change.challenge.

opportunity.

BPAS

2016 BPAS Partner Conference

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BPASBPASBP

We are privileged to have the support of these great companies for the 2016 BPAS Partner Conference. Please join us in thanking them for their generous sponsorships. What better way to show how, as a team, we are ready for the change, challenge, and opportunity ahead? Thank you.

GOLD SPONSORS

BRONZE SPONSORS

SILVER SPONSORS

STRONGER TOGETHER

American Century Investments Columbia Threadneedle InvestmentsEmerald Advisors Fidelity Franklin Templeton Goldman SachsGuggenheim Investments Ivy FundsJ.P. Morgan Harbor FundsManning & Napier PaylocityTCW

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CONFERENCE AGENDAMonday, June 6, 201612 pm to 1 pm Registration. Enter to win a NEW Apple Watch!

1 pm General Sessions

1 pm to 1:45 pm Update on BPAS as Your Retirement Plan Partner Barry Kublin, CEO, BPAS

1:45 pm to 2:40 pm Chasing Excellence—The Future of DC PlansGuest Speaker: Ken Haman, Managing Director of the AB InstituteToday, like never before, there are powerful forces impacting the DC industry. Politics, enforcement, business innovation and millions of retiring Baby Boomers are combining to create challenges—and opportunities—for retirement advisors. In this session, we explore the current state of the DC plan, make sense of how innovation and regulations work together to accelerate the evolution of the industry, and discover practical ways in which retirement advisors can take advantage of these interesting times to grow their DC plan businesses.

2:40 pm to 2:55 pm Break

2:55 pm to 3:50 pm Fiduciary BenchmarksGuest Speaker: Tom Kmak, Co-founder & CEO, Fiduciary BenchmarksThe Fiduciary Regulation emphasized the fact that fees must be reasonable. At the same time Labor Secretary Perez emphasized that reasonable fees does NOT mean low fees. In this session, we’ll discuss:

1. What are the ERISA basics of Fee Reasonableness2. What lessons can small plans learn from the lawsuits against big plans3. How some are trying to turn the Fee Reasonableness issue into a one variable issue when it is really a four variable equation4. The technology behind FBI’s brand new Fee-Value matrix which provides a level of business intelligence new to our industry5. The importance of training your clients correctly to stop this insipid and not helpful “race to the bottom”

The session is designed to be interactive and thought provoking to show how benchmarking can be properly used to protect your plan sponsors, improve outcomes for participants and highlight your value proposition (and the value proposition of your service provider partners).

3:50 pm to 4:45 pm Investment Panel Discussion: Managing Investment Return Experiences and ExpectationsModerator: Greg Woods, VP, BPAS Fiduciary Services and 3 Investment PanelistsEveryone’s been waiting years for rates to � nally move up. They haven’t moved yet and it may be a while before they do. With Baby Boomers retiring in droves, the demand for income generation is only increasing, with the 10-year yield being driven down. And, with the potential for the very short end of the curve to have market factors push it to 0% or even negative, where do you turn? Will the High-Yield space rebound or has that ship sailed? Does it mean a larger allocation to equities in retirement, or if that’s too risky where can you get any return for little risk? Is it time for advisors and plan sponsors to start managing return expectations? Perhaps the simplest solution is to save more NOW in your plan when you can a� ord the risk. Let’s hear what the experts think. Panelists:• Ralph Acampora, Director of Technical Analysis Studies, New York Institute of Finance• Michael T. DiMarsico, SVP, National Manager, Manager Resource Consulting, Federated Investors• Harry Rakovski, Director - RIA & Consultant Division Northeast, Prudential Investments Management, LLC

4:45 pm to 5 pm Break

5 pm to 5:55 pm Are MEP Changes Finally Coming?Guest Speaker: Brad Campbell, Counsel, Drinker Biddle & Reath, LLPA concerted e� ort in Washington to get more employers to o� er retirement plans has raised the pro� le of multiple employer plans. We discuss:

Current law issues facing MEPs: • Post DOL Advisory Opinion 2012-04A • Open MEPs • Bona � de trade association MEPs

States: • DOL IB 2015-02 opens door • Prospects for action

President Obama’s budget: • Potential DOL Regulation • Can regulation alone solve all the problems? • Prospects for action

Congress: • Bipartisan legislation • Key changes • Prospects for action

6 pm to 7 pm Cocktail Reception

7 pm7:30 pm to 7:45 pm7:45 pm to 8 pm8 pm to 8:15 pm

DinnerThe Value of Custom Target Date Funds. Tom Loncar, VP, Senior Retirement Consultant, OppenheimerFundsNext Generation Thinking: Engage, In� uence, Motivate Millennials. Patrick Delaney, DC Marketing Manager, T Rowe PriceThe People Practice. Kristopher Goeden, Associate Director, National Accounts, Principal Global Investors

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Tuesday, June 7, 20168 am to 9 am Breakfast9 am General Sessions9 am to 9:55 am Technical and Legal Update

Guest Speaker: Steve Saxon, Chair, Groom Law GroupGiven the large number of regulatory changes this year, we’ll highlight additional topics that are of interest to RIAs and corporate trustees.

9:55 am to 10:50 am Making Sense of Capital Preservation for De� ned Contribution PlansGuest Speaker: Erik Karpinski, CFA, CPA, Client Portfolio Manager, Goldman Sachs Asset ManagementAs the market contemplates the intersection of money-market reform, the lift-o� of interest rate policy, increased market volatility and the potential impact of an election year, we believe 2016 presents an opportune time for De� ned Contribution (DC) plan sponsors to re-evaluate their capital preservation options.

While both money market and stable value funds seek to provide daily liquidity, net asset value (NAV) stability, and regular income, stable value funds have provided an average annual excess return of approximately 200 basis points through a variety of di� erent market environments over the last 20+ years. Over that period, stable value has provided returns comparable to those of intermediate bond funds by bene� ting from the general positive slope of the yield curve, and through access to a broader set of securities o� ering more diversi� ed sources of yield than those available to money market funds, which are subject to signi� cant duration, credit quality and other constraints.

Despite its relative attractiveness, the evaluation of the stable value asset class has become more complex and requires a thoughtful and informed approach. Our discussion aims to de-mystify the evolving capital preservation landscape.

10:50 am to 11 am Break

11 am to 11:45 am Breakout Sessions

Room 1 Room 2 Room 3

Adding HSA to Your 401(k) Advisory Practice

David Ritchie, VP, Sales, BPAS VEBA & HRA/HSA Services and Ryan Tiernan, Senior HSA

Consultant, Access Point HSADuring this session, we show you how to increase revenue and to solidify your client relationships by adding a Health Savings Account (HSA) to your product o� ering. Learn about HSA rules, current market trends, and high demand for this popular tax-saving option. We’ll also show you how to pair an HSA with your 401(k) and really grow your business.

Cash Balance Plans

Ken Prell, VP, Chief Learning O� cer and Jason Disco, Senior Sales Consultant

BPAS Actuarial & Pension ServicesIn this session, we discuss reasons why Cash Balance Plans are gaining popularity and becoming more important to advisors. We share best practices for the sales process and show you how to identify quali� ed candidates. Learn about plan design issues, the regulatory environment and how to overcome other challenges surrounding Cash Balance Plans. Walk away from this session fully armed to succeed in the Cash Balance Plan market.

Panel: Structuring Fee for Service Strategies

Nick Petralia, External Wholesaler, BPAS Plan Administration & Recordkeeping Services

Simply providing excellent value and service is not always enough. In order to justify fees to plan sponsors and trustees, advisors must be able to e� ectively convey their value proposition in a competitive marketplace. Speci� cally, this session examines some of the fee benchmarking tools and online reporting available to help advisors communicate their fee structure and e� ectively manage and retain their retirement plan business. Comparing fees to a database of industry norms by selected plan size, geographic region, speci� c advisor business model and scope of service provided will also be discussed.

Panelists:• Andrew Dickens, Retirement Plan Consultant, Summit Wealth Partners• Lee Duckworth, President & CEO, Capital Wealth Management• Jay Edwards, Principal, GranitPath

11:50 am12:20 pm to 12:35 pm12:35 pm to 12:50 pm12:50 pm to 1:05 pm

LunchThe Next Big Thing: Retirement Readiness. John Doyle, SVP De� ned Contribution, American FundsTarget Date Funds The Way They Were Meant to Be. David. M. Haviland, Beaumont Capital ManagementRethinking Target Date Fund Design. Rick Studer, SVP, Head of RIA & Consultant Division, Prudential

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CONFERENCE AGENDA1:15 pm to 2:10 pm Cracking the Code on Financial Wellness: How to Use New Technology to Build Your Retirement Business

Guest Speaker: Mark Singer, CFP®, AIF®, AuthorMark Singer will share recent studies that expose the challenges with existing communications and current industry e� orts in educating the plan participant. He’ll show you how to turn them into opportunities. In this session, we explore how participants think about their futures and uncover their concerns about barriers to retirement success. Mark will also share new technology and easy-to-understand, actionable ideas to enhance your � rm’s sales e� orts.

2:10 pm to 3:05 pm Market InsightsGuest Speaker: Ralph Acampora, Director of Technical Analysis Studies, New York Institute of FinanceThe Secular Bull market lives on. Join us to � nd out what is keeping it going.

3:05 pm to 3:15 pm Break3:15 pm to 4:10 pm DB/DC Plan Design, Dealing with Required Reduction in Return, and Top Compliance Issues We See in DC Plans

Vincent F Spina, ASA, EA, MAAA, President, BPAS Actuarial & Pension Services, and Maryann Geary, CPC, ERPA, Executive Vice President, BPAS Plan Administration & Recordkeeping ServicesThe yield on 30-year and 10-year Treasury rates is currently less than 3% and 2%, respectively. What is really driving these rates? We look at how demographic changes over the next 15 years will:

1) Be a suppressor of interest rates 2) A� ect allocation of federal budget resources and public retirement systems 3) In� uence employer commitments to the retirement plans they sponsor, both de� ned bene� t and de� ned contribution plans

Explore the short- and long-term retirement challenges that sponsors and participants face resulting from a combination of demographic and interest-rate challenges that no one living today has ever faced.

4:15 pm to 6 pm Breakout Sessions

Room 1 Room 2 Room 34:15 pm to 5:00 pm Winning Plans through Value

Added Administration

Brian Douglas, External Wholesaler, BPAS Plan Administration & Recordkeeping Services;

Joe Boyle, External Wholesaler, BPAS Plan Administration & Recordkeeping Services; and Sean Arnold, Product Manager, BPAS

AutoRollovers & MyPlanLoan ServicesDoes the client really want to hire the low-cost service provider for their recordkeeping and administration service? The fee disclosure rules of 2012 created a much more competitive fee environment across all service providers. Learn how low-cost might mean extra work for you and your client’s HR department. Learn what value-add services BPAS o� ers and how they may help you grow a more pro� table retirement plan practice while increasing plan sponsor satisfaction.

Participant Advice OptionsSean Ruehl, President, RJ20, Inc.

Learn new ways to deliver participant advice with clients/prospects, and di� erentiate yourself from the competition. Hint: It’s not as easy as asking, “Do you want to add a participant advice solution to your plan?” That’s what your competitors are doing and consequently the advice solutions are as equally average and ine� ective. Learn how to e� ectively engage clients where they will describe where they are falling short and what they want their advice solution to be. Attend this session and arm yourself with another way to get in the door and more plans to your practice.

Panel: Conducting A Successful Enrollment

Meeting

Melissa Varvarezis, Communication/Education Specialist, BPAS Plan

Administration & Recordkeeping Services

From millennials to baby boomers, learn the tips and techniques for a successful enrollment meeting. Join us to share your own strategies and success stories and get a few new ideas for your next participant education meeting.

Panelists: • Clayton Collins, VP, DCIO Division, American Century Investments• Bruce Larson, VP & Retirement Plan Services O� cer, Asset Management• Tom Sutton, Senior Employee Bene� ts Trust O� cer, BPAS Fiduciary Services

Transform Your Website from a Pretty Face to a Lead-Generating MachineAvin Kline, President, Success Agency

“Hi. My Name’s John. Will You Marry Me?” We all know that, while this line may be e� cient, it’s not e� ective (and frankly it’s a little creepy). There’s a natural process to go from, “Nice to meet you,” to “I do.” Yet, many of us are marketing online in this same way. A little creepy and a lot ine� ective. We uncover the secrets to transform your website from an online brochure to a lead-generation machine. You’ll have a few “aha” moments, but you’ll also see that these “secrets” were always right in front of you. Now you’ll know what to do with them. Leave with a plan-of-attack to dramatically increase the number (and quality) of leads your website generates.

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Room 1 Room 2 Room 35:15 pm to 6 pm Managing Participants Beyond

Termination of Employment

Robert Malczyk, VP, Sales, BPAS Plan Administration & Recordkeeping Services

Join us for a discussion with � nancial representatives on options for leading up to and through retirement. We’ll cover complex questions such as IRA rollovers, keeping money in the plan, annuity options, lifetime withdrawals, ROTH withdrawals, age 70-1/2 considerations, and how they may apply to the new � duciary rules.

Panelists: • Carol Idone, VP, Client Relationship Management and Consulting, Healthcare Association of New York State (HANYS)• Jude McDonough, Retirement Plan Advisor, Community Bank Wealth Management

METs/MEPs

Brian Nicholson, Senior Sales Relationship Manager, BPAS Plan Administration &

Recordkeeping ServicesAs a spotlight continues to shine on retirement plan fees and improving retirement outcomes for all, there continues to be considerable discussion regarding Multiple Employer Plan arrangements. This session focuses its attention on understanding the di� erent types of Multiple Employer Plan and Trust arrangements, the pros and cons of each, and how you can integrate them into your Practice.

Panel: Dealing with Di� cult Clients

Krystal Kirlis-Brochu, Sales Relationship Manager, BPAS Plan Administration &

Recordkeeping ServicesClients are the lifeblood of our Retirement Plan business. Interacting and conducting business with di� cult people is just one of the many challenges we may face. This breakout session will discuss ways to navigate through di� cult situations to ensure clients remain happy with your services.

Panelists:• Rebecca Records, Director, Retirement Plan Services, Capital Wealth Management• Dirk Richardson, VP, Bank of NH Retirement Plan Division• Nicole O� erman, Wealth Management Specialist, Innovative Bene� t Planning

6 pm to 7 pm Cocktail Reception Followed by Dinners Hosted by our Fund Family Partners

Wednesday, June 8, 20168 am to 9 am Breakfast

9 am to 9:55 am BPAS Partner Best PracticesPaul Neveu, CEBS, President, BPAS Plan Administration & Recordkeeping ServicesDuring this session, we review various best practices we have seen among Trustee and Advisor partners of BPAS. This discussion includes techniques used in the sales and marketing side of the equation (e� ectively building their business), as well as client servicing and participant education. The session also includes some high-level statistics that will be helpful to partners as they interact with clients and prospects.

10 am to 10:45 am Breakout Sessions

Room 1 Room 2 Room 310 am to 10:45 am Adding HSA to Your 401(k)

Advisory Practice

David Ritchie, VP, Sales, BPAS VEBA & HRA/HSA Services and Ryan Tiernan, Senior HSA

Consultant, Access Point HSASee description on Page 5.

METs/MEPs

Brian Nicholson, Senior Sales Relationship Manager, BPAS Plan Administration &

Recordkeeping ServicesSee description above.

Strategies to Overcome Objections to Auto Plans

Elizabeth Kaido, Senior Sales Relationship Manager, BPAS Plan Administration &

Recordkeeping ServicesWhile automatic features in retirement plans continue to become the norm, some Sponsors in the small and mid markets are resistant over concerns of increased costs, fear of employee resistance and added administrative burdens. Learn the key strategies used to educate decision makers on the bene� ts of auto plans and dispel these apprehensions.

10:45 am to 11 am Break

11 am to 12 pm Advisor De� ned Session. Paul Neveu, President, BPAS Plan Administration & Recordkeeping Services featuring panelists: • Eric Drossner, Director of Retirement Services, The Haverford Trust Company • Mark Sulpizio, Partner, Innovative Investment Fiduciaries, LLC• Dan Chabbot, Sr., Partner, Clear Sailing Investment Group

12 pm Closing Remarks: Paul Neveu, CEBS, President, BPAS Plan Administration & Recordkeeping Services

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Joe Boyle, MSPA, External Wholesaler, BPAS Plan Administration & Recordkeeping ServicesJoe Boyle is an enrolled actuary with more than 25 years of experience in plan design and administration. He works with Bank Trust

departments and Registered Investment Advisors to help build their retirement plan business, including comprehensive support through prospecting, sales presentations, plan design consulting, analyzing plan features and fees, and implementation. Prior to joining BPAS in 2008, Joe was an enrolled actuary with Alliance Bene� t Group – Mid Atlantic which BPAS acquired. Earlier in his career, he was a partner and Chief Operating O� cer of National Retirement Planning, Inc., located in Jamison, PA.

Joe holds a Bachelor of Science degree in Mathematics from St. Joseph’s University and is a member of the American Society of Pension Actuaries.

Bradford Campbell, Counsel, Drinker, Biddle, & Reath, LLPBradford P. Campbell, counsel at Drinker Biddle & Reath, LLP, advises � nancial service providers and plan sponsors on ERISA Title I issues, including � duciary conduct and prohibited transactions. A nationally-recognized � gure in employer-

sponsored retirement plans, Brad is the former Assistant Secretary of Labor for Employee Bene� ts and head of the Employee Bene� ts Security Administration. As ERISA’s former “top cop” and primary federal regulator, he provides his clients with insight and knowledge across a broad range of ERISA-plan related issues. He also serves as an expert witness in ERISA litigation. Brad has been listed as one of the 100 Most In� uential Persons in De� ned Contribution by 401kWire and has been listed as one of the top 15 ERISA attorneys in the country by a poll of the National Association of Plan Advisors. In addition, he recently testi� ed before two Congressional Committees regarding the e� ects of the proposed Department of Labor � duciary regulation.

Brad received his law degree, cum laude, from the Georgetown University Law Center, and his AB from Harvard University. He is a member of the bar of the Commonwealth of Virginia and the District of Columbia.

SPEAKERS Ralph Acampora, Directorof Technical Analysis Studies, New York Institute of Finance Ralph Acampora has been a pioneer of technical analysis for more than 40 years. Before joining NYIF, he was Director of Technical Research at Knight Equity Markets. He also spent 15 years at

Prudential Equity Groups as Director of Technical Analysis. Prior to his employment at Prudential, Ralph worked at several of the industry’s top � rms, including Kidder Peabody & Co. and Smith Barney. He co-founded the Market Technicians Association (MTA) in 1970 and continues to be an active member of the society. He founded and was the � rst chairman of the International Federation of Technical Analysts (IFTA).

Ralph continues to participate in the education of technical analysts, serving as teacher and lecturer for the New York Institute of Finance (NYIF) for the past 37 years and the Securities Industry and Financial Market Association’s (SIFMA) Annual Securities Industry Institute (SII). He is a trustee on the Board of the SII and involved in the establishment of the Securities Traders Association University (STAU).

Ralph is one of Wall Street’s most respected technical analysts and has been consistently ranked by Institutional Investor. He is regularly consulted by the major business news networks as well as national � nancial publications. He is a Chartered Market Technician (CMT), a designation he helped create which is now recognized by the Financial Industry Regulatory Authority as the equivalent of a Chartered Financial Analyst (CFA).

Sean Arnold, QKA, CISPProduct Manager, BPASAutoRollovers & MyPlan LoanSean Arnold handles product development, implementation, and sales and marketing of BPAS AutoRollovers & MyPlanLoan services.

Sean holds the Certi� ed IRA Services Professional (CISP) designation from the Institute of Certi� ed Bankers and a Quali� ed 401(k) Administrator (QKA) from the American Society of Pension Actuaries (ASPA). He graduated cum laude with a Bachelor of Science degree in Business Administration from State University of New York Institute of Technology at Utica. Sean is an active member of the American Society of Pension Actuaries, where he previously served on the Tax-Exempt and Government Entities Government A� airs subcommittee.

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Jason Disco, Senior Sales Consultant, BPAS Actuarial & Pension ServicesJason Disco is a Senior Sales Consultant in BPAS Actuarial & Pension Services. In this role, Jason works with BPAS � nancial intermediary (FI) partners to distribute actuarial and consulting

services nationwide. With his extensive knowledge of De� ned Contribution and De� ned Bene� t plans he’s able to help FI partners build their retirement practice and consult on plan design. Prior to joining BPAS, Jason was a Retirement Services Sales Executive at Lifetime Bene� t Solutions and a Director of Business Development and Marketing at ERISA Consultants. In these roles, he worked directly with plan sponsors, accounting professionals and � nancial intermediaries to establish and convert new plans as well as develop and manage new distribution channels and sales leadership.

Jason attended St. John Fisher College in Rochester, NY where he earned a Bachelor of Science degree in Business Administration with a minor in Economics and Marketing.

Brian Douglas, AIF®, APA, PPC,External Wholesaler, BPAS Plan Administration & Recordkeeping ServicesBrian Douglas has spent the past 20 years consulting on De� ned Contribution, Cash

Balance, De� ned Bene� t and non-quali� ed retirement plans. Brian works closely with � nancial advisors on building successful and pro� table retirement plan practices and consults in the areas of � duciary services, plan design, investment analysis and more.

Prior to joining BPAS, Brian was a Retirement Sales Consultant at Commonwealth Financial Network, a Regional Pension Consultant with Retirement Alliance, Inc. and held various service roles with Putnam Investments.

Brian has a Bachelor of Science degree in Marketing from Plymouth State University. He also holds the Accredited Investment Fiduciary®, Professional Plan Consultant and Accredited Pension Administrator designations, and several FINRA registrations.

Maryann Geary, CPC, ERPA,Executive Vice PresidentBPAS Plan Administration & Recordkeeping ServicesMaryann Geary oversees BPAS operations including Plan Consulting, Plan Conversions, Plan Documents and Customer Service. Before

joining BPAS through an acquisition in 2008, Maryann was an owner of Alliance Bene� t Group Mid-Atlantic, in Huntingdon Valley, Pennsylvania. She served as Chief Operating O� cer, overseeing the consulting and operations departments, and provided employee training and technical consulting.

Maryann brings a strong understanding of technical requirements combined with a practical approach to plan administration. She holds several designations in the retirement � eld from the American Society of Pension Professionals and Actuaries, including Certi� ed Pension Consultant, Quali� ed Pension Administrator, Quali� ed 401(k) Administrator, Quali� ed Plan Financial Consultant, and Tax Exempt and Government Plans Consultant. She is also an Enrolled Retirement Plan Agent and is licensed to represent clients before the Internal Revenue Service. She holds a Bachelor of Arts degree in Education from LaSalle University.

Ken Haman, Managing Director,AB Advisor InstituteKen Haman is the Managing Director of the AB Advisor Institute. Ken joined AB in 2005 from a private consulting practice to the � nancial-services industry. In his current position, he develops and delivers consulting and training to

Financial Advisors and key leaders at AB’s partner � rms, speci� cally in the areas of strategic marketing, e� ective communication with clients, and practice-management strategies for advisors, advisory teams and managers.

Ken’s professional experience includes managing a practice in psychotherapy for 20 years in the Washington, DC, area and a consulting practice to large organizations, � nancial professionals and senior executives in the Mid-Atlantic States. He holds a Bachelor of Arts degree in business administration, graduate degrees in psychology and theology, and certi� cations in clinical hypnosis and neurolinguistics programming.

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Elizabeth (Liz) Kaido, QKA,Senior Sales Relationship Manager, BPAS Plan Administration & Recordkeeping ServicesLiz Kaido works with � nancial intermediary partners of BPAS to market combined services to plan sponsors while providing

comprehensive wholesaler support to manage each partner relationship. Her extensive knowledge of DC plans is instrumental in this role – both in managing partner relationships and helping plan sponsors optimize their plan around the needs of their organization.

Liz joined BPAS in 2008. Through progressively increased responsibility, she has gained vast experience managing a variety of De� ned Contribution plans including 401(k), 403(b), 1165(e), Prevailing Wage and Pro� t Sharing plans. She earned her B.S. in Business Management and graduated summa cum laude from the State University of New York. She also earned her Quali� ed 401(k) Administrator (QKA) designation from the American Society of Pension Professionals and Actuaries and is preparing for the Tax-Exempt & Governmental Plan Consultant designation.

Erik Karpinski, CFA, CPA, Client Portfolio Manager,Goldman Sachs Asset ManagementErik Karpinski is a Stable Value Client Portfolio Manager, responsible for developing and communicating overall portfolio strategy to help

clients meet their investment objectives and ensure their servicing needs are achieved.

Erik joined the Goldman Sachs Asset Management Stable Value team as part of the acquisition of Dwight Asset Management where he was a client portfolio manager from 2006-2012. Prior to 2006, Erik was a Senior Accountant with Gallagher Flynn & Company. Prior to that, he was a Vice President in the Prime Brokerage Client Services Group at Goldman Sachs and was a Senior Accountant with Ernst & Young. He is a member of the Vermont CFA Society.

Erik earned his Bachelor of Science degree from Binghamton University and has 18 years of industry experience.

Krystal Kirlis-Brochu, Sales Relationship Manager, BPAS Plan Administration & Recordkeeping ServicesKrystal Kirlis-Brochu, BPAS Sales Relationship Manager, works with � nancial intermediary

partners to help support and build their retirement plan business. Before joining BPAS in 2015, Krystal served as Relationship Manager for Alerus Retirement Solutions (formerly Retirement Alliance) in Manchester, NH. At Alerus, Krystal was responsible for managing relationships, providing participant education, performing � duciary services, and engaging in the sales and marketing process.

Krystal’s extensive background also includes serving Large Markets with ADP Retirement Services in Salem, NH. Prior to her employment with ADP, Krystal spent more than 10 years with Fidelity Investments in Merrimack, NH. Throughout her career, Krystal has developed expertise in a variety of plan types. Her experience ranges from serving and consulting with ‘small market’ manufacturing companies to Fortune 500 companies.

Krystal holds an Associate degree in Human Resource Management from Southern New Hampshire University. She is currently completing her Bachelor degree in Business Administration.

Avin Kline, President, Success AgencyAvin Kline is the co-founder and CEO of SUCCESS agency, a digital marketing agency focused on helping � nancial services companies increase their sales pipeline and close more deals through digital marketing.

A frequent keynote and workshop speaker, Avin provides insight and practical teaching on the topics of digital marketing, entrepreneurship, and developing a remote workforce. He also co-hosted Intentionally Digital, a radio show that aired in South Florida, teaching digital marketing strategies to business owners and marketing managers. When he’s not in West Palm Beach, FL, Avin is traveling the world with his wife, running their digital marketing agency from multiple continents without skipping a beat.

SPEAKERS

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opportunity.

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Robert Malczyk, Vice President Sales, BPAS Plan Administration & Recordkeeping ServicesBob Malczyk provides leadership and direction on sales projections, planning, recruiting, evaluations, internal training, and � nalist

presentations to prospective clients. As VP of Sales, he schedules, pro� les, and matches clients with the right sales relationship manager. He is also a trust o� cer for Community Bank, NA (CBNA), a BPAS a� liated company.

Prior to joining BPAS in 1996, Bob was the Managing General Agent for Sentry Life of New York. He brought to BPAS his more than 25 years of experience helping individuals and companies plan and implement ways to achieve their retirement goals.

Bob holds a Political Science degree from the State University of New York in Albany.

Paul Neveu, CEBS, President, BPAS Plan Administration& Recordkeeping ServicesPaul Neveu is President of BPAS Plan Administration & Recordkeeping Services. He is responsible for all BPAS De� ned Contribution and VEBA practices, including sales, marketing

and relationship management; daily administration, programming and trust operations; plan consulting, implementation and plan documents; and related services.

Paul came to BPAS August of 2005 from Federated Investors where he was a Vice President in the Retirement Plan Sales division. Paul served nine years as a mutual-fund wholesaler covering the North and East regions of the U.S. Before joining Federated in 1996, he spent four years as a Consultant for Coopers & Lybrand LLC.

A magna cum laude graduate from the University of New Hampshire with a Bachelor of Science degree in Business Administration, Paul also majored in Music Performance. He holds the Certi� ed Employee Bene� t Specialist (CEBS) designation from the International Foundation of Employee Bene� t Plans, and a certi� cate from the Securities Industry Institute o� ered at the Wharton School. He also holds the Series 7, 6 and 63 Designations.

Tom Kmak, CEO and Co-founder of Fiduciary Benchmarks (FBi)Tom Kmak provides benchmarking of fees and services for De� ned Contribution plans through advisors/consultants, recordkeepers and other plan service providers.

Prior to founding FBi in October 2007, Tom was CEO of JP Morgan Retirement Plan Services. He started that business in 1990. When he left 18 years later, it employed 1,100 people and served 200 large plan sponsors with more than 1.5 million participants and $115 billion in assets. Prior to joining JP Morgan Retirement Plan Services, Tom was an associate with William M. Mercer, Inc. in Kansas City where he was responsible for the overall delivery of de� ned contribution services to a wide variety of clients. He graduated Phi Beta Kappa with Bachelor of Arts degrees in Economics and Computational Mathematics from De Paul University in Greencastle, Indiana.

Named by Ingram’s magazine as one of Kansas City’s inaugural “Forty under Forty,” Tom is a recognized expert in the retirement services industry, has been a featured speaker at various conferences, and published articles in some of the most well-known periodicals in the industry.

Barry S. Kublin, CEO, BPASBarry Kublin is CEO of Bene� t Plans Administrative Services, Inc. (BPAS) and its family of services. Barry joined Community Bank System, Inc. (CBSI), parent company to BPAS in 1985. He arranged for the CBSI acquisition of BPAS, the

company’s De� ned Contribution administration subsidiary in 1996.

Prior to 1985, Barry held labor relations positions with Smith-Corona, Occidental Petroleum and the U.S. National Labor Relations Board. He is a frequent lecturer to trade groups on retirement plans for the construction industry and 1165(e) plans in Puerto Rico.

Barry holds a Bachelor of Science degree in Industrial Relations from Cornell University and an MBA from Syracuse University. In addition, Barry has been an adjunct faculty member with LeMoyne College and Cornell. He is a past chairman of the Business Leaders Group of the American Society of Pension Actuaries, and serves on numerous professional advisory committees. He is consistently listed among the Top 100 Most In� uential Professionals in the DC Industry by 401kWire.

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Kenneth M. Prell, CEBS, ERPA,Vice President, Chief Learning O� cer, BPAS Actuarial & Pension ServicesKen Prell is responsible for supporting special consulting projects, new business and new retirement plan development initiatives,

coordinating sta� learning and education, and overseeing regulatory compliance of client plans with respect to documentation and operation.

Ken has more than 30 years of diversi� ed employee bene� ts consulting experience. He specializes in the design and implementation of creative retirement plan solutions for companies of di� ering sizes and corporate structures employing De� ned Contribution ( 401(k), Pro� t Sharing, ESOP), De� ned Bene� t (traditional and cash balance), and non-quali� ed deferred compensation concepts, or combinations thereof, to enhance program value for business owners and key management personnel.

Ken graduated magna cum laude with a Bachelor of Science degree in Mathematics/Management from Le Moyne College in 1984. He attained the Certi� ed Employee Bene� t Specialist (CEBS) designation in January 1995 and is a member of the International Society of Certi� ed Employee Bene� t Specialists and the International Foundation of Employee Bene� t Plans.

David Ritchie, Vice President Sales, BPAS VEBA & HRA/HSA ServicesDavid Ritchie joined BPAS in 2013. He is responsible for sales leadership, product development and the creation of new distribution channels. David engages health

care consulting � rms and other advisors, Taft Hartley representatives, and public- and private-sector employers to create tax-free solutions to pre- and post-retirement health care expenses.

David is a national expert on VEBA/HRA issues. He brings to BPAS his more than 15 years of industry leadership, covering all aspects of employee bene� ts. In addition to VEBA/HRA services, David specializes in GASB 45/OPEB mitigation solutions, union negotiation and bargaining, consumer-driven healthcare options, and overall healthcare consulting.

Brian Nicholson, CRSP, Senior Sales Relationship Manager, BPAS Plan Administration & Recordkeeping ServicesBrian Nicholson works with BPAS � nancial intermediary partners, helping them build their retirement plan business. While Brian supports

all three BPAS sales channels, his experience and background warrant a particular focus on our Bank Trust and Registered Investment Advisors.

Prior to joining BPAS in 2013, Brian spent 14 years as a Senior Relationship Manager and Vice President of First-Citizens Bank & Trust located in Raleigh, North Carolina. Brian’s experience working with large, complex plans while serving as plan � duciary uniquely positions him to help Banks, Trustees, and Registered Investment Advisors build their retirement business with BPAS. He is also widely regarded for his understanding of � duciary matters and ERISA.

Brian earned a Bachelor of Science degree in Business Administration with a concentration in Managerial Finance from East Carolina University. He holds a Certi� ed Retirement Services Professional (CRSP) designation and maintains his 6, 63, and 65 securities licenses.

Nicholas Petralia, QPFC, AIF®,External Wholesaler, BPAS Plan Administration & Recordkeeping ServicesNick Petralia works with BPAS � nancial intermediary partners, in a variety of ways. Given

Nick’s experience and background as a retirement plan consultant and � nancial advisor, his primary focus is on the Registered Investment Advisor and Broker Dealer channels for BPAS.

Before joining BPAS in 2013, Nick served as a Senior Sales Consultant for the Retirement Services Division of Paychex, Inc. He worked with plan sponsors, accounting professionals, and � nancial intermediaries to secure new retirement plan accounts. Prior to joining Paychex in 2009, Nick was a � nancial advisor, both independently with LPL Financial, and with Morgan Stanley, where he held the Series 6, 7, 63, 65, 31 and insurance licenses.

Nick holds a Bachelor’s Degree in Communications from the University of South Florida. He also completed additional coursework for the Certi� ed Financial Planner professional designation at Merrimack College in North Andover, MA in 2008. He earned the AIF® Designation from the Center for Fiduciary Studies in January, 2014, as well as the QPFC credential through the National Association of Plan Advisors in December 2015.

SPEAKERS

change.challenge.

opportunity.

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Sean Ruehl, President, RJ20, Inc. Sean has been in the � nancial services industry since 1995. He started with First Union National Bank in Trust Sales, providing � duciary services to business owners and institutional accounts. Within 2 years, he was chosen to start a special-accounts division to retain and develop smaller trust accounts. In 2001, he went to BB&T to

start their wealth management o� ce in Durham. Sean quickly grew the new wealth o� ce into one of the most successful and pro� table locations in the entire franchise. He transitioned to the bank’s investment division to bring the sophisticated planning techniques from wealth management to bank clients. Sean rose to the top 10 of BB&T Investment Services advisors, when Wachovia recruited this team away in late 2007. Sean and the others created RJ20 in 2009 to take the wisdom and capability of the � duciary process and make it available to retirement plan participants. RJ20 has since become a trusted partner to banks, advisors, and wealth managers across the nation.

Steve Saxon, Chair, Groom Law GroupAt Groom Law Group, where he currently serves as the � rm’s Chairman, Stephen M. Saxon works on a wide variety of administrative, litigation, and legislative matters involving tax-exempt organizations and ERISA. He specializes in matters

relating to Title I of ERISA, with respect to which he has obtained scores of advisory opinions and exemptions.

Steve also represents tax-exempt clients in IRS audits and appeals procedures, as well as in restructuring non-pro� t organizations to address unrelated business income tax and other issues. In addition, he has worked on numerous DOL audits of plans and � nancial institutions that service plans. He heads up the � rm’s special practice groups on pension plan investments and on 401(k) plan administrative and investment management matters. Among other things, these groups focus on the ERISA, securities, banking, and tax issues that arise in connection with the o� ering of products to employee bene� t plans.

Mark Singer CFP, AIF®, AuthorMark Singer has 29 years in the � nancial advisory business. In the last 8 years, he has dedicated his expertise toward � nding innovative ways to enhance � nancial literacy within the corporate world. He developed and launched Financial Literacy Toolbox which o� ers a suite of unbiased, educational solutions for both plan sponsors

and plan participants. He is the author of three books, the most recent being “The New Financial Wellness – Changing the Conversation,” which is a ground-breaking book that provides solutions and insights from industry leaders. Mark is a frequent speaker, and has been featured in The Wall Street Journal, ABCNews.com, FoxNews.com and Bloomberg Radio, as well as locally (Boston) on NECN and WRKO. He is also a monthly contributor to Employee Bene� t Adviser and 401k Specialist.

Vince Spina, ASA, EA, MAA,President BPAS Actuarial & Pension Services, BPAS Healthcare Consulting Services Vince Spina is a founding o� cer of BPAS Actuarial & Pension Services and

BPAS Healthcare Consulting Services. Prior to starting BPAS Actuarial & Pension Services in 2003, he spent 15 years with PricewaterhouseCoopers LLP (PwC), 10 of which were as partner and Market Leader of PwC’s Global Human Resource Solutions’ Syracuse O� ce.

Vince is President of the Board for the Empire Housing and Development Corp.; member of the Human Resource and Bene� ts Committee of the Roman Catholic Diocese of Syracuse, NY; Trustee of Le Moyne College; past-Director, past‐Treasurer and Chair of the Investment Committee of the Upstate Medical University Foundation; former Director of the Arc of Onondaga Foundation; and a former Board member of the Syracuse Chapter of the New York Employee Bene� ts Conference (NYEBC). He has been a lecturer for the National Association of Accountants, the NYS Society of Certi� ed Public Accountants, the Syracuse Business Journal, and NYEBC.

Vince is a summa cum laude graduate of Le Moyne College with a Bachelor of Arts degree in Mathematics and minor concentrations in English and Philosophy. He is an Associate of the Society of Actuaries, a Member of the American Academy of Actuaries, and an Enrolled Actuary licensed to perform actuarial services under the Employee Retirement Income Security Act of 1974 (ERISA).

Ryan Tiernan, AIF®, CIMA, CHCC, CRPC, CRPS, Senior HSA ConsultantAccess Point HSARyan Tiernan founded Access Point, an HSA consulting and distribution company in 2015 having been a member of the retirement and investment community

for more than 15 years. His clients include retirement plan providers, asset managers, � nancial advisers and bene� t brokers, employers, and employees. He has also worked with the New England Employee Bene� t Council, the International Employee Bene� ts Foundation, The Retirement Advisory Council and has been quoted in numerous publications including U.S. News and World Report.

Ryan has attained the Accredited Investment Fiduciary (AIF), Certi� ed Investment Management Analyst (CIMA), Certi� ed in Healthcare Consumerism (CHCC), Chartered Retirement Planning Counselor (CRPC) and Chartered Retirement Plan Specialist (CRPS) designations. He is a FINRA Series 7, 55, 63, and 66 registration holder.

Ryan earned a B.S. with honors from the School of Public Health at the University of Massachusetts at Amherst. He is also a member of the Investment Management Consulting Association and The Society of Human Resource Management.

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Melissa Varvarezis, CFP, Communication/Education Specialist, BPAS Fiduciary ServicesAs a Communication/Education Specialist, Melissa Varvarezis is responsible for administering education and enrollment programs for BPAS clients. She provides

live participant education and enrollment meetings, one-on-one consultations and web-based trainings.

Melissa has more than 15 years of experience in the Financial Services industry with a primary focus in the De� ned Contribution marketplace. With previous positions at Vanguard, PNC Institutional Investments, and a small � nancial planning � rm, she has experience with customer service, sales support, plan administration and compliance. Incorporating an education degree with more than six years in De� ned Contribution training, she is focused on ensuring that plan participants can easily comprehend and apply various investment concepts to their own situations.

Melissa graduated from Penn State University and holds a certi� ed Financial Planner (CFP®) designation.

Greg Woods, Vice President, BPAS Fiduciary Services Greg Woods has nearly 20 years of experience in investment management and the � nancial services industry. He joined BPAS in 2011. His responsibilities include investment and performance evaluation, manager due diligence,

portfolio and investment management. He also is a key member of several internal and national investment committees and helps oversee the investments and compliance of the � rm’s Collective Investment Trusts.

As part of BPAS Fiduciary Services, Greg provides an array of � duciary and investment services to assist � nancial intermediaries and plan sponsors. These services include creating Investment Policy Statements, monitoring the performance of funds versus the IPS, making fund recommendations (additions, deletions and replacements), and a range of other � duciary services to assist BPAS clients. Greg also manages and maintains all the � rm’s 3(38) investment menus and models.

Prior to joining BPAS, Greg was the Vice President, Portfolio Manager and Chief Compliance O� cer for Lightstone Capital Advisers, where he managed multiple retail and institutional investment products.

Greg graduated from Fordham University’s Gabelli School of Business (formerly College of Business Administration) where he earned a Bachelor of Science degree in Finance and also Economics. He holds the Series 65 license.

SPEAKERS

change.challenge.

opportunity.

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GOLD SPONSOR SPEAKERS John Doyle, SVP for DC, Retirement Strategy Group,American FundsThe Next Big Thing: Retirement Readiness. Millions of Americans are woefully unprepared for retirement. This presentation explores why retirement readiness matters; how an advisor can help workers invest more of what they earn; and how people can diversify their investments.

John Doyle has 28 years of investment industry experience and joined American Funds, part of Capital Group, in 2013. Prior to joining Capital, John was executive vice president and chief marketing o� cer for Hartford Investment Management Company. Before that, he worked as head of marketing and product at T. Rowe Price Retirement Plan Services and as a vice president of marketing at Fidelity Investments. John is a frequent speaker on issues and topics important to the success of the DC retirement system. He holds an MBA from the F.W. Olin Graduate School of Business at Babson College and a bachelor’s degree in economics from Georgetown University. John is based in New York.

David Haviland, Portfolio Manager, Managing PartnerBeaumont Capital ManagementTarget Date Funds The Way They Were Meant to Be. What is the DOL saying about TDFs that you need to know now? What are the issues the DOL wants “� xed” with “TDFs?” And, how can you di� erentiate yourself from the competition?

Dave has worked in the � nancial industry since 1986. He began his business career at the CIGNA Corporation and worked for several � nancial planning and advisory � rms as an Investment Advisor. In 1993, Dave joined his father at H & Co. Financial Services, Inc. and in October 2000, under his management, Dave merged H & Co. into Beaumont Financial Partners (BFP). In 2009, Dave created the Exchanged-Traded Fund (ETF) management division, Beaumont Capital Management. Dave is a long-time member of the Financial Planning Associate and the International Association of Financial Planners. His advisory background has provided Dave with a unique perspective in managing the BCM Strategies. He is a graduate of Deer� eld Academy and an honors graduate of the University of Vermont.

Tom Loncar, VP, Senior Retirement ConsultantOppenheimer Funds, Inc.The Value of Custom Target Date Funds. This seminar examines the varieties of Target Date Funds (TDFs) highlighting the bene� ts and challenges. It explores � duciary considerations of custom TDFs with emphasis on the DOL’s 2013 tips for � duciaries. Learn how to help plan sponsors review TDFs and determine if custom TDFs might be a better � t for their plans and how to e� ciently implement them.

Tom Loncar is a Senior Retirement Consultant with 21 years of retirement market experience. He leads the � rm’s DCIO e� orts for the New Jersey, Eastern Pennsylvania, and Delaware regions. Prior to joining OppenheimerFunds in 2000, Tom held positions with Bankers Trust, MetLife, and Alliance Capital. He is a graduate of Montclair State University and is Series 7 and 63 licensed. He is also a Chartered Retirement Plan Specialist and an Accredited Investment Fiduciary.

Patrick Delaney, VP, T Rowe Price Investment Services, Inc.Next Generation Thinking: Engage, In� uence, and Motivate Millennials. For the past 30 years, attitudes and behaviors of baby boomers have shaped the services and innovations in DC plans. The time has come to broaden that perspective and consider how these plans are serving younger investors. Millennials behave, save, and invest in vastly di� erent ways than their baby boomer predecessors. It’s going to require a change in your strategy and tactics to successfully engage them. For millennials and future generations, DC plans will serve as the primary retirement savings vehicle; DC assets will be their primary source of retirement income. Advisors owe it to their clients to optimize plan design, investment menus, and retirement readiness of their employees. Sponsors and participants are depending on you more than ever before.

Patrick Delaney joined T. Rowe Price in 2000, and spent 10 years on the full-service side of the business, creating strategic marketing and communications campaigns for national de� ned contribution clients. In 2010, he joined the Marketing Department of United States Investment Services, where he now serves as the Senior Manager of DCIO Marketing. In his current role, he drives marketing strategy, delivers impactful keynote presentations, and provides de� ned contribution subject matter expertise to recordkeepers, consultants, advisors, TPAs, and plan sponsors. He earned a B.A. in economics from Gettysburg College and is a Series 6, 7, and 63 registered representative.

Kristopher Goeden, Associate Director, National Accounts, Principal Global InvestorsThe People Practice. Our selection of “The People Practice” our newest value add program developed with Ann Schleck & Co. is meant to help retirement practice owners and senior executives in their e� orts to grow their retirement practices successfully. Our presentation discusses critical elements of running a successful business in the areas of structure, personnel, compensation and recruiting/retaining.

Kristopher Goeden is primarily responsible for managing the relationships with retirement plan platforms and advisor/consultant � rms within the US. Kristopher has been with Principal since July of 2007 and has more than 10 years experience in the � nancial services industry. Over his career he has held positions in on Principal’s Trade Desk, Investment Operations, and Internal Key Account teams where he focused on developing deeper relationships with Principal’s investment distribution partners and their retirement plan clients. Kristopher holds a Bachelors degree in � nance from Iowa State University and has his Series 7, 66, 4 & 24.

Rick Studer, SVP, Head of RIA & Consultant Division, Prudential InvestmentsRethinking Target Date Fund (TDF) Design. Studies show that most employees fall short in saving for retirement. Features like auto-enrollment and auto-escalation have been implemented in many DC plans to help combat participant inertia. TDFs have become increasingly popular as a quali� ed default investment alternative (QDIA) due to their design and ease of use. It’s important for sponsors and other plan � duciaries to recognize that, despite their automatic features, TDFs are not all created equal. We’ve conducted signi� cant research on the retirement risks that Americans face and how TDFs can help mitigate those risks. We will discuss this research and how Prudential approached the construction of our own TDFs, the Day One™ Fund Suite.Rick Studer joined Prudential Investments in 2011 to build a division focused on RIAs, Consultants, and Independent Trust Companies. He and his team represent strategies sub-advised by all four Prudential asset managers: Jennison Associates, Quantitative Management Associates, Prudential Real Estate Investors, and Prudential Fixed Income. Prior to joining Prudential, he spent 15 years with Columbia Asset Management. Rick started his � nancial career in 1991 with Putnam Investments in their marketing department, and in his last position was a VP, Institutional De� ned Contribution Sales. He is a 1989 graduate of Ohio University.

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change.challenge.

opportunity.