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.

          Wayne Boenig

          Wayne Boenig, CFA®, CFP®, AIF®

          Chief Investment Consultant

          wayne.boenig@pfegroup.com

          508-683-1400 ext. 216

          Wayne Boenig is the Chief Investment Consultant for PFE Advisors, Inc. d/b/a The PFE Group. He has been in the investment management and consulting field since 1988. Before joining PFE in 2002, Wayne spent five years as Director of Quantitative Analytics at Loomis, Sayles & Co., L.P., a Boston-based investment management firm, where he also served as client liaison in the firm's Consultant Relations Department. Prior experience includes nine years as Director of Manager Research for LPL Financial Services and as Senior Investment Management Analyst for The Smith Barney Consulting Group. He has performed extensive research in the areas of investment performance attribution, risk management, and asset allocation modeling. Wayne was also a faculty member of the Boston University Program for Financial Planners from 2004 to 2008.

          Wayne holds a B.S. in Business Administration and Economics from the University Of Delaware; is a Chartered Financial Analyst (CFA®) charterholder, Certified Financial Planner™ professional (CFP® ), Accredited Investment Fiduciary (AIF®) and is a member of the Association for Investment Management and Research and the Boston Security Analysts Society.

            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.

            Don Powers

            Don Powers, APA

            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 15 years of retirement plan consulting experience. Don consults with  clients on all aspects of qualified and non-qualified 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.

            Don holds a B.A. in Finance from Bentley University and earned his Accredited Pension Administrator (APA) designation from the National Institute of Pension Administrators (NIPA).

              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®).

                SCOTT TUXBURY

                Scott Tuxbury

                Senior Retirement Plan Consultant

                scott.tuxbury@pfegroup.com

                508-683-1400 ext. 217

                Scott Tuxbury is a Senior Retirement Plan Consultant in the Southborough, MA office of PFE Advisors, Inc. d/b/a The PFE Group. For over 20 years, Scott has worked to help plan sponsors navigate the ever-changing world of ERISA and takes great pride in helping employers maximize the efficiency of their retirement programs. His past experience as former president of a regional Registered Investment Adviser and in executive positions within the record keeping units of Fidelity Investments and Franklin Templeton affords PFE clients a unique perspective on strategies for success. Scott is a strategic thinker who is responsible for The PFE Group’s branding and dissemination of our thought leadership throughout the retirement industry.

                Scott is an active member of the New England Employee Benefits Council and enjoys supporting its overall mission by participating in their Strategic Retirement Committee and Scholarship Committee. Scott is on the panel of advisors for Dean College and is a member of the Society of Human Resource Management. He has been a PAN member of The Boston Foundation and board member of the Franklin Children’s School. He attended the University of Rhode Island and studied at the Università degli Studi di Firenze in Florence Italy. He wishes he could still speak fluent Italian but after years of neglecting it, he’s left to just sounding impressive while ordering at Italian restaurants.

                  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 15 years of experience in the financial services industry. Kathleen currently manages the logistics for nationwide client workshops. Her prior experience with PFE includes developing customized financial education materials, 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.

                    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 Presenter is not an employee of the PFE Group.

                      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.

                        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.

                        Robert W. Canfield

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

                        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).

                          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 and earned her Qualified 401(k) Administrator (QKA) designation from the American Society of Pension Professionals & Actuaries (ASPPA).

                            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 Presenter is not an employee of the PFE Group. Daniel J. Galli and Associates and the PFE Group are separate and unrelated companies.

                              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.

                                Cameron F. Hutt

                                Cameron F. Hutt, M.B.A.

                                Senior Consultant, Communications & Education Services

                                cameron.hutt@pfegroup.com

                                508-683-1400 ext. 218

                                Cameron Hutt is a Senior Consultant, Communications & Education Services for The PFE Group with over 20 years of experience in the development and delivery of employee benefits communications. Cam delivers highly accessible communications including booklets, brochures, web content, targeted mailings, regulatory collateral, workshops and knowledgebase content that bring compelling benefits messages to diverse audiences. He is equally comfortable developing collateral to meet the needs of health & welfare initiatives as well as retirement programs, including defined benefit, defined contribution and non-qualified plans.

                                Prior to joining The PFE Group, Cam held consulting and management positions at MassMutual Financial Group, Fidelity Investments and Towers Perrin. Cam holds a B.S. in Business Communications from Bentley University and an M.B.A. with concentration in investment finance from Babson College.

                                  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 Presenter is not an employee of the PFE Group. Commonwealth Financial Network and the PFE Group are separate and unrelated companies.

                                    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.

                                    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.

                                      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.

                                        Spencer McLeod

                                        Spencer McLeod

                                        Investment Analyst

                                        spencer.mcleod@pfegroup.com

                                        508-683-1400 ext. 220

                                        Spencer McLeod is an Investment Analyst for PFE Advisors, Inc. d/b/a The PFE Group. Spencer joined the Investment Operations team in October of 2015. He is responsible for creating quarterly client reports, performing investment manager research, 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.

                                          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.

                                            Carlos Ortiz

                                            Carlos Ortiz

                                            Investment Analyst

                                            carlos.ortiz@pfegroup.com

                                            508-683-1400 ext. 219

                                            Carlos Ortiz is an Investment Analyst for PFE Advisors, Inc. d/b/a The PFE Group. Carlos joined the Investment Operations team in 2014. He is responsible for creating quarterly client reports, performing investment manager research, and managing PFE's investment manager database. Carlos supports PFE's Senior Investment Consultants by performing a variety of analytical tasks associated with PFE's Client Reporting process. Carlos holds a B.S. in Finance from Nichols College.

                                              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 Presenter is not an employee of the PFE Group. Beyond Your Hammock and the PFE Group are separate and unrelated companies.
                                              ** Awards not indicative of investment performance.

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

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

                                                Jake Vogelsang

                                                Jake Vogelsang, CIMA®, CPFA®, AIF®

                                                Retirement Plan Consultant

                                                jake.vogelsang@pfegroup.com

                                                443-798-7490

                                                Jake Vogelsang is a Retirement Plan 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 earned the Certified Investment Management Analyst (CIMA®) designation from the Investment Management Consultants Association (IMCA), and is a Certified Plan Fiduciary Analyst (CPFA®) and an Accredited Investment Fiduciary (AIF®).

                                                  BETH UNDERHILL

                                                  BETH UNDERHILL

                                                  Independent Project Manager

                                                  Beth Underhill is an independent Project Manager working with The PFE Group* with over 20 years of experience in benefits administration, employee communications and financial counseling. As Project Manager, she assists with the design and development of financial education workshops on a variety of topics such as basic money management, post-employment healthcare, retirement planning, education funding and estate planning.
                                                  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 Project Manager is not an employee of the PFE Group.

                                                    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).

                                                      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 Presenter is not an employee of the PFE Group. Fuller Book Financial, LLC and the PFE Group are separate and unrelated companies.

                                                        ERIC WHITE

                                                        ERIC WHITE

                                                        Investment Analyst

                                                        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.

                                                          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 Presenter is not an employee of the PFE Group.

                                                            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.

                                                            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.