degree in Business Management Economics from University California of Santa Cruz. He completed his final studies, “Rome Through the Ages,” an abroad program focused on language, culture and Roman Antiquity. Taylor holds FINRA Series 7, 24, and 65 securities registrations with LPL Financial. He also holds life, health and variable insurance licenses.

CA Insurance Lic. #0F93793

Interest

Taylor enjoys a variety of sports and outdoor activities including basketball, mountain biking and snowboarding. When he has the time, he is passionate about traveling and culture, and he especially enjoys world food. He also stays active in the community by chairing a group of professionals focused on contributing to the mission of the Boys & Girls Clubs of San Dieguito.

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Ben Hodge, AIF®
Financial Consultant

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ben

bhodge@rbgnrp.com
+1 (619) 272-9042

Ben Hodge is a financial advisor at Retirement Benefits Group, one of the country’s leading retirement plan consulting firms. Ben specializes in corporate retirement plan consulting with a focus on corporations, 501(c)(3) organizations and sovereign tribal governments. His role is to organize, formalize and implement each client’s fiduciary process and monitor how it affects each 401(k), 403(b), Deferred Compensation or other retirement/pension plans.

 Prior to joining Retirement Benefits Group, Ben was a financial advisor at Raymond James where he also specialized in 401(k) and retirement planning. He is an Accredited Investment Fiduciary® (AIF®), which represents a thorough knowledge of and ability to apply fiduciary practices. As a fiduciary, Ben acts in the best interest of his clients and is recognized for his ability to implement prudent policies and procedures. He holds his Series 7, 66, 24 and California Insurance licenses, as well as his California real estate broker’s license.

Education

Ben earned his Bachelors in Business Administration from Point Loma Nazarene University in 2004 and went on to receive his Master’s in Business Management from Liberty University in 2009.

CA Insurance Lic. #0G43600

Interest

Ben is active in Point Loma Nazarene University’s Fermanian School of Business community and is the founder of the school’s Cleveland Everett Roye Scholarship. Ben is also a trained member of the American Red Cross and helps to run evacuation shelters. He resides in San Diego, Calif. with his wife Susanna and four children.

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Shawna Christiansen
Retirement Consultant

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schristiansen@rbgnrp.com
+1 (858) 551-4015 x 261

Shawna is a retirement consultant for Retirement Benefits Group.  Shawna began her career in financial services in 2005 at HLW Advisors in Orange County, CA.  Shawna joined Retirement Benefits Group this year. As a retirement consultant, Shawna provides retirement solutions for corporations and small businesses.   Her goal is to create exceptional retirement plan experiences for employers and their employees while helping to ensure the highest quality programs, saving time and reducing exposure to fiduciary liability.

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Education

Shawna is registered with LPL Financial and holds: General Securities License 7, Uniform securities State Law License 63, Uniform Investment Advisor License 65 and Life & Health License. CA Insurance Lic# 0E76459.

Interest

Shawna enjoys snowboarding, running and often participates in local sporting events such as the Camp Pendleton Mud Run.  She spends the rest of her free time enjoying the beautiful beaches of San Diego.

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Stuart White
Insurance Consultant

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Stuart_white

swhite@rbgnrpins.com
+1 (818) 597-1556

Stuart is currently associated with Retirement Benefits Group as a non-registered consultant. As a  trusted professional resource, Stuart continues to provide business insight and perspective to the firm and its advisors.

Stuart began his financial services career after graduating college in 1974.  Spending 30 years with Prudential Financial and an addition 8 years as an independent financial planner, he has a wide range of insurance knowledge and expertise.  Through the use of life insurance, employee benefit programs, qualified and non-qualified retirement planning,  Stuart has established his reputation building financial independence for individuals, families and business owners.

Over the past 15 years, Stuart has been involved in several mentoring programs sharing his knowledge and passion for the business.  He has successfully launched several financial planning careers.

Stu's passion for helping people has made his career a work of love.

Education

Stuart received a B.A. in Philosophy from California State University, Northridge in 1974. CA Insurance License # 0474504

Interest

Stuart resides in Westlake Village with his wife, April. They enjoy four children and five grandchildren. Stu's interests include traveling, baseball, running marathons, golf and spending time with family and friends.

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Lisa Jungers, PRP
Principal Emeritus

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Lisa

ljungers@rbgnrp.com
+1 (858) 551-4015 x 248

Lisa is currently associated with Retirement Benefits Group as a non-registered consultant. As a trusted professional resource, Lisa continues to provide business insight and perspective to the firm and its principals.

Professional Background

Lisa has been a member of the San Diego insurance and financial services community for more than 20 years. Having started her career with a large insurance company, she later joined a major benefits consulting firm with Darrell Alford where she was the lead service manager for their institutional accounts for eight years.

In 2004, Lisa and Darrell created their own independent pension consulting boutique called Alford-Jungers Financial and Insurance Services (AJF) and worked with many of Southern California’s largest corporations. Lisa and Darrell successfully grew AJF for over six years before they decided to merge their high profile pension consulting boutique with two other prominent west coast pension firms to create Retirement Benefits Group which is now one of the country’s premier retirement plan consulting firms.

Lisa was recognized as one of the top 100 retirement plan advisers by PLANADVISER magazine from 2007 to 2011.*

Education

Lisa received a BS degree in Public Administration and a minor in Economics from San Diego State University and has done post-graduate studies achieving the PLANSPONSOR Retirement Professional (PRP), and the Financial Service Standards Professional Plan Consultant (PPC) designations.

Interests

As a native San Diegan, Lisa enjoys all that the area offers in outdoor physical activities and lives with her daughter in La Mesa.

*Based on nominations from industry peers and quantitative factors, including numbers of plans and dollar value of plan assets under advisement.

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Kathy Baez, PPC​
Relationship Manager

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kathy

kbaez@rbgnrp.com
+1 (858) 551-4015 x 244

Kathy began her career in the financial services industry in 1995 with Ford Financial Group/WS Griffith Securities in East Hanover, NJ.  In 2004, Kathy moved to San Diego CA and worked as a consultant for WS Griffith Securities, Inc. prior to joining the team of David Utter and Sean Ciemiewicz.  At RBG, Kathy’s wealth of knowledge in helping clients navigate through different clearing platforms such as UBS, National Financial Services, First Clearing Corporation, Pershing, Charles Schwab and LPL Financial is a valuable asset to the group.  She is meticulous in her work and has a strong sense of ethical responsibility in providing the highest level of service to clients and her fellow co-workers.  She enjoys working directly with clients both on a professional and a personal level.

Education

Kathy is FINRA registered with LPL Financial and holds: General Securities License 7, Uniform Securities State Law License 63, Uniform Investment Advisor License 65 as well as her California Insurance License.  Kathy is also a California Notary Public.  She holds the Professional Plan Consultant designation from Financial Service Standards, LLC.

CA Insurance Lic. #0F79880

Interest

Outside of work, Kathy enjoys traveling, photography and spending time with her husband Arturo and their two Boston Terriers, Rocky & Reina.  She loves working with her dogs in agility training and plans to get them certified as hospital and retirement home therapy dogs.  As well, she is a Certified Personal Trainer through the National Association of Sports Nutrition.

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Matthew J. Mikolajewski, CRPC®
Financial Consultant

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M 6

mattm@rbgnrp.com
+1 (858) 551-4015 x 844

Matt Mikolajewski serves as a Financial Consultant at Retirement Benefits Group in San Diego. With more than 17 years of experience in the industry, Matt specializes in developing defined strategies and recommendations for successful individuals, their families and their businesses in an effort to help them meet their short and long-term financial goals.

Specifically, Matt provides individuals, businesses and business owners with products, strategies and services in the following areas: cash/treasury management of liquid funds; assistance with investment policy design and implementation; retirement, succession, legacy and estate planning services; IRA, SEP, defined benefits, 401(k) and executive compensation plans; and life-long insurance planning, long-term care, income replacement and business succession strategies.

Prior to joining Retirement Benefits Group, Matt served as a Financial Advisor at various firms including Merrill Lynch, Prudential Securities and PaineWebber/UBS, where he focused on providing Wealth Management strategies to his clients. Additionally, Matt previously served as an owner with his successful family business for more than 10 years. As a result, Matt understands the commitment and passion his clients have for their respective professions.

Education

Matt earned his bachelor’s degree in Managerial Economics from the University of California, Davis in 1993. Additionally, he has earned his Chartered Retirement Planning Counselor (CRPC®) designation and holds his Insurance Licenses in California, Ohio and New Mexico.

CA Insurance Lic# 0B76499

Interests

Matt is a San Diego native, where he resides in Del Sur with his wife Mandy and their sons. When not at the office, Matt enjoys family time and coaching sports such as football and T-ball. He is currently a member of the Associated General Contractors of America (AGC) San Diego chapter, strongly supporting and advocating construction, building and real estate in our San Diego community. Previously, he served as a member of the East County Family YMCA for 12 years.

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Russell B. Wittman
Financial Consultant

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Russell Wittman is a financial consultant at Retirement Benefits Group, one of the country’s leading retirement plan consulting firms. As a consultant, Russ specializes in assisting plan sponsors, professional athletes, business executives, attorneys and high-net-worth individuals with their retirement planning, 401(k) and wealth management needs.

Russ provides financial advice and professional support to retirement plan sponsors, working to educate them on how to manage their fiduciary responsibilities with respect to their retirement plans and the investment options in those plans. He also provides individual employee education and planning tools that provide participants and employees with a clear understanding of their retirement benefits.

Additionally, Russ provides career assistance to professional athletes, helping them transition to a secondary career after their athletic careers are over. He strives to help athletes achieve their individual financial goals, while also educating them on the unique characteristics of different investment vehicles. Wittman listens carefully to his clients' needs, goals and concerns, and then builds customized investment strategies based on those parameters.

Prior to joining the Retirement Benefits Group family, Russ served as a financial advisor at Merrill Lynch for five years. He also worked as a sports agent for eight years, where he recruited NCAA, NFL and MLB athletes, and negotiated contracts and endorsements on behalf of the athletes. Russ worked closely with his clients’ financial and tax advisors to assure clients’ financial needs were being met.

Education

Russ earned his bachelor’s degree in Political Science from the University of Arizona in 2002. He currently holds his series 7 registration through LPL Financial and his series 66 registration through Retirement Benefits Group, as well as his California life, health and variable insurance licenses.

Interests

In his spare time, Russ enjoys CrossFit, golfing and hiking. He is also involved in various community organizations, including the Toby Wells Foundation, the Polinsky Children’s Center of San Diego County and the San Diego Honorary Deputy Sheriffs Association.

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Winston Ventura
Director of Client Services

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Winston has been a part of Retirement Benefits Group since 2011, serving as the Director of Client Services. In this role, he is responsible for building and maintaining client relationships by helping individuals reach their investment objectives and financial goals. As the primary liaison, Winston assists the advisory team with individual investment education, group seminars and the delivery and implementation of financial plans.

Prior to joining Retirement Benefits Group, Winston worked as an Account Manager at Cisco Systems.

Education

Winston received his BS from University of California, San Diego. He currently holds his Series 7 with LPL Financial, his Series 66 with both LPL Financial and Retirement Benefits Group, and has a CA Insurance License.

CA Insurance Lic. #0J00358

Interests

When Winston isn’t in the office, he enjoys spending time with family and saltwater fishing. He also enjoys snowboarding and experimenting in the kitchen.

 

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Stephanie Ng
Client Service Associate

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Stephanie Ng

Stephanie Ng currently works as a Client Service Associate at Retirement Benefits Group. She is responsible for generating individual and plan analysis reports, creating Plan Sponsor and Participant newsletters and legislative updates for 401(k) clients, while also preparing materials for educational meetings and campaigns. Stephanie serves as the contact for primary clients and plan sponsors to assist with day-to-day plan administration and is an integral part of RBG’s investment fiduciary process.

Stephanie has three years of experience in the financial services industry and is particularly passionate about working with both 401(k) plan participants and plan sponsors. A graduate of UC San Diego with a B.A. in Economics, Stephanie interned at RBG her senior year before becoming full-time. She currently holds her California Life, Accident and Health License.

CA Insurance Lic. #0K03264

Education:

Stephanie attended University of California, San Diego and earned her bachelor’s degree in Economics with a minor in Business in 2013.

Interests:

In her free time, Stephanie enjoys spending time with her family and discovering new restaurants/foods.

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Christopher W. Lowe, CFP®
Financial Advisor

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Chris_l

clowe@rbgnrp.com
+1 (310) 279-5131

Christopher W. Lowe is a CERTIFIED FINANCIAL PLANNER™ professional and financial advisor at Retirement Benefits Group, one of the country’s premier retirement plan consulting firms, where he provides highly-personalized financial planning guidance to individuals, families and business owners. His focus is on helping clients prioritize their goals as they prepare for a secure retirement.

Prior to joining Retirement Benefits Group, Chris was a financial advisor at Morgan Stanley Smith Barney and Citigroup where we worked with clients with a net worth of $10 million and more. He also worked at U.S. Trust Company and Chase Manhattan Private Bank as a Portfolio Manager.

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Education

Chris holds the Series 7, 6, 63 registrations through LPL Financial and the Series 65 with Retirement Benefits Group. He also has his California life agent and long-term care license and has earned his CERTIFIED FINANCIAL PLANNER™ (CFP®) designation. Chris earned his Bachelor degree in Business and Economics from U.C. Santa Barbara and his Master of Business Administration in International Business from Schiller International University in Paris, France.

CA Insurance Lic. #0F85678

Interest

Chris is active in the Los Angeles community where he lives and is on the Board of the Good Shepherd Center for Homeless Women and Children. He also serves on the Board of the Los Angeles Chapter of the UCSB Alumni Association and volunteers at the Museum of Contemporary Art in downtown Los Angeles.

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  • Michael T Goddard, CFP®
    Michael T Goddard, CFP®
    Managing Director
Michael T Goddard, CFP®
Managing Director

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Mgoddard@rbgnrp.com
+1 (310) 507-7948

Michael Goddard, CFP® joins Retirement Benefits Group after spending nine years building his wealth management and corporate retirement plan practice at Morgan Stanley. Prior to joining Morgan Stanley in 2003 Michael spent 20 years providing finance and accounting services to individuals and corporations. Michael approaches his diverse clients’ needs by listening, educating, and delivering high-touch client service. The result is investment portfolios that pursue individual investors’ specific financial objectives and corporate retirement plans that are designed to prepare participants for retirement.


As a result of extensive contacts developed during his corporate finance career, Michael has built a CFO networking group in Los Angeles County, the South Bay FENG (Financial Executive Networking Group). As a volunteer organizer of the Torrance-based professional networking group, he is instrumental in delivering monthly networking events that provide a friendly atmosphere for career-minded executives to develop new professional relationships and gain valuable information from a variety of speakers/topics.

Education

Michael earned his Bachelor of Business Administration degree from Dowling College on Long Island, New York in 1981 and his Masters of Business Administration from Arizona State University in Tempe, Arizona in 1994. In addition, Michael holds Series 7, 66, and 31 securities licenses with LPL Financial and a CA insurance license. He earned his Certified Financial Planner® credentials in 2007.

Interest

Michael balances work with an active lifestyle: hiking the beautiful cliffs of Palos Verdes Peninsula near his home with his wife Olga, playing golf and working out at the local gym. In addition, Michael spends considerable time sharing his extensive network of corporate executives with others.   Michael is a staunch believer in paying-it-forward when building professional relationships and regularly helps others make qualified connections to advance their careers.

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  • Darin Wassmann
    Darin Wassmann
    Retirement Consultant
  • Geoff Sebold
    Geoff Sebold
    Retirement / Financial Consultant
Darin Wassmann
Retirement Consultant

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Darin

dwassmann@rbgnrp.com
+1 (562) 787-0868

As a Managing Director with Retirement Benefits Group, Darin’s area of expertise is in plan design assistance and participant communication and education.

Darin has been in the financial services industry for 15 year and started his career with Franklin Templeton Investments in the Defined Contribution area.  Darin’s entire career has exclusively been focused in the 401(k) marketplace.

Education

Darin earned his Bachelors of Arts degree from California University Sacramento.

Interests

Darin enjoys fishing and snowboarding with his family in Mammoth Lakes, CA.

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Geoff Sebold
Retirement / Financial Consultant

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geoff

gsebold@rbgnrp.com
+1 (805) 446-4495 x 11

Geoff brings over 20 years of experience to Retirement Benefits Group in the trading and sales of U.S. money market, Treasury, municipal, derivative and domestic equity markets. He was previously a managing partner at the WealthHarbor Capital Group, specializing in the design and construction of open architecture 401(k) plans and portfolio management, and the chief investment advisor for the Capital Retirement Group.  In addition, Geoff has traded municipal bonds at JJ Kenny, ran the FRA-Interest rate swap/arbitrage desk at Tradition North America in Los Angeles, and traded fixed income securities for Lehman Brothers in New York.

Education

Geoff earned a Bachelor of Arts in Business Administration from Roanoke College in Salem, VA and an MBA in Finance and International Business from Loyola Marymount University in Los Angeles.  He holds FINRA Series 7, 52, 55, 63 registrations with LPL Financial and 66 registrations through both LPL Financial and Retirement Benefits Group. He also holds his California Life, Health and accident insurance license and the Accredited Investment Fiduciary (AIF) designation

CA Insurance Lic# 0G96273

Interests

Geoff resides in Thousand Oaks, CA with his wife and three children. His main interests are family, most sports (lacrosse, snowboarding, swimming, tennis, football, golf and on and on), news and information and pretty much any beach.

 

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  • Robert Goldstein
    Robert Goldstein
    Principal
  • David Hinderstein, AIF®
    David Hinderstein, AIF®
    Financial Consultant
Robert Goldstein
Principal

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rgoldstein@rbgnrp.com

Bob has owned and managed businesses providing investment and retirement planning services for over 30 years. Bob is an investment advisor and a CPC in the American Society of Pension Actuaries, providing broad experience in understanding plan liabilities and the asset allocation strategies needed to accomplish sponsor objectives.  As principal and past owner of Stanwich Benefits Group, Inc., he provided investment management, actuarial and 401(k) daily recordkeeping and outsource services. Bob served as the President of their Employee Investment Plan Division of The Bank of New York, developing their retirement, equity plan and insurance services. On leaving the Bank, Bob combined services with Barbara Delaney and RBG, providing employee benefit consulting and investment advisory services at StoneStreet Equity and Retirement Benefits Group. Today he’s currently working with Independent Financial Partners

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David Hinderstein, AIF®
Financial Consultant

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David_H

dhinderstein@rbgnrp.com

David Hinderstein assists Plan Sponsors and participants in responding to the many challenges in managing their retirement programs.  David has extensive background and significant expertise in helping not-for-profit, corporate, healthcare, and higher education Plan Sponsors manage their fiduciary responsibilities and manage and optimize their investment provider relationships.  As a retirement benefit veteran, David has been recognized by several industry organizations for his leading experience and expertise. He is also a frequent keynote speaker at industry conferences, and an instructor at UCLA’s Anderson School of Management Executive Education TRAU- The Retirement Advisor University, where he instructs on the not-for-profit retirement marketplace.

 David earned his BS degree in Finance from The American University in Washington, D.C., and has achieved the Accredited Investment Fiduciary® (AIF®) designation.  He is also an Investment Advisor Representative of Strategic Retirement Group, Inc., an SEC Registered Investment Advisor and a Registered Representative with LPL.

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  • William E. Hamm, CFA, ChFC, CLU, CFP®
    William E. Hamm, CFA, ChFC, CLU, CFP®
    CEO, Independent Financial Partners
  • Aaron Gilman, CFA, CFP®
    Aaron Gilman, CFA, CFP®
    CIO, Independent Financial Partners
  • Kim Shaw Elliot
    Kim Shaw Elliot
    Managing Director & ERISA Counsel
William E. Hamm, CFA, ChFC, CLU, CFP®
CEO, Independent Financial Partners

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will_ham+1 (813) 341-0960

Mr. Hamm's areas of expertise include investment analysis and evaluation, asset management, investment portfolio design and implementation, executive compensation benefits design and implementation and financial planning for corporations and individuals. Mr. Hamm holds a bachelor's degree in Economics from the University of Florida and earned his master's in Financial Services from the American College in Pennsylvania. He also holds a bachelor's degree in Business Administration with majors in Accounting and Finance from the University of South Florida. Mr. Hamm's designations include Chartered Financial Analyst (CFA), Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), and CERTIFIED FINANCIAL PLANNER' (CFP®). He is also a member of the CFA Institute, the Financial Analysts Society of Tampa Bay and the Financial Planning Association.

Aaron Gilman, CFA, CFP®
CIO, Independent Financial Partners

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aaron

+1 (813) 341-0960

Aaron conducts analytical research and due diligence for all investment types, define contribution plan reviews, and portfolio analysis and construction. Aaron's expertise is in retirement planning, estate planning, investment management and insurance planning. Aaron earned his bachelor's degree in Finance and a minor in Real Estate from the University of Florida. Securities registered since 2008, he currently holds his Series 7, 24, 63, and 65 registrations with LPL Financial. Aaron holds the Chartered Financial Analyst (CFA) designation through the CFA Institute. He is also a CERTIFIED FINANCIAL PLANNER' (CFP®).

Kim Shaw Elliot
Managing Director & ERISA Counsel

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kse

Phone: (813) 341-0960

Kim Shaw Elliot helps investment advisors successfully navigate the complex rules founded in ERISA/employee benefits, securities law, broker dealer regulation and taxes. She defines risk management strategies for retirement programs, provides thought leadership and training, and delivers solutions-based guidance to support the firm’s advisory business. Additionally, Kim also serves as ERISA counsel. Kim earned her bachelor’s degree in Mass Communication – Radio Television from Southern Illinois University at Edwardsville. Additionally, she is a three-time graduate of Washington University in St. Louis, having earned her JD, LLM Taxation and executive MBA there.

Kim holds the Fellow, Life Management Institute designation, was chaired the Employee Benefits Committee of the Missouri Bar, named President Emeritus of the Association of Corporate Counsel (St. Louis), is a frequent speaker at national conferences and is a writer about ERISA and securities topics.

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Securities offered through LPL Financial, Member FINRA/SIPC. Investment Advice offered through Retirement Benefits Group™, a Registered Investment Advisor and separate entity from LPL Financial. Financial Advisors are also registered representatives with, and securities are offered through LPL Financial, Member FINRA/SIPC. Retirement Benefits Group is a registered trademark of Retirement Benefits Group, LLC. All rights reserved.

The LPL Financial registered representative associated with this site may only discuss and/or transact securities business with residents of the following states: AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI