PENTEGRA'S SENIOR LEADERSHIP TEAM
PENTEGRA'S SENIOR LEADERSHIP TEAM
Pentegra Retirement Services is led by a team of seasoned retirement plan professionals who are dedicated to serving the retirement plan needs of plan sponsors and participants in organizations nationwide.
Robert Albanese brings to Pentegra an understanding of the organization's mission combined with an intimate knowledge of the financial services industry. Prior to becoming CEO, he served on Pentegra's Board of Directors for over ten years. Before joining Pentegra, Mr. Albanese was the Director of the Office of Thrift Supervision's Northeast Region, and had regulatory oversight responsibility for financial institutions with assets of over $400 billion and holding companies with assets of over $2 trillion. Mr. Albanese began his career in 1971 in a management development program of the First Boston Corporation, a then-prominent Wall Street investment banking firm. In the mid-1970's, he accepted a position with the Federal Home Loan Bank of New York, where he eventually rose to Senior Vice President and Director of Examinations. With the passage of the Financial Institutions Reform, Recovery and Enforcement Act of 1989, Mr. Albanese was transferred to the newly created Office of Thrift Supervision, an agency created in the Department of Treasury. He became Regional Director in August 1996, where he was responsible for all supervisory activities of OTS-regulated institutions in the twelve states then constituting the Northeast Region. As a former regulator, he is especially cognizant of best practices in safeguarding the interests of the plans we manage, which is a cornerstone of Pentegra's added value to its clients. Mr. Albanese holds a Bachelor of Science degree in Economics from the University of Dayton, and an MBA degree from Fairleigh Dickinson University. He is also a graduate of the U. S. Treasury's Executive Leadership Institute in Charlottesville, Virginia.
John Pinto is responsible for overseeing Pentegra's defined contribution operations, defined benefit operations, and information technology and finance areas. With 25 years of experience in the financial services industry, John has spent much of his career developing strategic planning solutions. Since joining Pentegra in 1991, John's creative talent and energy have been the driving force in continually expanding and improving our product line. John holds an M.B.A. in Finance from Sacred Heart University, and a B.S. in Accounting and Business Administration from Kings College.
Robert Alin is responsible for overseeing Pentegra's legal, compliance and governance areas. He joined Pentegra in 1986 and is our chief legal officer. Robert and his team consult with clients regularly with regard to ERISA issues, IRS, DOL and PBGC regulations and their impact on plan design and qualification, as well as plan compliance. Robert has been involved in every aspect of the business of Pentegra, and was instrumental in procuring a change to Section 413(c) of the Internal Revenue Code which was necessary to treat clients equitably and foster client retention, as well as the oversight of Pentegra Services, Inc. and obtaining a prohibited transaction exemption in connection therewith which have been integral to the growth of the business. Robert has over 30 years experience in all facets of retirement benefits, and has counseled clients on qualified and nonqualified retirement plans, welfare benefit plans, and compensation arrangements. Prior to joining Pentegra in 1986, Robert was in private practice specializing in all facets of employee benefits and tax law. Robert also served as a professor in employee benefits at the Adelphi University Lawyer's Assistant Program and has been a frequent lecturer in the field of employee benefits. He holds a J.D. and LL.M. in Taxation from New York University School of Law and a B.A. with distinction from the University of Rochester.
Cherie Beirau is Regional Senior Vice President of Pentegra's Third Party Administrator (TPA) Services, overseeing Pentegra's operations. As head of TPA Operations, Cherie is responsible for the delivery of Pentegra's TPA products and services and operations at Pentegra's regional locations in the Midwest and Southeast. As a key member of the senior management team, Cherie works closely with our product development area to spearhead initiatives to continually improve Pentegra's TPA product and service platforms.
Cherie has more than 25 years experience in the retirement services industry, with a focus on retirement plan recordkeeping and administration. Prior to joining Pentegra through its acquisition of Advanced Pension Solutions (APS) in January, 2013, Cherie served as the APS organization's President. She has been a pension consultant in the Columbus, Ohio area for the last 20 years, and specializes in plan design and consulting for qualified retirement plans including 401(k), 403(b) ERISA & Non-ERISA, 401(a) and Defined Benefit Plans.
Cherie began her career in Accounting, working as a Staff Accountant and Controller for several organizations prior to her entry into the area of retirement plan administration. She brings to Pentegra extensive experience not only in plan design, but in all areas of plan administration. Cherie is also a leading industry expert on 403(b) Plans and in recent years has advised non-profit companies on how to bring their plans into compliance.
Cherie holds a bachelor's degree in Accounting from Franklin University. She is the President of the local ASPPA Benefits Council of Central Ohio, and is also a board member of the ASPPA Women's Conference.
Jeff Kissel is responsible for overseeing Pentegra's actuarial services area, where actuarial liabilities and funding levels are determined for each of Pentegra's pension clients and retirement benefits are paid out to more than 10,000 retirees. With over 25 years of actuarial consulting expertise, Jeff and his team extend their focus beyond number crunching to offer valuable insights into your plan-participant characteristics, assets and liabilities, cost and benefit objectives - and how those variables affect both your bottom line and your organization's human resource goals. Jeff joined the organization in 2005. He is an author and speaker on retirement benefit and pension issues. Jeff is a graduate of Binghamton University with a B.A. in Mathematics and a B.S. in Accounting. He is also a Fellow of the Society of Actuaries and an Enrolled Actuary.
As Pentegra's Chief Operations Officer, Michael Palmiere oversees Pentegra's Actuarial Services, Defined Contribution Services, Information Technology, Trust Services, and TPA Operations areas.
As Chief Operations Officer, Michael is responsible for driving the execution of Pentegra's strategic initiatives and organizational goals. He and his team develop, design and continuously improve the systems and processes that deliver Pentegra's products and services. A strategic thinker, he is exceptional in his ability to not only envision what needs to happen but also execute the details.
Michael brings more than 25 years of retirement plan operations and expertise to his role. A high energy, high impact professional, his deep knowledge of retirement plan operations management and business models are a tremendous asset to our organization as we continue to advance our operations in response to changing industry dynamics.
Prior to joining Pentegra, he built an extensive operations management background, having held senior level positions at Morgan Stanley Smith Barney, Merrill Lynch, and several large public accounting firms. In 2011, his team was awarded the prestigious MSSB Global Operations Excellence Award.
A graduate of Manhattan College, Michael holds a Bachelor of Arts degree in English. He also maintains FINRA Series 7, Series 66 and Series 24 registrations.
Rich oversees Pentegra's Consulting, Product Development, Client Transition and Marketing practice groups. Rich joined the organization in 1997 and has more than 25 years of experience in the retirement benefits field.
His extensive knowledge of the retirement plan industry includes a unique mix of small company and Fortune 500 level consulting work, as well as strategic product development. His knowledge of the retirement plan marketplace, and insights in beneit plan design and customer needs have been instrumental in not only expanding Pentegra's product lineup and customer base, but in helping clients nationwide design effective benefits and compensation strategies. He is a frequent speaker on retirement benefit topics.
Rich is a Certified Pension Consultant (CPC), a Qualified Pension Administrator (QPA), a Qualified 401(k) Administrator (QKA) and a member of the American Society of Pension Professionals and Actuaries (ASPPA). He holds an M.B.A. in Finance from Fairleigh Dickinson University and a B.A. in Economics and Business Administration from Ursinus College.
Scott serves as the Chief Investment Officer at Pentegra Retirement Services, where his duties include the management and oversight of the investment processes governing approximately $7 Billion in assets comprised of both public and private holdings of fixed income, equity, real estate and hedge fund investments.
Scott previously worked at Reinsurance Group of America (RGA) and served in a number of roles beginning in 2003 as Senior Portfolio Manager. He was soon after named Head of Fixed Income Investments, and led the company's effort to create its own trading operation and in-source U.S. fixed income investment management. He later served as VP and Director of Investment Strategy and Credit research, where he managed the company's credit, structured asset, and real estate research associates through the credit downturn between 2007 and 2009. By 2010, Scott held primary responsibility for management of the company's non-traditional investment vehicles, including Private Equity partnerships, Mezzanine Debt funds, Commercial Real Estate holdings, and Distressed Securities markets.
Prior to joining RGA, Scott spent 17 years with the Kansas City Life Insurance Company, ultimately as the senior officer in that firm's Investment Division with primary responsibility for that company's Asset-Liability Management program. During his tenure in Kansas City, he and his staff managed the securities investments for the firm's insurance general account, corporate pension fund, bank subsidiary and a related charitable foundation.
Scott is a Chartered Financial Analyst and a Fellow of the Life Management Institute. He received his B.S. and M.B.A. degrees from the University of Kansas. He was active for many years as an adult leader in the Boy Scouts of America and fundraiser for the American Heart Association.
As Senior Vice President, National Sales, Pete oversees Pentegra's sales and business development efforts. With extensive experience in all facets of the business, Pete plays a key role in helping to expand Pentegra's presence across all of the markets we serve.
He brings more than 15 years of industry expertise to Pentegra-with a background that not only includes in-depth knowledge of retirement plan operations and business models, but also vast expertise working with financial advisors to build successful retirement practices.
Well-known nationally as one of the industry's top retirement plan experts, Pete is respected speaker and thought leader within the retirement community. He is the author of 401(k) Fiduciary Governance: An Advisor's Guide, the textbook for ASPPA's Qualified Plan Financial Consultant credential (QPFC). Through his ERISA Boot Camp Workshop Series, he has helped advisors throughout the United States build successful pension practices based on a transparent fiduciary service model. As the author of more than 20 articles and white papers, his work has appeared in Financial Planning Magazine, the Journal of Financial Planning, The ASPPA Journal, Employee Benefits News, ABA Trust & Investments and numerous periodicals and trade papers.
As a passionate advocate for the private pension system and national retirement income security, he is actively involved with the National Association of Plan Advisors (NAPA), ASPPA, and ASPPA's Political Action Committee. He is the Chair of the NAPA Government Affairs Committee.
Pete is a Certified Pension Consultant (CPC), a Certified Financial Planner (CFP) and a Tax-Exempt & Governmental Plan Consultant (TGPC). He is a graduate of the University of Virginia, where he was selected for the prestigious Echols Scholar Program. He accepted a commission in the U.S. Marine Corps and served in the first Gulf War as Executive Officer of an infantry company, and left the Marines as a Captain in 1993.
Charles W. Coldwell, Jr. "Chuck" is Vice President, Consulting Services, and oversees Pentegra's retirement plan consulting group, the high level relationship management team for Pentegra's national client base.
As a key member of Pentegra's management team, Chuck works with his team to develop strategic initiatives designed to enrich the client and participant experience.
Chuck brings more than thirty years of extensive retirement plan consulting experience to his role. He has worked with clients nationwide in developing, designing and managing qualified and non-qualified retirement programs, with a focus on best practices for retirement plans. He has played a leading role in working with many of our highest profile clients, and brings a unique combination of vision, client focus and passion for customers.
Chuck began his career with Pentegra in 1978. He left the organization in 2002 when he joined Glenn G. Geiger Company to focus his efforts on executive and director benefit programs. He rejoined Pentegra in 2011 as a senior member of the Consulting Services team. He has been instrumental in expanding the consulting team's depth and breadth of experience, and has played a central leadership role in broadening the organization's client initiatives.
A graduate of St. Lawrence University in Canton, NY, he holds a Bachelor of Arts degree in Economics and Psychology. He also maintains FINRA Series 6 and 63 registrations along with life, health and disability insurance licenses in eight states.
Beth is Vice President of Pentegra's Defined Contribution Operations area, overseeing the retirement plan solutions and customized services Pentegra provides to plan sponsors, participants, advisors and intermediaries. As head of Defined Contribution Operations, Beth is responsible for the product and service delivery of Pentegra's defined contribution programs. As a key member of the management team, Beth works closely with our product development area to spearhead initiatives to improve Pentegra's product and service platforms.
Beth has more than 25 years experience in the retirement services industry, with focus areas in retirement plan recordkeeping and administration. Prior to joining Pentegra in 2006 she was with Madison Pension Services, responsible for the management and administration of key defined contribution plan accounts. Beth began her career in the retirement plan servicing industry with Frank B. Hall, where she held management positions in client and participant services.
Beth holds a bachelor's degree in Biology from Colgate University.
Kevin Killian is National Sales Director, BOLI and Non-Qualified Benefit Plans. Kevin brings more than 30 years of industry expertise to Pentegra with a background that not only includes in-depth knowledge of the banking community, but also the executive compensation arena.
Prior to joining Pentegra, Kevin spent nine years as a Partner at BFS Group in Princeton, NJ, a firm specializing in supplemental benefits for top executives and directors and bank owned life insurance (BOLI).
He began his career in the banking industry. For over 20 years he was a banker in New Jersey and held various management positions with several institutions as CFO and/or President.
Kevin is instrumental in developing and marketing Pentegra's Benefits Financing Advantage program, a unique approach to the acquisition and management of bank owned life insurance for community-based financial institutions. His expertise is integral in working with our clients to design customized strategies for benefit enhancement financed through BOLI programs that not only help to offset the cost of employee benefit programs, but also improve the bank's bottom line.
Kevin holds a Bachelor of Science in Accounting from Clarkson University and an MBA in Finance from Iona College.
Joe Komosinski is Vice President, Information Technology, responsible for managing Pentegra's information technology group. As a technical expert, his more than 25 years of experience have been spent in developing IT solutions for the retirement benefits industry. He joined Pentegra in 1995, and has been a driving force in the development of Pentegra's recordkeeping platforms and web interface. At Pentegra, his focus has been on the implementation of business and retirement administration systems which enhance administrative efficiencies and deliver a rich and rewarding experience to Pentegra's customers. Joe is a member of the Charles Schwab Retirement Technologies Advisory Board. He holds a B.S. in Mathematics with a concentration in Information Technology from Binghamton University.
William J. Pieper, Vice President, is the senior trust officer responsible for Pentegra Trust Company. He joined the organization in 2004, and has over 27 years of management experience in trust administration, investments, and operations. Mr. Pieper is also the President of Pentegra's broker dealer, Pentegra Distributors, Inc., having completed FINRA Series 24, 53, 7, 65, and 63 certifications. Before joining Pentegra, Mr. Pieper spent 19 years with People's United Bank in Bridgeport, Connecticut, where he was an integral part of establishing the trust and wealth management department in 1985. As Vice President of Fiduciary Services, he had overall responsibility for the trust administration of over $4 billion in assets for pension plans, foundation and endowment funds, institutional custody accounts, and high net-worth individuals. He is also a retired Lieutenant Colonel in the United States Army Reserve, having over 23 years of military service in various command and staff assignments.
Mr. Pieper is a graduate of the United States Military Academy, West Point, NY, where he received a Bachelor of Science degree, has an MA in Journalism with a concentration in Marketing and Public Relations from the University of South Carolina, and also has been awarded an MBA in Finance from Long Island University.
Stephen P. Pollak is Vice President, Legal, overseeing Pentegra's legal, compliance and governance area. As part of the legal team, Stephen consults with clients and advises staff with regard to ERISA issues, IRS, DOL and PBGC regulations and their impact on plan design and qualification, as well as plan compliance. Stephen also provides expertise in non-qualified defined compensation plans and oversees Pentegra's broker-dealer, investment adviser and insurance agency subsidiaries. Stephen has 40 years experience in all facets of retirement benefits and SEC securities laws dealing with mutual funds. He joined Pentegra in 2008 after 22 years as Executive Vice President, Counsel and Secretary at Retirement System Group Inc. He began his career in the tax division of the law department of Mutual Life Insurance Company of New York. In 1972, he joined Johnson & Higgins employee benefits department, where he worked 13 years and earned the titles of Vice President and senior benefits attorney. Before joining Retirement System Group in 1986, he spent a year in the tax department of the law firm Proskauer, Rose, Goetz and Mendelsohn, specializing in employee benefits. Stephen received a B.A. degree in Political Science from Queens College of the City University of New York and graduated with honors from Syracuse University College of Law. Stephen is a FINRA Registered Principal and Registered Representative and is a licensed New York life, accident, health and variable annuity insurance agent. He is a member of the New York State Bar.
John Schafer is Vice President, Sales, responsible for Pentegra's business development efforts nationwide. John joined the organization in 2001, and has since been instrumental in new product development efforts and the success of Pentegra's products and services with clients throughout the country. With more than 25 years of sales experience, John has developed a comprehensive understanding of various markets we serve and excelled in a range of selling environments. His communication skills and insight allow him effectively assess how Pentegra's capabilities will best suit customers' needs. He holds a Bachelor of Science degree from Purdue University and is a Certified Financial Planner.
As Pentegra's Chief Financial Officer, Charles oversees the Finance area, and is responsible for bringing vital financial controls to the organization. He plays an essential role in driving major strategic initiatives that impact Pentegra's future, and helps management make a tangible connection between the organization's operations and financial performance.
Beyond implementing and monitoring company controls and systems, Charles and his team handle significant quantitative and qualitative analysis, have responsibility for development of, and controlling spending against, the company's annual budget, interact with management throughout the organization to ensure that the business has strong support from the Finance function, and ensure that financial results are accurately reported.
Charles brings more than 20 years of financial, audit and process streamlining expertise to his role. A thoughtful and experienced professional, his deep knowledge of finance includes accounting, controls, reporting, planning and analysis, accounts payable and accounts receivable. Prior to joining Pentegra, he built an extensive background in Finance, having held senior positions at The Fram Group, Honeywell, Sara Lee, and Ernst & Young.
A graduate of Pace University, Charles holds both a BBA and an MBA in Public Accounting and is a CPA in New York State.
Mike Wood is Vice President, Actuarial and Technical Services, responsible for overseeing the area where actuarial liabilities, funding levels and contribution requirements are determined for Pentegra's pension clients. With over 20 years of actuarial expertise, Mike and his team help our defined benefit clients identify, quantify, and manage risk. He oversees the annual valuation process and works closely with his team to develop analyses that illustrate the effect of program changes, translating complex actuarial information into easy to understand terms to help our clients able to make informed decisions about their retirement programs. Mike joined the organization in 1992. He is a graduate of the State University of New York at Stony Brook with a B.S. in Applied Mathematics and Statistics and a B.S. in Economics. He is also an Associate of the Society of Actuaries and an Enrolled Actuary.
Colleen Zanicchi is Vice President, Human Resources, responsible for all aspects of Pentegra's human resources strategy along with office services administration. In this critical role, Colleen oversees the development and implementation of Pentegra's human resources policies, programs and services, including recruitment, selection, retention, legal compliance, compensation and benefits. Colleen and her team are a strategic asset to the organization, offering experienced, practical advice and support along with tactical problem solving, and serving as a major agent for innovation and progressive change in the areas of employee relations, employment practices and procedures, and organizational communications.
Colleen has over 25 years of experience in working in the retirement benefits industry, 15 of which has been with Pentegra. She holds a Bachelor of Business Administration degree from the State University of New York and Professional Designation (PHR Certification) from the Society for Human Resources Management.