Kristi K. Baker is Managing Partner for HUB Retirement and Wealth Management/CSi Advisory Services (HUB CSi). Since 1993, Kristi has partnered with hundreds of plan sponsors to design and manage a successful retirement plan, both from the company perspective and from the retirement success of their employees. Kristi has upheld a commitment to building an organization centered on integrity and meaningful relationships, which seek to provide unsurpassed service and independent advice for professionals, businesses, and their employees.
Kristi is a strong advocate of financial education and successful retirement outcomes. She holds a B.S. in Finance and Insurance from Illinois Wesleyan University. She has earned the Certified 401(k) Professional (C(k)P) designation awarded in conjunction with the Anderson School of Business and Executive Management at the University of California at Los Angeles (UCLA); the Accredited Investment Fiduciary (AIF) professional designation awarded by the Center for Fiduciary Studies. She is a Chartered Advisor of Senior Living (CASL), a Chartered Financial Consultant (ChFC), and a Chartered Life Underwriter (CLU).
Kristi and CSi have been recognized for their services. Kristi has been named a Top 100 Retirement Plan Adviser by PLANADVISER, in addition to being named in 2023 and 2024 as a Retirement Plan Adviser of the Year Finalist.

Andrew Cleary co-founded SFP Wealth in 2007 with the goal of helping people and companies act on the important and often-times complex financial decisions that come with success. He specializes in the full integration of personal business and estate planning services, alongside his work in the retirement plan space, where he provides fiduciary services to mid-size qualified retirement plans and private equity portfolio companies.
In addition to his role as Partner at SFP Wealth, Andrew joined the Leadership team at Baystate Financial in January of 2024, where he focuses on adviser training, refining marketing strategies and bolstering practice management initiatives company wide. Andrew earned his BA from Georgetown University in Economics and Government. He holds the CERTIFIED FINANCIAL PLANNER certification (CFP), Chartered Life Underwriter (CLU), and Accredited Investment Fiduciary (AIF) designations, along with Series 6, 7, 63, and 65 securities registrations, and Producer’s Life, Accident and Health or Sickness, and Property and Casualty insurance licenses.

Kim Cochrane, QPA, TGPC, is the Director of Client Services of HUB International Mid Atlantic LLC in Rockville, MD. She has over 25 years of experience, primarily in the consulting area of IRS, Department of Labor and ERISA regulations.
Kim focuses on corporate and non-profit retirement plans, including pension plans, 401(k) plans, 403(b) plans, profit sharing, cash balance and executive benefit plans. Kim’s day-to-day responsibilities include working with plan trustees on addressing their fiduciary responsibilities and working with individuals on managing their retirement accounts.
Kim holds FINRA Series 6, 63 and 65 securities registrations, life and health insurance licenses and is a credentialed and active member of The ARA (American Retirement Association), NAPA (The National Association of Plan Advisers) and WIPN.
At HUB, Kim is a Non-Profit Specialty Expert and has received numerous industry awards, including NAPA’s Top Woman Advisor, PLANADVISER’s Top Retirement Plan Adviser and PLANSPONSOR Adviser of the Year Finalist.
Prior to joining HUB in January 2022, she was the Director of Client Services with Raffa Retirement Services. She has spent over 20 years as a relationship manager and consultant at some of the biggest recordkeepers in the industry.

Joe DeBello, Vice President at CAPTRUST, brings over 10 years of experience in the retirement plan industry. As a trusted adviser, he assists clients with all aspects of their workplace retirement plans. Joe has been featured in publications such as the Wall Street Journal, Forbes, and Pensions & Investments. He is a Certified Pension Consultant (CPC) and a Chartered Retirement Plans Specialist (CRPS). Joe resides in St. Petersburg, Florida, with his wife Elsa, daughter Olivia, and their two dogs, Harry & Lola.

Barnaby is the founder and managing partner of The Horton Team at Merrill Lynch in Hartford, Connecticut. A Certified Investment Management Analyst professional, Barnaby is a Senior Retirement Benefits Consultant Institutional Retirement, a select, and highly credentialed, Merrill Lynch Wealth Management adviser focused on the group retirement field. In 2024, PLANADVISER named Barnaby a Top Retirement Plan Adviser. In 2023, Barnaby was named a Forbes Best In State Wealth Advisor.  Financial Times ranked Barnaby as one of the “Top 401 Financial Advisers” in 2015, 2016, 2017, 2018, 2019, and 2020. In 2010, Barnaby was named one of PLANADVISER’s “Top 100 Retirement Plan Advisers.” He is a graduate of Washington University in St. Louis and University of Connecticut School of Law, and has specialized training from Yale School of Management, UCLA’s Anderson School of Management, and Wharton School of Business.

Sean Kelly serves as a financial adviser and holds the position of Vice President at Heffernan Financial Services. With a career spanning 17 years in the retirement plan investment advisory business, Sean has become a trusted expert in group retirement plans across private, public, and nonprofit sectors. His dedication lies in helping organizations craft and sustain robust retirement plan benefits for both the company and its employees.
Sean takes pride in delivering genuine independent investment advice and fostering a consultative relationship with each client. As a committed advocate, he guides them through every step of the process, ensuring the best outcomes. Together with his team, Sean manages a portfolio of just over $1 billion in assets, distributed among 47 valued clients.
Sean pursued his education at The University of California, Santa Barbara, earning a BA in Business Economics.

Nick Nefouse, CFA, Managing Director, is the Global Head of Retirement Solutions in BlackRock’s Multi-Asset Strategies & Solutions (MASS) team and Head of LifePath, BlackRock’s global target-date fund franchise.
Nick’s service with the firm dates back to 2003, including his years with Merrill Lynch Investment Managers. Most recently, he was the Head of Investment Strategy for the Retirement Group where he oversaw the growth of the LifePath franchise.
He earned a degree in Economics from Michigan State University. He is a board member of both the Financial Markets Institute and Economics Advisory Board at Michigan State University. He is also CFA charterholder.

Phil Sherman, CFP, is the Senior Retirement Plan Consultant of Deschutes Investment Consulting in Portland, OR. He was originally drawn to the retirement plan industry after years of working in the wealth management field, where his interactions shed light on the lack of financial literacy. This inspired him to shift his focus to retirement plans and their participants. By working with retirement plans, he realized he could have a direct impact on education through workplace benefits and help employees better handle their money and make choices today that will have a lasting impact for tomorrow.

Leah is an Executive Partner and the President of Retirement Plans for Shepherd Financial. Prior to joining Shepherd Financial in 2015, Leah worked as a retirement plan designer and plan consultant. She has a Bachelor of Science in Mathematics from the University of Notre Dame. Leah is a Qualified 401(k) Administrator; Qualified Pension Administrator; and Certified Pension Consultant.

Megan Warzinski is Managing Director at HB Retirement. She began working at HB Retirement in 2005, joining the company after working at a retirement plan recordkeeper for seven years in various roles of employee education and account management. Her areas of experience include retirement plan consulting, plan design analysis, investment monitoring, provider and fee benchmarking, business development strategies, plan governance and fiduciary responsibility, financial well-being strategies and program implementation, and practice and business management. Megan studied political science at Westminster College.

As a 25-year industry veteran, Chuck has devoted his professional life to enhancing the financial well-being of institutional and individual clients. As the Finspire, LLC Chief Executive Officer and Senior Consultant, Chuck provides oversight of the firm and is a lead consultant for many of the firm’s corporate retirement plans and high-net worth individual clients. Chuck is also an Adjunct Professor at Northwestern’s School of Continuing Studies where he has been teaching the Retirement Planning and Employee Benefits course since 2005.
Prior to co-founding Finspire, LLC, Chuck served as a Managing Director and Senior Lead Consultant with Sheridan Road Advisors, LLC for 10 years, and with Bank Leumi for the 8 years prior. Chuck is continually working to strengthen his industry knowledge and expertise. Chuck is a Certified Financial Planner (CFP), Chartered Retirement Plans Specialist (CRPS), A Certified 401(k) Specialist (C(k)P), an Accredited Asset Management Specialist (AAMS) and an Accredited Investment Fiduciary (AIF). He earned his B.S. in Finance from DePaul University and his Masters in Business Administration from the Kellstadt Graduate School of Business at DePaul University.