Ralph Acampora, CMT, Director of Technical Analysis Studies, New York Institute of Finance
Ralph Acampora has been a pioneer of technical analysis for more than 50 years. Before joining NYIF, he was Director of Technical Research at Knight Equity Markets. He also spent 15 years at Prudential Equity Groups as Director of Technical Analysis. Prior to his employment at Prudential, Ralph worked at several of the industry’s top firms, including Kidder, Peabody & Co. and Smith Barney. He co-founded the Market Technicians Association (MTA) in 1970 and continues to be an active member of the society. He founded and was the first chairman of the International Federation of Technical Analysts (IFTA).
Ralph continues to participate in the education of technical analysts, serving as teacher and lecturer for the New York Institute of Finance (NYIF) for the past 48 years and the Securities Industry and Financial Market Association’s (SIFMA) Annual Securities Industry Institute (SII). He was a trustee on the Board of the SII and involved in the establishment of the Securities Traders Association University (STAU).
Ralph is one of Wall Street’s most respected technical analysts and has been consistently ranked by Institutional Investor. He is regularly consulted by the major business news networks as well as national financial publications. He is a Chartered Market Technician (CMT), a designation he helped create which is now recognized by the Financial Industry Regulatory Authority as the equivalent of a Chartered Financial Analyst (CFA).
Nancy Altman, President, Social Security Works
Nancy J. Altman has a forty-year background in the areas of Social Security and private pensions. She is president of Social Security Works and chair of the Strengthen Social Security coalition. Democratic House Leader Nancy Pelosi appointed Altman to a six-year term, starting October 1, 2017, on the Social Security Advisory Board. The seven-person Board is a bipartisan, independent federal government agency established in 1994 to advise the President, Congress, and the Commissioner of Social Security.
Altman is the author of The Battle for Social Security: From FDR’s Vision to Bush’s Gamble (John Wiley & Sons, 2005): and The Truth About Social Security: The Founders’ Words Refute Revisionist History, Zombie Lies, And Common Misunderstandings (Strong Arm Press, forthcoming, 2018). She is co-author of Social Security Works! Why Social Security Isn’t Going Broke and How Expanding It Will Help Us All (The New Press, 2015).
Altman is the Board Chair for the Pension Rights Center, a nonprofit organization dedicated to the protection of beneficiary rights. She is a member of the Board of Directors of the Alliance for Retired Americans Educational Fund, the Institute for America’s Future, and Latinos for a Secure Retirement. Altman has an A.B. from Harvard University and a J.D. from the University of Pennsylvania Law School.
Brad Campbell, Partner, DrinkerBiddle
Bradford P. Campbell is a Partner at Drinker Biddle & Reath, LLP. He is a nationally recognized figure in employer-sponsored retirement plans. He is the former Assistant Secretary of Labor for Employee Benefits and former head of the Employee Benefits Security Administration. As ERISA’s former “top cop” and primary federal regulator, Brad provides his clients with insight and knowledge across a broad range of ERISA-plan related issues. He provides employee benefits advice to financial service providers and plan sponsors, particularly in relation to ERISA Title I issues, including fiduciary conduct and prohibited transactions. A prominent voice in the debate over the Department of Labor fiduciary regulation, Brad testified before four Congressional committees regarding the effects of the regulation, and provides clients with strategic and legal advice related to the final rule.
Brad has been listed as one of the 100 Most Influential Persons in Defined Contribution by 401kWire and has been listed as one of the top 15 ERISA attorneys in the country by a poll of the National Association of Plan Advisors. In addition, he recently testified before two Congressional Committees regarding the effects of the Department of Labor Fiduciary regulations.
Brad received his law degree, cum laude, from the Georgetown University Law Center, and his AB from Harvard University. He is a member of the bar of the Commonwealth of Virginia and the District of Columbia.
Lisa Campbell, Principal, Groom Law
Lisa Campbell advises clients on all aspects of the Affordable Care Act (ACA), including the insurance market reforms, qualified health plan standards, exchange rules, consumer assistance programs for the federal marketplace, and ACA section 1557 nondiscrimination rules. Lisa also works with clients on the Federal Mental Health Parity and Addiction Equity Act (MHPAEA), state insurance law, and Medicare and Medicaid. She represents health insurance companies, employers, consultants, and trade associations on federal and state laws regulating health coverage. She also provides advice on advocacy with federal and state agencies, compliance programs, government enforcement, and regulatory initiatives.
Lisa is the former Director of the Compliance and Enforcement Division for the Oversight Group at the Center for Consumer Information and Insurance Oversight (CCIIO) at the Department of Health & Human Services (HHS), and immediately prior to joining Groom, she was the Group Director for the Consumer Support Group at CCIIO. In her positions at HHS, Lisa worked closely with all key stakeholders, including health insurance companies, state insurance regulators, the Departments of Labor and the Treasury, trade associations, and consumer groups.
Lisa speaks and writes regularly on MHPAEA and the ACA, including presentations relating to health care reform, enforcement and the ACA section 1557 nondiscrimination requirements from the perspective of health insurers and employer plan sponsors.
Jason Disco, Director of DB Sales, BPAS Actuarial & Pension Services
Jason Disco is Director of Defined Benefit Sales at BPAS Actuarial & Pension Services. He is responsible for sales leadership and developing new distribution channels. Jason also works with BPAS financial intermediary (FI) partners to distribute actuarial and consulting services nationwide. With his extensive knowledge of Defined Contribution and Defined Benefit plans he’s able to help FI partners build their retirement practice and consult on plan design.
Prior to joining BPAS, Jason was a Retirement Services Sales Executive at Lifetime Benefit Solutions and a Director of Business Development and Marketing at ERISA Consultants. In these roles, He worked directly with plan sponsors, accounting professionals, and financial intermediaries to establish and convert new plans as well as develop and manage new distribution channels and sales leadership.
Jason attended St. John Fisher College in Rochester, NY where he earned a Bachelor of Science degree in Business Administration with a minor in Economics and Marketing.
Brian Douglas, AIF®, APA, PPC, Manager, External Sales, BPAS Plan Administration & Recordkeeping Services
Brian Douglas has spent the past 22 years consulting on Defined Contribution, Cash Balance, Defined Benefit, and non-qualified retirement plans. Brian and his team work closely with financial advisors on building successful and profitable retirement plan practices and consult in the areas of fiduciary services, plan design, investment analysis, and more.
Prior to joining BPAS, Brian was a Retirement Sales Consultant at Commonwealth Financial Network, a Regional Pension Consultant with Retirement Alliance, Inc. and held various service roles with Putnam Investments.
Brian has a Bachelor of Science degree in Marketing from Plymouth State University. He also holds the Accredited Investment Fiduciary®, Professional Plan Consultant and Accredited Pension Administrator designations, and several FINRA registrations.
Ken Grant, EVP, Chief Officer for Corporate Development, NRS, a BPAS company
Ken Grant is the Chief Officer for Corporate Development of Northeast Retirement Services (NRS), a BPAS company. He has more than 30 years of executive leadership in for-profit corporations as well as nonprofit organizations with a focus on the strategic development of financial services.
Under his leadership, NRS has expanded services to retirement, nonprofit and investment businesses.
Ken is also Chief Officer for Corporate Development of Global Trust Company, an NRS/BPAS company, with more than $18 billion under management, and Advisors Charitable Gift Fund. His other roles include serving as an officer of Savings Banks Employees Retirement Association, director of nonprofit Lift Up Africa and an Independent Trustee of The Unified Series Trust.
Ken is a graduate of Syracuse University (Bachelor of Arts), Boston University (Master of Theology) and Clark University (MBA), and has served as an adjunct faculty member at Harvard University.
David Hand, MSPA, MAA, CEO, Hand Benefits & Trust, a BPAS Company
William David Hand is a graduate of Auburn University with a Bachelor’s Degree in Mechanical Engineering. He is an Enrolled Actuary (EA), a member of the American Society of Pension Professionals and Actuaries (ASPPA), a member of the American Academy of Actuaries (AAA), a Registered Securities Representative, and a Registered General Securities Principal.
An active member in his community and a recognized leader in the pension industry, David has served as past Chairman of the ASPPA Business Owners Conference and currently serves on the ASPPA Board of Directors for CIKR (Counsel for Independent 401(k) Record keepers). David frequently speaks before professional organizations on such timely topics as “the impact of legislative and regulatory changes in the public and private pension and employee-benefit industry”, and “the impact of technology on the delivery of benefit services”. David was most recently featured in an article and white paper, “The Best Asset Allocation Solution for Retirement Plan Participants: Model Portfolio, Managed Accounts or CIFs?”
Stephen Hand, CIMA®, President, Hand Benefits & Trust, a BPAS Company
Stephen Hand graduated from Texas Tech University, majoring in Finance. He began his career with Hand Benefits & Trust as an account executive, and has broadened his duties today to include trust accounting, investments, marketing, and administrative activities.
In addition to his role as Executive President of Hand Securities Inc., a Registered Securities Representative, and an IMCA – Certified Investment Management Analyst (CIMA®), A General and FINOP Securities Principal, Stephen is President of Hand Benefits & Trust Company.
Renee House, QPA, QKA, CFC, Manager, Operations, BPAS VEBA & HRA/HSA Services
Renee House manages the operations and administration of the VEBA/HRA and HSA line of business. Her responsibilities include the oversight of Consumer-Driven Health plan administration, claims adjudication, VEBA and Section 115 compliance and manages the HSA book of business. She is an accredited member of ASPPA and ECFC with 14 years experience in BPAS defined contribution administration including 401(k), Profit Sharing, 1081(d) retirement plans as well Health & Welfare retirement plans.
Renee holds a Qualified Pension Administrator (QPA) and Qualified 401(k) Administrator (QKA) designation through the American Society of Pension Professionals and Actuaries (ASPPA) and is Certified in Flexible Compensation Administration (CFC) through The Employers Council of Flexible Compensation (ECFC). Renee attended Northern Kentucky University and State University of New York Institute of Technology.
Elizabeth Kaido, QKA, Manager, Sales Relationship Team, BPAS Plan Administration & Recordkeeping Services
Liz Kaido works with financial intermediary partners of BPAS to market combined services to plan sponsors while providing comprehensive wholesaler support to manage each partner relationship. Her extensive knowledge of DC plans is instrumental in this role – both in managing partner relationships and helping plan sponsors optimize their plan around the needs of their organization.
Over the past nine years with BPAS, Liz has gained vast experience managing a variety of Defined Contribution plans including combination 401(k) and Cash Balance, ERISA and non-ERISA 403(b), Prevailing Wage and Company Stock Plans. She earned her B.S. in Business Management and graduated summa cum laude from the State University of New York Institute of Technology. She also earned her Qualified 401(k) Administrator (QKA) designation from the American Society of Pension Professionals and Actuaries.
Krystal Kirlis-Brochu, Sales Relationship Manager, BPAS Plan Administration & Recordkeeping Services
Krystal Kirlis-Brochu, BPAS Sales Relationship Manager, works with financial intermediary partners to help support and build their retirement plan business. Before joining BPAS in 2015, Krystal served as Relationship Manager for Alerus Retirement Solutions (formerly Retirement Alliance) in Manchester, NH. At Alerus, Krystal was responsible for managing relationships, providing participant education, performing fiduciary services, and engaging in the sales and marketing process.
Krystal’s extensive background also includes serving Large Markets with ADP Retirement Services in Salem, NH. Prior to her employment with ADP, Krystal spent more than 10 years with Fidelity Investments in Merrimack, NH. Throughout her career, Krystal has developed expertise in a variety of plan types. Her experience ranges from serving and consulting with ‘small market’ manufacturing companies to Fortune 500 companies.
Krystal holds an Associate degree in Human Resource Management from Southern New Hampshire University. She is currently completing her Bachelor degree in Business Administration.
Donna Kramer, CFP®,AIF®, Senior Sales Consultant, BPAS Actuarial & Pension Services
Donna Kramer is a Senior Sales Consultant for BPAS Actuarial & Pension. In Donna’s role, she concentrates on new business development in both the DB and DC marketplace in New York City and the surrounding areas. Donna works with BPAS’ financial intermediary partners to help them foster new retirement plan business with their clients.
Prior to joining BPAS in 2017, Donna served as an Executive Vice President for Hamilton Cavanaugh & Associates, Inc./Aspire Advisors, LLC located in White Plains, New York (a BPAS advisor partner). During her almost 30 years with Hamilton Cavanaugh/Aspire, Donna provided advisory, consulting, and administrative services to plan sponsors and marketed individual financial and investment planning services to key high net worth individuals.
Throughout her career, Donna has developed expertise in a variety of plan types that range from 401(k) and 403(b) plans to various forms of non-qualified and executive compensation plans. In addition, her experience ranges from advising and servicing ‘small market’ companies to large complex health care organizations.
Donna is a Certified Financial Planner™ and an Accredited Investment Fiduciary®. She additionally maintains Life, Accident & Health licenses with New York State and holds the Series 6 and 63 securities licenses.
Barry Kublin, CEO, BPAS
Barry Kublin is the Chief Executive Officer of Benefit Plans Administrative Services, Inc. (BPAS), a provider of DC Plan Administration & Recordkeeping, Actuarial & Pension, Fiduciary, Healthcare Consulting, VEBA & HRA/HSA, Transfer Agency, Fund Administration; and Collective Investment Fund services. BPAS subsidiaries include Hand Benefits & Trust, BPAS Trust Company of Puerto Rico, NRS Trust Product Administration, and Global Trust Company.
Barry joined Community Bank System, Inc. (CBSI), parent company to BPAS in 1985. He arranged for the CBSI acquisition of BPAS, the company’s Defined Contribution administration subsidiary in 1996. Since then, the company has grown from a $1 million revenue practice to a diversified $100 million practice.
Prior to joining BPAS, he held labor relations positions with Smith Corona, Occidental Petroleum, and the U.S. National Labor Relations Board. He has served as an adjunct professor with Cornell University and LeMoyne College and has served on numerous industry related committees. He is a frequent lecturer on practice management and PR 1081 plans, and is consistently listed among the Top 100 Most Influential Professionals in the DC industry.
Barry holds a Bachelor of Science degree in Industrial Relations from Cornell University and an MBA from Syracuse University.
Joe Long, AIF®, CEBS, CPC, QPA, QPFC, External Wholesaler, BPAS Plan Administration & Recordkeeping
Joe Long has more than 30 years of experience consulting on Defined Contribution, Cash Balance, Defined Benefit and non-qualified retirement plans. Joe works closely with trust departments and financial advisors on building successful and profitable retirement plan practices and consults in the areas of fiduciary services, plan design, investment analysis and more. Prior to joining BPAS, Joe was a Regional Sales Director at July Business Services and a Retirement Marketing Director with Delaware Investments and Lincoln Financial Distributors. Joe has a Bachelor of Arts degree in journalism from the University of Oklahoma. He also holds the Accredited Investment Fiduciary® designation from the Center for Fiduciary Studies and the Certified Employee Benefit Specialist designation from The Wharton School at the University of Pennsylvania. He holds the Certified Pension Consultant, Qualified Pension Administrator and Qualified Plan Financial Consultant designations from the American Retirement Association.
Nancy Melcher, SPHR, President/CEO (Chief Engagement Officer), MOR Strategy Partners
Nancy is a seasoned human capital champion who holds distinctive training and expertise as a Communication Consultant/Coach. In her various roles as an HR Executive, Business Advisor and Owner, her entire career has been spent helping Employers and Employees optimize their unique professional connection.
In 1998, she and a team of creative marketing futurists developed the brand MOR, committed to helping employers and employees maximize our resources ( MOR ). That branding directed the path of continuous discovery, design and implementation of meaningful programs and strategies that would replace and enhance the outdated HR delivery systems which increasingly have failed to meet the needs of today’s ever changing workforce.
MOR Strategy Partners has now successfully expanded its mission and has embarked on national and regional distribution of what now includes other innovative programs/resources/technology that provide economic relief and increased benefit levels to a marketplace of underserved, disengaged benefit consumers. Nancy continues her research for the many ways to build Benefits that Benefit!
Paul Neveu, CEBS, President, BPAS Plan Administration & Recordkeeping Services
Paul Neveu is President of BPAS Plan Administration & Recordkeeping Services. He is responsible for all BPAS Defined Contribution and VEBA practices, including sales, marketing and relationship management; daily administration, programming and trust operations; plan consulting, implementation and plan documents; and related services.
Paul came to BPAS August of 2005 from Federated Investors where he was a Vice President in the Retirement Plan Sales division. Paul served nine years as a mutual-fund wholesaler covering the North and East regions of the U.S. Before joining Federated in 1996, he spent four years as a Consultant for Coopers & Lybrand LLC.
A magna cum laude graduate from the University of New Hampshire with a Bachelor of Science degree in Business Administration, Paul also majored in Music Performance. He holds the Certified Employee Benefit Specialist (CEBS) designation from the International Foundation of Employee Benefit Plans, and a certificate from the Securities Industry Institute offered at the Wharton School. He also holds the Series 7, 6 and 63 Designations.
Brian Nicholson, CRSP, Senior Sales Relationship Manager, BPAS Plan Administration & Recordkeeping Services
Brian Nicholson works with BPAS financial intermediary partners, helping them build their retirement plan business. While Brian supports all three BPAS sales channels, his experience and background warrant a particular focus on our Bank Trust and Registered Investment Advisors.
Prior to joining BPAS in 2013, Brian spent 14 years as a Senior Relationship Manager and Vice President of First-Citizens Bank & Trust Company located in Raleigh, North Carolina. Brian’s experience working with large, complex plans while serving as a plan fiduciary uniquely positions him to help Banks, Trustees, and Registered Investment Advisors build their retirement business with BPAS. He is also widely regarded for his understanding of fiduciary matters and ERISA.
Brian earned a Bachelor of Science degree in Business Administration with a concentration in Managerial Finance from East Carolina University. He holds a Certified Retirement Services Professional (CRSP) designation and maintains his 6, 63, and 65 securities licenses.
Garry Payne, CLU®, ChFC®, CRPC®, AEP®, Partner, The Carta Group
Garry Payne, both founder and partner of The Carta Group, finds it both enjoyable and rewarding to help people make the most of their financial assets. Through a comprehensive planning process, he specializes in helping his clients implement the appropriate risk, investment and estate planning strategies that will assist them toward their financial and life goals. This in turn will provide them with the opportunity for financial independence and a sense of security.
Born in Birmingham, England, Garry started in the financial services industry in 1984. As a financial professional, he has demonstrated a consistent ability to develop strategies to help protect and potentially grow the hard-earned assets of his clients. Garry is active in both community and industry affairs. He is a Past-President and member of the Board of Directors for the Ronald McDonald House of Central New York and is on the Board of Directors for Elmcrest Children’s Center. He holds the Certified Life Underwriter (CLU®), Chartered Financial Consultant (ChFC®), Chartered Retirement Planning Counselor (CRPC®) and Accredited Estate Planner (AEP®) designations. Garry is also a Past-President and current member of the Central New York Chapter of The Society of Financial Service Professionals (SFSP), a Past-President and member of the Syracuse chapter of the National Association of Financial Advisors (NAIFA) and a member of the Estate Planning Council of Central New York. In addition, Garry was the recipient of the NAIFA Syracuse 2012 William J. Crandall Distinguished Service Award given to those individuals that exemplify the highest ideals of our profession.
His areas of expertise include investment, retirement and estate planning. He also focuses on helping business owners plan for their companies succession and executive compensation.
Dave Ritchie, Senior Vice President, VEBA Sales, BPAS VEBA & HRA/HSA Services
David Ritchie joined BPAS in 2013. He is responsible for sales leadership, product development and the creation of new distribution channels. David engages health care consulting firms and other advisors, Taft Hartley representatives, and public- and private-sector employers to create tax-free solutions to pre- and post-retirement health care expenses.
David is a national expert on VEBA/HRA issues. He brings to BPAS his more than 15 years of industry leadership, covering all aspects of employee benefits. In addition to VEBA/HRA services, David specializes in GASB 45/OPEB mitigation solutions, union negotiation and bargaining, consumer-driven healthcare options, and overall healthcare consulting.
Steve Saxon, Principal, Groom Law Group
Stephen Saxon works on a wide variety of administrative, litigative, and legislative matters involving tax-exempt organizations and ERISA. He specializes in matters relating to Title I of ERISA, with respect to which he has obtained scores of advisory opinions and exemptions. Stephen also represents tax-exempt clients in IRS audits and appeals procedures, as well as in restructuring non-profit organizations to address unrelated business income tax and other issues. In addition, he has worked on numerous Department of Labor audits of plans and financial institutions that service plans.
Ralph Simone, Emergent
Ralph Simone has spent over a quarter of a century helping individuals and organizations transform themselves, raise their consciousness, and perform at their fullest potential.
As a Black Belt in karate and an avid reader, Ralph understands the benefits of consistent practice and continuous learning as an integral part of leadership development.
He received his B.B.A. from Siena College in 1979 with a major in accounting. He is a Certified Professional Coach, specializing in leadership and organizational effectiveness, and has amassed more than 15,000 paid coaching hours. Additionally, he holds the following certifications:
- Myers-Briggs Type Indicator
- The 7 Habits of Highly Executive People –Facilitator
- Emotional and Social Competency Inventory
- Leadership Agility
- Leadership Development Framework
- COR.E Performance Dynamics Specialist
An accomplished writer and sought-after speaker, Ralph is currently writing a book entitled, “Transforming: A Leader’s Guide to Integrated Intelligence.” He also published, “Making it Stick” and “The Daily Retweet.”
Vince Spina, President, BPAS Actuarial & Pension Services, BPAS Healthcare Consulting Services
Vince Spina is a founding officer of BPAS Actuarial & Pension Services and BPAS Healthcare Consulting Services. Prior to starting BPAS Actuarial & Pension Services in 2003, he spent 15 years with PricewaterhouseCoopers LLP (PwC), 10 of which were as partner and Market Leader of PwC’s Global Human Resource Solutions’ Syracuse Office.
Vince is President of the Board for the Empire Housing and Development Corp.; member of the Human Resource and Benefits Committee of the Roman Catholic Diocese of Syracuse, NY; member of the Board of Directors and Investment Committee of the Syracuse Diocesan Investment Fund; Trustee of Le Moyne College; past-Director, past‐Treasurer and Chair of the Investment Committee of the Upstate Medical University Foundation; former Director of the Arc of Onondaga Foundation; and a former Board member of the Syracuse Chapter of the New York Employee Benefits Conference (NYEBC). He has been a lecturer for the National Association of Accountants, the NYS Society of Certified Public Accountants, the Syracuse Business Journal, and NYEBC.
Vince is a summa cum laude graduate of Le Moyne College with a Bachelor of Arts degree in Mathematics and minor concentrations in English and Philosophy. He is an Associate of the Society of Actuaries, a Member of the American Academy of Actuaries, and an Enrolled Actuary licensed to perform actuarial services under the Employee Retirement Income Security Act of 1974 (ERISA).
Hannie Spitzack, HSA Sales Relationship Manager, BPAS VEBA & HRA/HSA Services
Hannie Spitzack is an HSA Sales Relationship Manager for BPAS VEBA & HRA/HSA Services. Hannie works with existing financial partners and develops new partnerships to help deliver the industry’s premier Roadways HSA product across the national market.
Prior to joining BPAS in July of 2018, Hannie served as a sales specialist for four years with a large health insurance carrier. There, she focused on new sales for large and small employer groups. Hannie started her career in 2010 as an insurance professional in Employer Benefits, where she worked as a small group Benefits Account Manager for an insurance agent’s office. While there she earned her Health and Life license in the state of Oregon.
Hannie received her Bachelor of Science degree in Social Work from Minnesota State University, Mankato and is licensed in Health and Life Insurance in the state of Oregon. She has also earned her Lean Six Sigma certification.
Tom Sutton, CRPS, ARPC, AIF®, Senior Employee Benefits Trust Officer, BPAS Fiduciary Services
Tom Sutton provides fiduciary oversight to BPAS pension clients with a goal of ERISA compliance. His regular duties include plan due diligence reviews, investment analysis with recommendations, and trustee communications.
Tom has nearly 20 years of experience in the corporate retirement plan marketplace. Before joining BPAS in 2013, Tom was the Vice President of Qualified Plans for Univest Bank and Trust Company. Prior to Univest, Tom started his career as a Financial Advisor in 1995 (Tucker Anthony, Inc.) and has focused on corporate retirement plans since then. He held several sales and management positions during a 13-plus year stint with ADP Retirement Services before moving to Univest.
Tom holds FINRA series 7, 63 and 26 licenses along with AIF (Accredited Investment Fiduciary), ARPC (Accredited Retirement Plan Consultant), and CRPS (Certified Retirement Plan Specialist) designations. Tom has an MBA in Finance from LaSalle University and a Bachelor of Science degree in Management from Widener University.
Ryan Tiernan, AIF®, CIMA, Senior National Accounts Manager, Capital Group | American Funds
Ryan Tiernan founded Access Point, an HSA consulting and distribution company in 2015 having been a member of the retirement and investment community for more than 15 years. His clients include retirement plan providers, asset managers, financial advisers and benefit brokers, employers,
and employees. He has also worked with the New England Employee Benefit Council, the International Employee Benefits Foundation, The Retirement Advisory Council and has been quoted in numerous publications including U.S. News and World Report.
Ryan has attained the Accredited Investment Fiduciary (AIF), Certified Investment Management Analyst (CIMA), Certified in Healthcare Consumerism (CHCC), Chartered Retirement Planning Counselor (CRPC) and Chartered Retirement Plan Specialist (CRPS) designations. He is a FINRA Series 7, 55, 63, and 66 registration holder.
Ryan earned a Bachelor of Science degree with honors from the School of Public Health at the University of Massachusetts at Amherst. He is also a member of the Investment Management Consulting Association and The Society of Human Resource Management.
Melissa Varvarezis, CFP®, QKA, Communication/Education Specialist, BPAS Fiduciary Services
As a Communication and Education Specialist, Melissa is responsible for administering education and enrollment programs for the clients of BPAS. She provides live participant education and enrollment meetings, one-on-one consultations and web-based trainings.
Melissa has been in the Financial Services industry since 2000 with a primary focus in the Defined Contribution marketplace. With previous positions at Vanguard, PNC Institutional Investments and a small financial planning firm, she has experience with customer service, sales support, plan administration and compliance. Incorporating an education degree with over 6 years in Defined Contribution training, Melissa is focused on ensuring that plan participants can easily comprehend and apply various investment concepts to their own situations.
Melissa graduated from Penn State University and holds a Certified Financial Planner (CFP®) designation.
Takisha Venable, CFP®, Sales Relationship Manager, BPAS Plan Administration & Recordkeeping Service
In Takisha’s role as a Sales Relationship Manager for BPAS, she works with financial intermediary partners, helping to support their current client base and build their retirement plan business.
Prior to joining BPAS in 2017, Takisha served as a Senior Account Manager for Hamilton Cavanaugh & Associates, Inc. located in White Plains, New York (a BPAS advisor partner). During her 17 years with Hamilton Cavanaugh, Takisha provided advisory, consulting, and administrative services to plan sponsors and various levels of education to plan participants. Additionally, Takisha was the firm’s internal expert on executive compensation plans and 529 plans as well as the person responsible for managing the conversion process for new plans.
Throughout her career, Takisha has developed expertise in a variety of plan types that range from 401(k), 403(b), and 1081 plans to various forms of non-qualified plans. In addition, her experience ranges from advising and servicing ‘small market’ companies to large health care organizations.
Takisha is a Certified Financial Planner™ and holds a Retirement Plans Associate designation from the International Foundation of Employee Benefit Plans. Furthermore, Takisha maintains Life, Accident & Health licenses with New York State as well as 6, 26, 63, and 65 securities licenses.
Greg Woods, CIMA®, Senior Vice President, BPAS Fiduciary Services
Greg Woods has over 20 years of experience in investment management and the financial services industry. He joined BPAS in 2011. His responsibilities include investment evaluation and portfolio and investment management. He also is a member of several investment committees and helps oversee investments and compliance of the firm’s Collective Investment Trusts.
As part of BPAS Fiduciary Services, Greg provides an array of fiduciary and investment services to assist financial intermediaries and plan sponsors. This includes the creation of an Investment Policy Statement; monitoring the performance of funds versus the IP; making fund recommendations for additions, deletions and, replacements; and a range of other fiduciary services to assist BPAS clients.
Prior to joining BPAS, he was the Vice President, Portfolio Manager, and Chief Compliance Officer for Lightstone Capital Advisers, where he managed multiple retail and institutional investment products.
Greg graduated from Fordham University’s Gabelli School of Business where he earned a Bachelor of Science degree in Finance and Economics. He holds the Series 65 license and the Certified Investment Management Analyst® designation.