Will is the Chairman of the Arizona Public Safety Retirement System (PSPRS). PSPRS is an over 9 Billion dollar public pension fund that is responsible for providing pensions for 52,000 active and retired Police Officers, Firefighters, Correctional Officers, and Elected Officials throughout the State of Arizona. Will is also to the Vice-Chairman of the Investment Committee and is Chair of the new Arizona State Public Safety 401(a) Defined Contribution Plan. He also serves as Chair of the City’s Health Care Trust Board which is responsible for managing the City’s self-insured Healthcare trust. He has been a Police Officer since 2003; before that was a Firefighter. He was the Treasurer and Chief Contract Negotiator for the Phoenix Law Enforcement Association from 2007 to 2016. Additionally, he serve as an adjunct professor for Glendale Community College where he teaches Administration of Justice Studies courses. He holds a Master’s of Science in Finance and also a Master’s degree of Administration with an emphasis in Leadership.
Will has been a leader at JK since the day he joined in 2007. Having grown up in a union family, Will understands the importance of protecting the vital health and welfare and pension benefits that are relied on by so many participants. With his entire career dedicated to Taft-Hartley benefits, Will has extensive experience in many different areas of employee benefits including legal compliance, administration, plan design and fiduciary liability. Will also has significant experience with withdrawal liability issues, benefit denials, claims and appeals administration, DOL/IRS audits and prohibited transaction compliance. Will also advises the firm’s labor and ERISA clients regarding EEOC compliance and investment related matters.
Will also oversees the firm’s Labor practice, where he excels at representing JK’s labor clients in all aspects of collective bargaining, arbitrations, grievance resolution, organizing campaigns and unfair labor practice charges. Will has invaluable experience representing JK’s clients throughout the Midwest in both state and federal court as well as with the National Labor Relations Board, Equal Employment Opportunity Commission, Illinois Department of Human Rights and Department of Labor. Will is also counsel to several statewide labor associations.
Honored to be recognized by his peers, Will serves as a frequent speaker with the Hoosier State Apprenticeship Conference, Illinois State Apprentices Conference, Indiana State Pipe Trades Association, Illinois Pipe Trades Association, Taft-Hartley Made in America Conference and many others.
Will is also proud to spearhead the discrimination and harassment training for JK’s clients. He’s received certifications from the Illinois Department of Human Rights and Equal Employment Opportunity Commission as part of his background to provide JK’s clients with the highest level of discrimination and harassment training.
Will provides advice and counsel to several multi-employer apprenticeship programs advising JATCs and trustees as to the design, implementation and operation of the apprenticeship program, including the drafting or revising of Apprenticeship Standards, Apprentice Selection Procedures and Affirmative Action Plans for approval by the Department of Labor.
Sally Corbin owns and operates Union Services Agency in Lansing, Michigan. The agency specializes in fiduciary liability insurance and ERISA fidelity bonds for multiemployer benefit plans, as well as other commercial insurance coverages for unions, apprenticeships, and affiliated associations. USA is licensed in twenty-eight states and is recognized as the premier specialty brokerage in Michigan.
Ms. Corbin formed her agency in 1996 with her father, Gary Corbin, following his distinguished career as a Michigan State Senator, Chief Deputy Director of Michigan’s Department of Labor and head of Michigan’s Democratic Party. The agency has thrived by concentrating on fiduciary liability insurance and ERISA fidelity bonds for Michigan’s construction industry unions, associations, and multiemployer benefit plans.
Ms. Corbin has developed a unique expertise in recommending coverages, advocating for her clients in the administration of their claims while working with the country’s best fiduciary insurance carriers. Her reputation as an industry expert continues to expand.
A mindful entrepreneur and visionary, Ms. Corbin established an additional company, USA Digital Media LLC, in 2013. USA Digital Media assists Corbin’s current clients in improving their communication techniques and digital media strategies.
Her expertise was also welcomed by the Michigan Building Trades unions and construction associations where she assisted a ballot proposal committee to fight the repeal of Michigan’s prevailing wage law. Ms. Corbin was recently appointed by Governor Whitmer to serve on the Elevator Safety Board in Michigan.
Ms. Corbin is a member of the Lansing Chapter of the National Association of Women in Construction, as well as several insurance industry association and professional societies. She is also established as a frequent speaker at the International Foundation of Employee Benefit Funds (IFEBP) Annual Conference, various IFEBP targeted conferences, the National Coordinating Committee for Multiemployer Plans (NCCMP), The Eastern Seaboard Apprenticeship Conference (ESAC) and National Training Institute (NTI) annual conference.
Bryan Curran is a director with the customer experience group of HDMS. Curran has more than 20 years of analytics, information management and consulting experience, specializing in outcomes measurement and human behavior. Curran received his B.B.A. degree and an M.A. degree in economics from Pennsylvania State University as well as an M.P.H. degree from the University of Illinois Chicago.
Randy has served multiemployer plans, their participants and sponsoring organizations for more than 40 years, spanning a broad spectrum of roles and resulting in a unique perspective. In January 2017 he assumed his current position as an independent consultant and head of DeFrehn and Associates LLC where he is engaged in benefits, government and labor relations consulting
Before embarking on his current endeavor, he served as administrator of national pension and health and welfare benefit plans in the U.S. and Canada, an employee benefits consultant, a registered investment advisor and from 2000 through the end of 2016, as the community’s lead advocate and chief spokesman on matters of public policy as the Executive Director of the National Coordinating Committee for Multiemployer Plans (NCCMP).
He has testified frequently before committees of the United States House of Representatives, Senate, and administrative agencies with jurisdiction over multiemployer plans. He is often consulted by government officials and quoted in the mainstream and trade press in the US and Europe and has appeared on CNBC’s The Kudlow Report, MSNBC’s The Dylan Ratigan Show and on National Public Radio. From 2007 to 2009, he served as a member of the Department of Labor’s ERISA Advisory Council and in 2006, he was a delegate to the White House Summit on Retirement Savings.
During his tenure at NCCMP he was instrumental in the passage of a variety of legislative measures to protect the interests of these plans and their participants by organizing and directing the activities of broad-based stakeholder coalitions to assess the future of the industry and formulate policy solutions. Most notable were the Pension Protection Act of 2006 and the Multiemployer Pension Reform Act of 2014 (MPRA) which provides additional voluntary tools for trustees of plans otherwise heading for insolvency to remain solvent and preserve participants’ benefits above what they would have received under previous law.
Recognizing that employee benefit trends no longer respect geographic boundaries, in 2009 Randy joined with like-minded advocates in Canada and the European Union as a founding member of the Transatlantic Consortium of Advocates for Worker Benefit Security to share information regarding developing trends and coordinate comments and responses to government proposals and quasi-governmental regulatory authorities. This consortium was expanded in 2013 to become the World Pension Alliance (WPA) which encompasses the full spectrum of pension advocacy organizations (multiemployer, corporate and government sponsored) from around the globe. In 2019 he became the Coordinator of the WPA.
Under his leadership, the NCCMP received the 2013 National Electrical Contractor Association’s “Industry Partner Award” for its work to preserve and protect multiemployer pension plans. Personally, Randy was recognized as a “CORPaTH Champion” in 2013, and in 2013, 2014 and 2015Institutional Investor Magazine named him a member of their Pension 40, described as a listing of “the 40 most influential people in the battle to decide the future of U.S. pensions.” In 2015, Randy received the International Foundation of Employee Benefit Plans Public Service Award which recognizes an individual’s contribution and concern for others through the advocacy and advancement of employee benefit plans; and in 2018, he was the recipient of the New York Labor Health Care Alliance Lifetime Achievement Award. From 2003 to 2012, he was a member of the Health Sector Assembly which brought together leaders of the American Medical Association, the pharmaceutical industry and private sector think tanks and policy leaders; served on the selection committee of the AMA Dr. Nathan Davis Award, recognizing the nation’s top public sector healthcare achievements; and currently serves as a member of the Health Affairs Council on Health Care Spending and Value.
A graduate of the University of Pittsburgh School of Social Work, Randy also holds a Master of Arts in Industrial Relations from St. Francis College. Loretto Graduate School of Industrial Relations, where he also served as adjunct instructor teaching graduate level courses in compensation and benefits administration.
Michael J. Devine, Ph.D Director, Special Investigations Unit (SIU)
Michael Devine has been a member of the LA Care Special Investigations Unit (SIU) since November, 2018. In July of 2019, Devine was selected for the position of Director of the SIU at LA Care. He brings a wealth of experience in the area of healthcare fraud investigation. Prior to joining LA Care, he was the Director of the SIU Western Region at Anthem Blue Cross. Devine also served as a Senior Investigator for the SIU at Anthem and had a reputation as a tenacious Investigator with numerous criminal prosecutions and multiple recoveries in the millions of dollars.
Devine is a former Federal Law Enforcement Officer with a 24-year career as a Special Agent with the Naval Criminal Investigative Service (NCIS). Devine was also a task force member at the Federal Bureau of Investigation (FBI) for 12 years, serving as a Senior Investigator of the Espionage Squad. During his career, Devine was nominated Agent of the Year three times and received a Life-Saving Award from the American Heart Association. Devine was also a Naval Reserve Intelligence Officer and retired as a Navy Captain after a 30-year career in the Naval Reserves. He has served as the Commanding Officer of a Defense Intelligence Agency Unit, the Deputy Chief Staff Officer for Inspections, as a member of the Military Intelligence Support Team for the 2004 Olympics and was recalled to active duty following the tragic events of 9/11.
He has a Ph.D. in Criminal Justice from Sam Houston State University; a Master’s Degree in Police Science and Administration from Sam Houston State University and a Bachelor’s Degree from Westfield State with a double major of Criminal Justice and Social Science.
Andy Johnson is the Fund Administrator of the Teamster Center Services Fund, a Taft-Hartley trust fund located in Manhattan. The Teamster Center Services Fund provides employee assistance, behavioral health management, and a variety of other services to twenty Teamster unions in the metro New York area. The TCS Fund presently serves eighteen Teamster benefit funds and the 32,000 Teamster families covered by those plans.
The Fund’s employee assistance program (EAP) provides and advice and referrals to members seeking treatment for substance abuse and/or mental health issues for themselves or their dependents. The EAP program is directly involved in over 1,800 patient referrals each year.
During his tenure as the Fund’s Administrator, Andy has expanded the scope of the Fund’s member assistance program, developed a variety of group purchasing discount products for the member Funds and has seen the program become a national for model directing patients to high quality, low cost treatment services.
Andy is a member of the Health Care Management Committee for the International Foundation of Employee Benefit Plans and serves on the We Care Advisory Group of the Blue Cross Blue Shield Association.
Mr. Johnson holds a Master’s degree from the Teachers College of Columbia University and Bachelor’s degree from the State University of New York at Oswego.
Mr. Kamp is the Managing Director for Ryan ALM, which he joined in July 2019. At Ryan ALM, Russ is responsible for sales/marketing and client service. Mr. Kamp has 38 years of experience in the retirement industry. Prior to joining Ryan ALM, Russ was the Managing Partner for Kamp Consulting Solutions (KCS), which was a full-retainer asset and liability consulting firm focused on providing services to defined benefit and defined contribution plans, and endowments and foundations. Mr. Kamp is a passionate advocate for pension reform and legislative efforts in Washington, DC frequently writing and speaking on the subject. Prior to launching KCS, Kamp was a Senior Vice President and Director, Asset Management, for Two Sigma Investments, where he helped launch a long-only business. Before joining Two Sigma, Mr. Kamp was CEO of Invesco Quantitative Strategies Group (IQS). IQS was a quantitatively oriented equity, alternative, and global macro investment group that managed more than $30 billion for institutional clients. Mr. Kamp began his career as an analyst for Janney Montgomery Scott’s Investment Management Control division, an asset consulting firm that was later acquired by Evaluation Associates, Inc., where he became a Senior Vice President, senior consultant, and partner, serving the defined benefit community.
Mr. Kotlyarov is an attorney at Germaine Law Firm, PLLC in Cedar Rapids, Iowa. He focuses on providing high quality representation to employee benefit funds and helping fulfill the firm's mission of helping training programs become more powerful and dynamic, thereby increasing the way a society values a career in the trades. Mr. Kotlyarov represents apprenticeship programs across the nation and helps them identify effective strategies to alleviate risk as well as innovative and effective ways to improve. Mr. Kotlyarov also specializes in mitigating cybersecurity risks for employee benefit funds. In addition, Mr. Kotlyarov is one of the hosts of Germaine Law Firm's podcast Talking Training with the Trades. He graduated from the University of Missouri- Kansas City with an undergraduate degree in accounting, J.D. and an LL.M. in taxation.
Michael Ledbetter is a partner in the firm of Ledbetter Parisi LLC. The firm limits its practice to the representation of Taft-Hartley funds and related entities. Mike is a regular speaker and author regarding issues facing multi-employer funds. He is licensed to practice law in Ohio, Michigan and Indiana, before the Federal courts in the Northern and Southern Districts of Ohio, before the Federal Courts in the Northern and Southern Districts of Indiana and before the U.S. Sixth Circuit Court of Appeals.
After serving in the United States Army with the 1st Armored Division in Erlangen, West Germany, Mike earned a B.A. from Bowling Green State University and a J.D. from the University of Dayton School of Law. Mike has earned the Certified Employee Benefit Specialist designation through the Wharton School of the University of Pennsylvania and the International Foundation of Employee Benefit Plans.
Jacques S. Loveall President & International Vice President
UFCW 8- Golden State
Jacques Loveall is President of UFCW 8-Golden State and Chairman of the UFCW TRUST, serving 125,000 participants, dependents and retirees of pension and healthcare benefit funds covering the Food and Drug Industries.
He is Vice President of the 1.3 million-member United Food and Commercial Workers International Union and Vice President of the 2.1 million-member California Labor Federation.
Loveall is on the Board of America’s Agenda: Healthcare for All working to shape health care reform policies to contain growth in health costs and guarantee affordable, high quality care to every American.
As the Chairman of the Joint Health Initiatives Committee, he developed and launched initiatives such as the Union Family Care and Wellness Centers to improve health care outcomes and reduce the spiraling costs of healthcare for working people and their families. In addition, he founded the Strategic Health Care Fund, an investment fund focused on Taft-Hartley trust fund ownership of healthcare services and related companies.
He established CORPaTH, an international alliance of pension trustees, consultants, asset managers, administrators, elected officials and other stakeholders committed to secure retirements. CORPaTH is focused on promoting, protecting and perpetuating defined benefit pensions.
Loveall is Chairman of the Loveall Foundation for Children, dedicated to helping underprivileged, abused and children with special needs achieve their full potential.
James “Jim” Maloney was an elected Trustee for the Chicago Policemen’s Annuity and Benefit Fund. Jim served as Chairman of the Investment Committee and also as Acting CIO. Jim retired from the Chicago Police Department as a Lieutenant assigned to the Detective Division after over 35 years. He was appointed to Mayor Richard Daley’s “Commission to Strengthen Chicago’s Pensions” which met from 2008-1010. He attended the FBI National Academy in Quantico,VA. He has an MBA and an MPA from the Illinois Institute of Technology. He also has a Masters Certificate in Financial Fraud from St. Xavier University.
He serves on the Board of Directors for the Illinois Public Pension Fund Association (IPPFA).
Matt McCambridge is co-founder and Chief Executive Officer of Eden Health, a modern primary care and insurance navigation company designed to elevate the health and wellbeing of employees everywhere.
Prior to Eden Health, he was a technology and software investor at Insight Venture Partners, a global venture capital and private equity firm with over $30 billion in capital commitments. He also worked as an analyst for the healthcare focused private equity firm, Shore Capital Partners. Since 2014, Matt has served as a board member for the nonprofit, Areté Education, and is currently the President of the Board. Areté's mission is to empower and train youth to lead successful lives
Matt was recently selected to Forbes' 30 Under 30 list for Healthcare. He earned his bachelor's degree from Harvard University and taught leadership under Ron Heifetz at Harvard’s Kennedy School of Government. He is based in New York City.
Jillian Otten is the Director of USA Digital Media LLC. based in Lansing, Michigan. Jillian began her innovative work career following her graduation from Michigan State University (MSU) where she concentrated in public relations and advertising. She earned her M.A. in Strategic Communications from Michigan State University in 2019.
Jillian helps her clients understand how new media techniques can be used for improving union organizing, apprentice and training fund communications, association communications and member services. Through targeted online advertising, she assists Apprenticeship Trustees with recruitment campaigns, advising on tactics to increase women and minority participation.
Jillian has a deep understanding of social media marketing and data analytics that accompanies her strong writing and design skills to achieve results on award-winning digital media campaigns. Jillian has been a frequent speaker at various national union and association conferences. She currently serves as on the Board as Treasurer of the National Association of Women in Construction (NAWIC) Lansing Michigan Chapter
Bruce L. Perlin
Assistant General Counsel, Office of General Counsel
Bruce L. Perlin Assistant General Counsel, Office of General Counsel
Pension Benefit Guaranty Corporation (PBGC)
Mr. Perlin is an Assistant General Counsel working on multiemployer matters for the PBGC. His work focuses on multiemployer issues involving plan partition, mergers, withdrawal liability, mass withdrawal, plan termination, and insolvency. Mr. Perlin also litigates and advises on bankruptcy matters involving PBGC. Prior to joining PBGC, he worked as an attorney with the IRS Office of Chief Counsel and drafted various guidance items affecting both single and multiemployer plans. Before joining IRS, Mr. Perlin worked at Slevin & Hart, P.C., where he focused on multiemployer plan litigation. Mr. Perlin also worked at the Sheet Metal Workers National Pension Fund and the Central States, Southeast and Southwest Areas Health and Welfare and Pension Funds. He is a fellow of the American College of Employee Benefits Counsel. Mr. Perlin received his undergraduate degree cum laude from Loyola University of Chicago, where he also received a law degree.
Patrick J. Pine
Robert F. Kennedy Medical Plan, Juan De La Cruz Pension Plan
Robert F. Kennedy Medical Plan, Juan De La Cruz Pension Plan
Patrick Pine is the Chief Administrative Officer for the Robert F. Kennedy Medical Plan and Juan De La Cruz Pension Plan. Both are Taft Hartley benefit trusts serving employees and dependents of firms having collective bargaining agreements with the United Farm Workers (UFW). He has served in these roles since 2010.
Mr. Pine previously served as the manager of corporate and union benefits for organizations including Adidas America and multiple union trusts in the Northwest for American Benefit Plan Administrators. Prior to his career in the benefits arena, he spent 20 years in the public sector in Oregon and Nevada. He worked for the late Oregon Governor Straub and also former Nevada Governor and US Senator Bryan. He managed budget and finance for Clark County (Las Vegas), Nevada and for regional utilities in Nevada and Oregon. Mr. Pine has an MBA and BA from Willamette University, Salem OR.
Mr. Pine is the current Vice Chair of the California Health Care Coalition. He is a past president of the Oregon Health Care Purchasers Coalition and past president of the Oregon Municipal Finance Officers Association. He has spoken at previous Made in America conferences.
Director of Initiatives & Programs
National Alliance of Healthcare Purchaser Coalitions
Margaret Rehayem Director of Initiatives & Programs
National Alliance of Healthcare Purchaser Coalitions
Margaret Rehayem oversees activities that bring together the talented and diverse National Alliance coalition network and other healthcare stakeholders to impact the employer community. She has over 20 years' experience working with employers in the areas of wellbeing, organizational culture, population health, wellness, and overall healthcare strategic planning.
Margaret has led cross-functional teams that implement successful approaches in healthcare and multi-stakeholder community collaboratives focused on resolving challenges and leveraging common synergies. She is a national speaker on a number of healthcare topics including health benefits, business performance, leadership, employee engagement, community health, and the impact of health and wellbeing in organizations.
Before joining the National Alliance, she was on the leadership team for almost a decade at the Midwest Business Group on Health, a leading business coalition in Chicago. She also created and managed an award-winning employee health and wellness program for 11 years at a community college. In 2013, she was appointed to the University of Wisconsin Health and Wellness Management Program Advisory Board. She has been an adjunct faculty professor since 2008 and teaches corporate health and entrepreneurship at the University of Illinois at Chicago.
Nathan Ring is licensed to practice law in Nevada, Oregon, and Washington. He focuses his practice in the areas of labor law, employee benefits, and election law.
He has represented numerous clients before state and federal courts, administrative agencies, and local government bodies. In the courtroom, he has represented clients in litigation and appeals. He advises fringe benefit plans throughout the United States on issues that include ERISA compliance, Taft-Hartley compliance, plan design, plan and agreement drafting, claims and appeals procedures, plan mergers, and plan terminations. He advises labor unions on internal union matters, bylaw and constitution amendments, political action committee and election law compliance, and a myriad of employment, labor and regulatory matters.
Nathan has served as counsel to state building trades associations, state federations of labor, and local, state and national union-union-affilaited political actions committees.
Jennifer Sargent is the Chief Revenue Officer for Vera Whole Health. Jennifer has over 20 years of experience in healthcare including roles in growth and client management leadership, marketing, and product management and development. Previously, Jennifer served as Senior Vice President of Client Solutions at Optum where she was responsible for new growth in national accounts. She has also held roles at Life Time Fitness, U.S. Preventive Medicine and Matria Healthcare .Jennifer has an extensive background in sales, marketing, product development and client management. She is an experienced public speaker including speaking events at the World Health Congress and Conference Board. Jennifer holds a B.S. and M.S. in Exercise Physiology and her MBA from the University of Minnesota.
John S. Shanklin, CFA, CAIA Senior Research Consultant
Mr. Shanklin joined NEPC in 2006 and has over thirty years of investment experience working with institutional investors.
Prior to joining NEPC, John was a Senior Consultant with Segal Advisors and with Alan D. Biller & Associates. John was a Vice President with Prudential Investment Management, where he worked for 13 years prior to joining Segal Advisors. He is a veteran of the United States Marine Corps.
John earned a Masters of Management in Finance and Marketing from Northwestern University’s Kellogg Graduate School of Management and a BS in Biology from the University of Illinois. John is a CFA charter holder and a Chartered Alternative Investment Analyst (CAIA) designee. He is President of the CFA Society of Nevada. He is an Adjunct Professor of Finance in the Lee Business School at the University of Nevada Las Vegas.
Travis Smith President of Health & Welfare Division
Foster & Foster
President, Health & Welfare at Foster & Foster. Specializing in Healthcare Solutions and Consultation for over 20 years. "I’m passionate about taking care of the people who take care of us by ensuring them the best possible benefits"
I have been doing so with Foster & Foster for over ten years and feel fortunate to be a part of this team. As the President of Health and Welfare, I work closely with medical professionals to provide honest, practical, and data-driven services specific to any client’s individual needs.
Foster & Foster partners with organizations to provide quality health care benefits while controlling the cost. We do this through a strategic approach that addresses the causes behind health care cost increases in order to control premiums rather than pass costs on to employees. As one of the nation's leading independent actuarial consulting firms, Foster & Foster works on its client’s behalf in finding the best possible benefits to optimize client retention.
Throughout my life and career, I have developed the following skills and philosophies:
Taft Hartley Knowledge
Pension & Retirement Planning
Mobility & Mortality Proficiency
Medical Pharmacy Skill
Affordable Care Act Expertise
Health and Disability
When I'm not working, I love to travel, listen to music, spend time with my family, play golf, and watch Iowa sports. Having graduated from the University of Iowa with a degree in actuarial science, I am a Hawkeye through and through.
Roy Wilkinson, RHU, REBC President and Chief Executive Officer
Wilkinson Benefit Consultants, Inc.
Mr. Wilkinson has been a long-time thought leader and recognized industry expert in the field of prescription drug benefit management. With over 30 years of practical experience, he has focused on helping Taft-Hartley and public plan sponsors with the design, negotiation, auditing, management, and administration of their pharmacy benefits. Currently he is President & CEO of Wilkinson Benefit Consultants, a national consulting firm dedicated exclusively to prescription drug consulting, and Mutual Rx, a pharmacy benefit administrator that provides the platform, facility and infrastructure for plan sponsors to control their own PBM. During his career, he was also a principal and healthcare practice leader for Milliman and Segal Consulting, two national actuarial and benefit consulting firms. He has also served as vice-chairman of MedBank of Maryland, the country’s largest state-funded patient assistance programs that provided free prescriptions for patients in need.
Roy has pioneered many of the techniques and cost-management concepts utilized today and adapted for the Rx consulting field as well as a number of alternative payment models, including RBRVS, SuperMAC, 340(B), NADAC pricing, no-load formularies, and integration of patient-assistance programs for payer cost-reduction. He introduced his first client to reference-based pricing for generic drugs in 1995 and specialty drug carve-outs in 2009.
Mr. Wilkinson holds a Bachelor’s degree in Insurance from Pennsylvania State University and will have a Master’s degree in Healthcare Administration from Massachusetts College of Pharmacy and Health Sciences conferred in 2021. Additionally, he holds the professional designations of Registered Health Underwriter and Registered Employee Benefit Consultant.