IT’S NOT JUST ABOUT YOUR COMPANY’S RETIREMENT PROGRAMS, IT’S ABOUT YOUR EMPLOYEES’ FINANCIAL FUTURE.

Wayne G. Bogosian

Wayne G. Bogosian, M.B.A., AIF®

President and Managing Director

wayne.bogosian@pfegroup.com

508-683-1400 ext. 205

Wayne is the founder, President and Managing Director of PFE Advisors, Inc. d/b/a The PFE Group, Southborough, MA, a leading retirement plan design, vendor search, investment advisory and financial education consulting firm. Wayne is a frequent public speaker, having conducted more than 1,000 workshops and seminars on topics ranging from retirement planning and investments to fiduciary oversight, corporate downsizing and mergers & acquisitions. He has co-authored two books: The Complete Idiot's Guide to 401(k) Plans and Providing Financial Education and Advice, has been quoted in a variety of publications including Business Week, CNNMoney, Employee Benefit News, Reader's Digest, USA Today, Wall Street Journal, Washington Post, and appeared on WCVB, MSNBC, and AOL.

Wayne holds a B.S. from Northeastern University, an M.B.A. from Suffolk University, is an Accredited Investment Fiduciary (AIF®), and holds various securities licenses.

    Michael Miller

    Michael Miller, AIF®

    Managing Director

    michael.miller@pfegroup.com

    415-722-9434

    Michael Miller is a Managing Director in the Hunt Valley, MD office for PFE Advisors, Inc. d/b/a The PFE Group. For over 18 years, Michael has been working hard to help improve retirement outcomes for his clients and their employees. At the plan sponsor level, Michael assists in creating the appropriate process, documentation and fiduciary oversight for a retirement plan that allows for a healthy decision-making environment in the Qualified and Non-Qualified plan arena. Common non-qualified plan projects consist of appropriate funding mechanisms and cost analysis, while qualified plan projects range from simple plan design issues to complex fiduciary education seminars. At the participant level, Michael works with PFE’s communications team and with clients nationwide to assist in the development and delivery of sound education workshops that will foster retirement readiness.

    Before joining PFE, Michael was the Executive Director - Investments of the San Francisco Corporate Services Group at Oppenheimer & Co. Prior to that, he was Vice President - Investments at UBS PaineWebber. Michael holds a B.A. from the University of California at Berkeley, and is an Accredited Investment Fiduciary (AIF®).

      Linda Austin

      Linda Austin

      Managing Consultant, Communications & Education Services

      linda.austin@pfegroup.com

      508-683-1400 ext. 208

      Linda Austin is a Managing Consultant, Communications & Education Services for The PFE Group with over 25 years of communications and benefits experience. A strategy development expert, she delivers targeted, straightforward solutions to her clients' most complex challenges using a variety of media, including personalized statements, targeted mailings, workshops, brochures, workbooks, web content, videos, and teleconferences. Topics include new plan introductions, annual enrollments, executive and total compensation statements, retirement planning, and estate planning.

      Prior to joining The PFE Group, Linda managed her own communication consulting firm, Austin & Associates, for eight years, held senior consulting positions with Mercer, Deloitte & Touche, and Employee Communication Services (Workscape). Linda holds a B.S. in Psychology from Syracuse University and is a member of the New England Employee Benefits Council.

        Fran Beecy

        Fran Beecy

        Managing Consultant, Investment Operations

        fran.beecy@pfegroup.com

        508-683-1400 ext. 224

        Fran Beecy is the Managing Consultant, Investment Operations for PFE Advisors, Inc. d/b/a The PFE Group. Fran has more than 20 years of investment-related experience including various consulting and investment management roles within the financial services industry.

        Prior to joining The PFE Group, Fran worked as Vice President, Investment Consulting Services at Fidelity Investments, where she was responsible for helping defined contribution clients understand the different products and performance offered through Fidelity. Fran worked with Fidelity's clients to develop cohesive plan designs and investment policy statements to help plan sponsors better evaluate their long-term objectives and plan performance. Fran also worked at New England Pension Consultants as an Investment Analyst. As an Investment Analyst, Fran administered portfolio manager searches, asset allocation studies, conducted due diligence on investment managers for defined benefit plans, endowments and Taft-Hartley plans. Fran holds a M.S. in Finance from Bentley University and a B.S. in Marketing from Boston College.

          WE ARE THE PEOPLE THAT CARE DEEPLY ABOUT IMPROVING THE RETIREMENT PROGRAMS YOU PROVIDE AND WE DO THE HARD WORK TO MAKE IT HAPPEN.

          Our culture is unlike other firms in our industry. We like it that way.

          Margaret Mall

          Margaret Mall

          Director of Operations/Senior Accountant

          margaret.mall@pfegroup.com

          508-683-1400 ext. 207

          Margaret Mall is the Director of Operations/Senior Accountant for The PFE Group. She has more than 25 years of progressively responsible financial, cost, and project accounting expertise, as well as office management experience. As Senior Accountant, Margaret is responsible for managing the day-to-day accounting functions including accounts payable, monthly and yearend reporting, cash management, and various other special analyses. Margaret is also responsible for The PFE Group's compliance reporting and, as Director of Operations, manages personnel, human resources and technology for The PFE Group. Margaret holds a B.S. in Business Management from Fitchburg State College and a Computerized Accounting Certificate from the New England School of Accounting.

            Don Powers

            Don Powers, AIF®

            Managing Consultant

            don.powers@pfegroup.com

            508-683-1400 ext. 215

            Don Powers is a Managing Consultant for PFE Advisors, Inc. d/b/a The PFE Group. Don has more than 20 years of retirement plan consulting experience. Don consults with  clients on all aspects of qualified, non-qualified, and international retirement plans. At PFE, Don consults on mergers and acquisitions, provider due diligence, and provider search processes from initial analysis through final negotiations and conversion. He also works with Investment and Administrative Committees to ensure their Fiduciary obligations to the plan are being met.

            Prior to joining The PFE Group, Don held positions at Third Party Administration and Consulting firms and a retirement plan provider, New York Life (now John Hancock).

            Don holds a B.A. in Finance from Bentley University and is an Accredited Investment Fiduciary (AIF®).

              Kathleen G. Anderson

              Kathleen G. Anderson

              Communications Consultant & Project Manager

              kathleen.anderson@pfegroup.com

              508-683-1400 ext. 214

              Kathleen Anderson is a Communications Consultant & Project Manager for The PFE Group. Kathleen has over 20 years of experience in the financial services industry. Kathleen manages the logistics for PFE's financial communication and education projects and develops customized financial education materials. Her prior experience with PFE includes creating quarterly client reports, vendor/client liaison during conversion and overall technical project support.

              Prior to joining The PFE Group, Kathleen was Vice President, Sales Support within the mutual funds division at Loomis, Sayles & Company, L.P., a Boston-based investment management firm. Prior experience includes account management and product analysis for Fidelity Investments and client support for Thomson Financial Services (Thomson Reuters).

              Kathleen holds a B.S. in Finance from Bentley University.

                Alexander Bogosian

                Alexander Bogosian

                Retirement Plan Consultant

                alexander.bogosian@pfegroup.com

                508-683-1400 ext. 213

                Alex Bogosian is a Retirement Plan Consultant for PFE Advisors, Inc. d/b/a The PFE Group. Alex joined the Investment Operations team in 2011 and was promoted to Retirement Plan Consultant in 2014.

                Alex supports PFE’s Compliance and Consulting team assisting the Managing Consultant on mergers and acquisitions, provider due diligence, and provider search process from initial analysis through final negotiations and conversion. Alex's responsibilities include quarterly client reporting, service provider and investment manager search, developing fiduciary training materials, training new investment analysts, and performing a variety of analytical tasks associated with client projects. Alex holds a B.S. in Business Administration from Western New England University.

                  Sarah Cook

                  Sarah Cook

                  Senior Retirement Plan Consultant

                  sarah.cook@pfegroup.com

                  443-798-7501

                  Sarah Cook is a Senior Retirement Plan Consultant for PFE Advisors, Inc. d/b/a The PFE Group. With more than 15 years of retirement plan industry experience, Sarah advises on all aspects of qualified retirement plan administration specifically compliance related issues and complex plan designs. At PFE, Sarah focuses on working with Investment and Administrative Committees to assure they are meeting their Fiduciary obligations to their plans and participants.

                  Prior to joining The PFE Group, Sarah was a Senior Plan Consultant for CDM Retirement Consultants, Inc. a Third Party Administration and Consulting firm.

                  Sarah holds a B.A. in Economics from St. Mary’s College of Maryland. She has earned her Qualified 401(k) Administrator (QKA) designation from the American Society of Pension Professionals & Actuaries (ASPPA) and her Tax-Exempt and Governmental Plan Consultant (TGPC) designation from the National Tax-Deferred Savings Association (NTSA).

                    Our job is to have good people, a good process, and good judgment to help our clients make smarter choices.

                    By a long shot, the most important choice we make in our company is who works here – because our clients count on us.

                    ADAM DANI

                    ADAM DANI

                    Senior Retirement Plan Consultant

                    adam.dani@pfegroup.com

                    508-683-1400 ext. 216

                    Adam Dani is a Senior Retirement Plan Consultant for PFE Advisors, Inc. d/b/a The PFE Group. For over 11 years, Adam has worked to help companies deliver retirement plan programs that are as beneficial to employees as they are to the companies that sponsor them. He believes an effective retirement plan should not only be cost effective but easy to administer for the company. When working with companies he helps create the processes to ensure a plan sponsor’s fiduciary duties are met. While never losing focus that the real success of a retirement program is ensuring a company’s employees are able to retire in a dignified way on their own timeline. He has worked with organizations ranging from hospital systems, higher education, to corporate plans.

                    Prior to joining PFE, Adam held positions at two leading recordkeepers, John Hancock and Lincoln Financial Group. He also spent time as an advisor at Wells Fargo Advisors & Merrill Lynch.

                    Adam holds a B.S. in Organizational Leadership from Southern Nazarene University and served in the US Coast Guard.

                      Shoshana Goldberg

                      Shoshana Goldberg, M.S., ED.

                      Retirement Plan Consultant

                      shoshana.goldberg@pfegroup.com

                      443-798-7411

                      Shoshana Goldberg is a Retirement Plan Consultant for PFE Advisors, Inc. d/b/a The PFE Group. Shoshana has almost 10 years’ experience within the retirement plan industry. Her current responsibilities include assisting retirement plan sponsors with compliance, vendor management, and investment management.

                      Shoshana began her career with Alliance Benefit Group (subsequently acquired by PSA Financial) in their compliance division and also spent time with their defined benefit group. Before joining PFE, she was the Retirement Plans Coordinator for the Retirement Plans division of PSA Financial’s Fiduciary Consulting Group.

                      Shoshana graduated from the University of Baltimore with a Bachelor’s of Science and has her Master’s degree from Fordham University.

                        Bryan Lee

                        Bryan Lee

                        Retirement Plan Consultant

                        bryan.lee@pfegroup.com

                        443-798-7303

                        Bryan Lee is a Retirement Plan Consultant for PFE Advisors, Inc. d/b/a The PFE Group. With more than 20 years of experience working in the retirement plan industry, he assists clients on all aspects of qualified retirement plan administration, and vendor management.

                        Prior to joining The PFE Group, Bryan held positions at various Third Party Administration firms as both a plan administrator and operations department manager.

                        Bryan holds a Bachelor’s degree in Marketing from Towson University, as well as the QPA and QKA designations and the Tax-Exempt & Governmental Plan Administration Certificate from the American Society of Pension Professionals & Actuaries, and multiple securities licenses.

                          Spencer McLeod

                          Spencer McLeod

                          Senior Investment Research Consultant

                          spencer.mcleod@pfegroup.com

                          508-683-1400 ext. 220

                          Spencer McLeod is a Senior Investment Research Consultant for PFE Advisors, Inc. d/b/a The PFE Group. Spencer joined the Investment Operations team in October of 2015. He is responsible for performing investment manager research, performing defined contribution plan data analysis, writing quarterly market commentaries, creating quarterly client reports, and managing PFE's investment manager database. Spencer supports PFE's Senior Investment Consultants by performing a variety of analytical tasks associated with PFE's Client Reporting process.

                            SEAN MURRAY

                            SEAN MURRAY

                            Investment Analyst

                            Sean.Murray@pfegroup.com

                            508-683-1400 ext. 219

                            Sean Murray is an Investment Analyst for PFE Advisors, Inc. d/b/a The PFE Group. Sean joined the Investment Operations team in August 2018. He is responsible for creating quarterly client reports, performing investment manager research, and managing PFE's investment manager database. Sean supports PFE's Senior Investment Consultants by performing a variety of analytical tasks associated with PFE's Client Reporting process.

                            Sean holds a B.S. in Managerial Economics from the University of Massachusetts Amherst.

                              BRITTANY OATES

                              BRITTANY OATES

                              Reporting Analyst

                              brittany.oates@pfegroup.com

                              443-798-7377

                              Brittany Oates joined PFE Advisors, Inc. in early 2016 as a Reporting Analyst. She supports PFE’s Consulting team, assisting the Managing Director with quarterly client reporting and performing a variety of tasks on client projects, including quality control and back office support.

                              Brittany began her career as an attorney and concentrated her practice in coordinated estate planning before joining a financial services firm as in-house counsel. She holds the distinction of twice being named ‘Top Attorney’ in Estate Planning by the San Diego Daily Transcript. Brittany earned a B.A. in Geography, Urban Planning from the University of California, Santa Barbara, then graduated from the University of San Diego School of Law.

                                The goal of our integrated, comprehensive approach is to help ensure every retirement plan project results in success.

                                Our people all possess: Loyalty, humility, responsibility and productivity.

                                SHELBY SHARP

                                SHELBY SHARP

                                Administrative Assistant

                                shelby.sharp@pfegroup.com

                                508-683-1400 ext. 200

                                Shelby Sharp is an Administrative Assistant for PFE Advisors, Inc. d/b/a The PFE Group. Shelby started at PFE in September 2018. Aside from her daily administrative tasks she supports both the Accounting and Communication/Education departments by performing deposits, project management, event coordinating, and data analysis.

                                Shelby holds a B.A. in Communication from Framingham State University.

                                  GEOFF SUVAL

                                  Geoff Suval, AIF®, CHFC®

                                  Senior Retirement Plan Consultant

                                  geoff.suval@pfegroup.com

                                  443-798-7400

                                  Geoff Suval is a Senior Retirement Plan Consultant for PFE Advisors, Inc. d/b/a The PFE Group. For over 21 years, Geoff has worked to design, implement and manage successful, safe and compliant retirement plans that lead to better retirement outcomes allowing participants to retire on time and with dignity. Geoff assists in the creation, execution and ongoing documentation of the appropriate processes and procedures that plan fiduciaries should follow to reduce their risk in what is an increasingly complex regulatory and litigious environment.
                                  Geoff has held management and executive level positions at both public and private institutions. Immediately prior to joining PFE, Geoff was the Managing Director of Retirement Services at First Financial Group where he was one of only two advisors nationally (out of over 3,000) authorized by Park Avenue Securities to serve in a true fiduciary capacity to retirement plan sponsors.

                                  Geoff holds a B.A. from Cornell University, and is an Accredited Investment Fiduciary (AIF®), as well as a Chartered Financial Consultant (ChFC®).

                                    BETH UNDERHILL

                                    BETH UNDERHILL

                                    Independent Communications Consultant & Project Manager*

                                    beth.underhll@iwa.pfegroup.com
                                    Beth Underhill is an independent Communications Consultant and Project Manager working with The PFE Group* with over 20 years of experience in benefits administration, employee communications and financial counseling. As a Communications Consultant and Project Manager, she assists with the design and development of financial communication and education projects.

                                    In addition to contracting with PFE, Beth runs her own independent, fee-only financial coaching practice working with moderate-income individuals and families. She resides on the Board of Advisors, and serves as Treasurer, for the Falmouth Volunteers in Public Schools organization (VIPS) with the express purpose of bringing more financial education into the Falmouth Public Schools. In addition, Beth volunteers with Junior Achievement to further her mission of providing financial education at any age.

                                    Beth holds a B.S. in Business Administration from Boston University.

                                     

                                    * Independent Communications Consultants and Project Managers are contracted by PFE to assist in the development of financial communication and education.

                                      ANDREA VASSILIADIS

                                      ANDREA VASSILIADIS

                                      Senior Retirement Plan Consultant

                                      andrea.vassiliadis@pfegroup.com

                                      508-683-1400 ext. 212

                                      Andrea Vassiliadis is a Senior Retirement Plan Consultant for PFE Advisors, Inc. d/b/a The PFE Group. With more than 20 years of retirement plan industry experience, Andrea advises on all aspects of qualified retirement plan administration, specifically compliance related issues and complex plan designs. At PFE, Andrea focuses on working with Investment and Administrative Committees to assure they are meeting their Fiduciary obligations to their plans and participants.

                                      Prior to joining The PFE Group, Andrea was a Senior Consultant / Partner with Cafaro Greenleaf, a Retirement Plan Advisory and Consulting firm.

                                      Andrea holds a B.S. in Finance from Northeastern University in Boston, and earned her Qualified 401(k) Administrator (QKA) designation from the American Society of Pension Professionals & Actuaries (ASPPA).

                                        Jake Vogelsang

                                        Jake Vogelsang, AIF®

                                        Senior Investment Consultant

                                        jake.vogelsang@pfegroup.com

                                        443-798-7490

                                        Jake Vogelsang is a Senior Investment Consultant for PFE Advisors, Inc. d/b/a The PFE Group. Jake has more than 20 years of retirement plan industry experience working with qualified and non-qualified retirement plans sponsored by corporations and not-for-profit organizations. At PFE, Jake focuses on investment analysis and manager due diligence, and oversees report production in the Hunt Valley office.

                                        Prior to joining The PFE Group, Jake was a Regional Director with Wells Fargo Institutional Retirement Services. He has held sales and relationship management roles with State Street Bank and Wachovia Bank, and worked in client services at Fidelity Investments.

                                        Jake holds an M.B.A. in Finance from Wake Forest University and a B.S. from Lehigh University. He is an Accredited Investment Fiduciary (AIF®), and is studying to obtain the Certificate in Investment Performance Measurement (CIPM®) designation.

                                          ERIC WHITE

                                          ERIC WHITE

                                          Senior Investment Consultant

                                          eric.white@pfegroup.com

                                          508-683-1400 ext. 206

                                          Eric White is an Investment Analyst for PFE Advisors, Inc. d/b/a The PFE Group. Eric joined the team in 2016. He is responsible for creating quarterly client reports, performing investment manager research, and managing PFE's investment manager database. Eric supports PFE's Senior Investment Consultants by performing a variety of analytical tasks associated with PFE's Client Reporting process.

                                          Eric holds a B.A. in Financial Economics from Susquehanna University.

                                            NATALIE K. WILBURN

                                            NATALIE K. WILBURN

                                            Senior Retirement Plan Consultant

                                            natalie.wilburn@pfegroup.com

                                            202-525-9288

                                            Natalie Wilburn is a Senior Retirement Plan Consultant for PFE Advisors, Inc. d/b/a The PFE Group. Natalie has more than 18 years of retirement plan consulting experience advising clients on all aspects of plan considerations including but not limited to investment monitoring, compliance related issues, vendor negotiations and plan design. Natalie also assists Administrative and Investment Committees in establishing and maintaining their fiduciary process to mitigate the fiduciary risk associated with ERISA Plans including documentation to ensure their fiduciary obligations are met.

                                            Prior to joining The PFE Group, Natalie worked for a top recordkeeper and two large consulting firms. Most recently, Natalie was a Senior Vice President and Practice Leader at a large National Consulting Firm.

                                            Natalie holds a B.A. in psychology from the University of South Carolina and earned the Certified Behavioral Finance Analyst designation from Allianz Center for Behavioral Finance.

                                              We are the people that care deeply about improving the retirement programs you provide and we do the hard work to make it happen.

                                              PATRICIA P. BAILLIEUL

                                              PATRICIA P. BAILLIEUL, CFP®

                                              Independent Presenter and Financial Counselor*

                                              Pat Baillieul is an independent Presenter working with The PFE Group*. She is a Certified Financial Planner® practitioner and has conducted workshops nationally since 2015.

                                              Most recently Pat was a partner at Village Financial Partners in Newton, Massachusetts, a boutique practice focused on financial and life planning, investment management and retirement planning. In addition to working with individuals and families to create realistic life and financial plans, Pat participated in financial seminars for clients and community groups, and volunteered at Newton North High School, teaching financial planning, investment management and retirement planning.

                                              Immediately prior to joining Village Financial Partners, Pat worked with New Directions in Boston as a life and career coach. Earlier in her career, Pat spent 19 years in executive positions in health care and financial services companies. Pat received a BA from UMass Amherst, an MBA from Harvard Business School, and is a graduate of the Program for Financial Planners at Boston University.

                                               

                                              * Independent Presenters/Financial Counselors are contracted by PFE to deliver financial education only. Any and all financial counseling services provided for PFE and its clients is in a non-fiduciary capacity and should be considered general/educational only. It should not be considered financial planning, investment, tax or legal advice.

                                                Robert W. Canfield

                                                Robert W. Canfield, M.S., CLU, ChFC

                                                Independent Presenter and Financial Counselor*

                                                508-683-1400

                                                Bob Canfield is a Presenter for The PFE Group. He began his forty-year career in the financial services industry following service in the U.S. Air Force. Bob's extensive corporate experience included marketing program development, retirement plan design, broker relations, and client communications. Bob also wrote and taught courses on management development, and has contributed articles to The National Underwriter. He travels extensively conducting retirement planning workshops and has presented numerous seminars on the JHN-TV satellite network.

                                                Bob holds a B.B.A. in Marketing from the University of Memphis and an M.S. in Financial Services from The American College. He is a Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC).

                                                 

                                                * Independent Presenters/Financial Counselors are contracted by PFE to deliver financial education only. Any and all financial counseling services provided for PFE and its clients is in a non-fiduciary capacity and should be considered general/educational only. It should not be considered financial planning, investment, tax or legal advice.

                                                  Daniel J. Galli

                                                  Daniel J. Galli, M.Ed., CFP®

                                                  Independent Presenter and Financial Counselor*

                                                  Dan Galli is an independent Presenter working with The PFE Group*. He is a practicing Certified Financial Planner® practitioner with over 30 years of experience. He has conducted hundreds of workshops nationally over the last 15 years. Dan is Principal of Daniel J. Galli and Associates.

                                                  Dan is a member of the adjunct faculty at Boston University teaching Retirement Planning and Employee Benefits and is a contributing author and editor for the Retirement Planning and Employee Benefit sections of Boston University's online Financial Planning course. He has also taught at Northeastern University in Boston. Dan has been quoted in the Boston Sunday Herald, the Boston Globe, and other major publications. He has conducted Personal Financial Chats for The Boston Globe's website, www.boston.com. He has also served on the steering committee of the Massachusetts Financial Education Collaborative (MFEC) to help promote financial literacy in MA and has worked with legislatures on Beacon Hill to help promote financial literacy and the recognition of financial planning, specifically, the CFP® mark.

                                                  Dan is a past President of the Financial Planning Association of MA. Dan holds a B.S. from Boston University and an M.Ed from Bridgewater State College. He taught professionally for 11 years prior to beginning his financial services career. He is a Certified Financial Planner™ practitioner, Chartered Life Underwriter and a Chartered Financial Consultant. He holds various securities licenses and is a Securities Principal.

                                                   

                                                  * Independent Presenters/Financial Counselors are contracted by PFE to deliver financial education only. Any and all financial counseling services provided for PFE and its clients is in a non-fiduciary capacity and should be considered general/educational only. It should not be considered financial planning, investment, tax or legal advice.

                                                    Clifford J. Jurdi

                                                    Clifford J. Jurdi, M.S., CFP®, ChFC

                                                    Independent Presenter and Financial Counselor*

                                                    Cliff Jurdi is an independent Presenter working with The PFE Group*. He is a Certified Financial Planner™ practitioner and has conducted hundreds of PFE workshops nationally over the last 15 years. Cliff is the Principal of Clifford J. Jurdi, CFP ®, CHFC. He is a Registered Representative, as well as an Investment Adviser Representative of Commonwealth Financial Network, Member FINRA/SIPC, and a Registered Investment Adviser.

                                                    Cliff's specialty is comprehensive financial and retirement planning, which includes investment analysis, risk management and estate planning. Cliff is also an instructor in the Master's in Taxation curriculum at Northeastern University. He teaches Retirement Planning and Employee benefits at Northeastern. He has also taught Risk Management as well as The Financial Planning Process at Northeastern's CFP® curriculum. In addition, he is an adjunct faculty member at Boston University, teaching Retirement Planning and Employee Benefits in the Certified Financial Planner™ curriculum.

                                                    Cliff holds a M.S. in Financial Planning from Bentley College; has been inducted into Beta Gamma Sigma; and a roster member of the FINRA board of arbitration. As a Registered Representative of Commonwealth Financial Network, Cliff holds series 7, 24, 63 and 65 licensing as well as multiple state insurance licensing.

                                                     

                                                    * Independent Presenters/Financial Counselors are contracted by PFE to deliver financial education only. Any and all financial counseling services provided for PFE and its clients is in a non-fiduciary capacity and should be considered general/educational only. It should not be considered financial planning, investment, tax or legal advice.

                                                      ERIC ROBERGE

                                                      ERIC ROBERGE, CFP®

                                                      Independent Presenter and Financial Counselor*

                                                      Eric Roberge is an independent Presenter working with the PFE Group*. He is a practicing Certified Financial Planner™ practitioner and has conducted workshops nationally since 2015. Eric is the founder of Beyond Your Hammock, a Registered Investment Adviser that helps professionals in their 30s and 40s do more with their money.

                                                      In 2016, InvestmentNews named Eric to their exclusive 40 Under 40 list, Wealth Management Magazine called him one of the top 10 CFPs under 36, and Financial Advisor Magazine said he was one of the top 10 Young Advisors to Watch**. He has shared his innovative financial planning and money management techniques in the Wall Street Journal, CNBC, and USA Today, and writes articles for Forbes, The Huffington Post, and MONEY Magazine. Eric has presented at major industry conferences across the country. His previous experience as a mutual fund analyst at State Street Bank and assistant treasurer at JPMorgan Chase provides him with a well-rounded perspective which he openly shares with his audiences.

                                                      Eric graduated from Babson College in 2002, and has been a member of the alumni association board of directors since 2012. He is also a founding member of the XY Planning Network, an active member of NAPFA, and sits on the board of the Massachusetts Financial Planning Association.

                                                       

                                                      * Independent Presenters/Financial Counselors are contracted by PFE to deliver financial education only. Any and all financial counseling services provided for PFE and its clients is in a non-fiduciary capacity and should be considered general/educational only. It should not be considered financial planning, investment, tax or legal advice.

                                                      ** Awards not indicative of investment performance.

                                                        Our culture is unlike other firms in our industry. We like it that way.

                                                        OUR JOB IS TO HAVE GOOD PEOPLE, A GOOD PROCESS, AND GOOD JUDGMENT TO HELP OUR CLIENTS MAKE SMARTER CHOICES.

                                                        DAVID M. WELCH

                                                        DAVID M. WELCH, MBA, CFP®

                                                        Independent Presenter and Financial Counselor*

                                                        David Welch is an independent Presenter working with The PFE Group*. He is a practicing Certified Financial Planner™ practitioner and has conducted workshops nationally since 2015. David is the Principal of Fuller Brook Financial Partners, LLC, a registered investment adviser. David's practice is focused in two areas. He works with young individuals and couples to help them develop the financial habits that will lead to a lifetime of financial security. He also specializes in retirement planning, helping individuals and couples with cash flow management, investment advice and tax and estate planning for the next chapter in their lives.

                                                        David is a member of the Massachusetts chapter of the Financial Planning Association and has participated in their volunteer program to provide pro bono financial counseling and tax preparation assistance to members of the United States military.

                                                        David holds an M.B.A. in from the State University of New York at Albany and completed the Boston University certificate program in Financial Planning. As an Investment Adviser Representative of Fuller Brook Financial, LLC, David holds a series 65 license.

                                                         

                                                        * Independent Presenters/Financial Counselors are contracted by PFE to deliver financial education only. Any and all financial counseling services provided for PFE and its clients is in a non-fiduciary capacity and should be considered general/educational only. It should not be considered financial planning, investment, tax or legal advice.

                                                          BRAD WRIGHT

                                                          BRAD WRIGHT

                                                          Independent Presenter and Financial Counselor*

                                                          Brad Wright is an independent Presenter working with The PFE Group*. He is a practicing Certified Financial Planner™ practitioner, who has conducted workshops nationally since 2015. Brad has worked as a financial planner in both Los Angeles and Boston.

                                                          Brad earned a Bachelor of Arts degree from American University, in Washington DC, and graduated, with distinction, from UCLA's Personal Financial Planning program. Brad began his transition to financial planning over nine years ago from a successful career as a television and radio host. He has worked for ABC, NBC, and CBS Radio. His combination of talents enables him to easily connect and communicate in groups or one-on-one to collaboratively determine the best path to financial independence.

                                                          Brad serves on the Board of Directors of the Financial Planning Association of Massachusetts (FPA-MA). He has been quoted in financial publications, such as .S. News & World Report, Yahoo Finance and Boston.com, and has produced a series of engaging man-on-the-street financial education videos. He is a member of the Massachusetts Broadcasters Association and also fundraises for Boston Children's Hospital.

                                                           

                                                          * Independent Presenters/Financial Counselors are contracted by PFE to deliver financial education only. Any and all financial counseling services provided for PFE and its clients is in a non-fiduciary capacity and should be considered general/educational only. It should not be considered financial planning, investment, tax or legal advice.

                                                            Joseph J. Duran

                                                            Joseph J. Duran, CFA®

                                                            Director & Chief Executive Officer

                                                            949-999-8500

                                                            Joseph J. Duran, CFA®, is the Chief Executive Officer and Co-Founding Partner of United Capital Financial Partners (UCFP), Inc. and Director and Chief Executive Officer of PFE Advisors Inc. A proven entrepreneur, investor, best-selling author and sought after industry speaker, Joe previously built Centurion Capital, which he sold to General Electric (GE) in 2001 and served as President.

                                                            Joe is a renowned industry visionary with featured columns in both Investment News and Time magazine’s Money.com. He is a frequent contributor to CNBC, Fox Business, Bloomberg and PBS and appears regularly in both traditional and online media.

                                                            Joe is a recipient of a prestigious Ernst & Young Entrepreneur of the Year award in 2015 and the Schwab Pacesetter Impact award. His most recent book, The Money Code: Improve Your Entire Financial Life Right Now, achieved best seller status on both the New York Times and USA Today lists. Joe has an undergraduate degree from Saint Louis University and MBA degrees from both UC Berkeley and Columbia University. He earned his Chartered Financial Analyst designation in 1997.

                                                            Most importantly, Joe is lucky to have a wonderful family who inspire him every day. Joe, his wife Jen, and their daughters Charlotte, Juliette and Samantha live in Newport Coast, CA.

                                                              Gary L. Roth

                                                              Gary L. Roth, EVP, GM

                                                              Executive Vice President and General Manager

                                                              949-999-8500

                                                              Gary Roth is the Executive Vice President and General Manager of United Capital Financial Partners (UCFP), United Capital Financial Advisers (UCFA) & PFE Advisors, Inc.. He is responsible for execution of the UCFP business plan and for coordination among the key operational functions of the company. He serves on the Executive Committee and on UCFA's Board of Directors. Prior to joining UCFP, Gary was a co-founder and Senior Executive of AssureNet Ltd., a leading Internet application service provider for the Insurance and Financial Services industries. Gary spent over seven years at AssureNet in leadership positions within marketing, sales, operations, corporate development and capital formation. He also spent two years managing the Brokerage and Bank business channels for E-Z Data, Inc., a major provider of Contact Management and Practice Management solutions for Financial Services professionals. Gary holds a B.A. in History from Columbia College, Columbia University and MBA degrees from the Columbia University Business School and the University of California at Berkeley, Haas Business School.

                                                                Michael Herman

                                                                Michael Herman

                                                                Chief Compliance Officer

                                                                mike.herman@unitedcp.com

                                                                949-999-8550 ext. 207

                                                                Mike Herman is the Chief Compliance Officer for United Capital Financial Advisers (UCFA) & PFE Advisors, Inc. (PFE). He has been in the financial services industry for more than 14 years and is responsible for overseeing day-to-day compliance, including Annual Review, Advertisement and Marketing reviews, SEC exam preparation, AML supervision, and Policy & Procedure Manual maintenance. Before joining UCFA and PFE, Mike was the Director of Sales Practice & Transition for The Financial Services Network, an Office of Supervisory Jurisdiction, consisting of a large producer group of broker/dealer registered representatives and investment adviser representatives where he helped establish an investment advisory firm registered with the SEC. Mike's other experiences include managing an Office of Supervisory Jurisdiction for Citigroup and serving as a Financial Adviser for Morgan Stanley Dean Witter and Gruntal & Co. Mike holds a B.A. in Psychology from the State University of New York at Albany; FINRA Series 3, 4, 7, 24, 31, 53 and 63 securities licenses; and the NASAA Series 65 Uniform Investment Adviser Law Exam.

                                                                  The goal of our integrated, comprehensive approach is to help ensure every retirement plan project results in success.