Greg services institutional clients by providing counsel and guidance on portfolio design, asset allocation, manager selection, investment policy statements and performance monitoring. He is also a member of the Recordkeeper Oversight Committee. Greg joined Fiduciary Investment Advisors, LLC in 2017, which combined with Fiducient Advisors in 2020. Before joining the firm, Greg worked in both institutional and individual wealth management helping create positive retirement outcomes for plan sponsors and plan participants. He received his BA from the University of Connecticut and is a ChFC^® (Chartered Financial Consultant). He volunteers as a Board Member for MARCH, Inc. of Manchester, a Connecticut organization dedicated to enriching the lives of individuals with intellectual disabilities, and as a Board Member of the Connecticut Council on Problem Gambling. Greg enjoys biking, hiking, kayaking, running, lacrosse and football in his free time.

Taking what he has learned over the last three decades, Brad brings his industry experience and knack for prognosticating what’s coming…or needs to come next, to a business plan aimed at serving a demographic that has largely been ignored by the wealth management sector – successful financial outcomes for the American worker. As the fifth employee in his family’s local retirement planning/recordkeeping business, he used his legal training for spotting issues and coming up with progressive solutions to help engineer a sustainable firm with a national client footprint and over 140 employees at its peak. Brad’s pioneering spirit pushes an atmosphere of innovation yet collaboration among the intellicents team; and, ever the creative visionary, he has a penchant for taking the “fine” or even the “good” and turning it into the “beautiful”…like a 40+ year-old company with a startup mentality and aspirations for offices around the country.
Brad has worked in the retirement and employee benefits areas for over three decades. With a concentration on the design, funding, and communication of defined contribution retirement plans, IRC Section 125 flexible benefits plans, defined contribution health insurance approaches, private health insurance exchanges, health savings accounts, executive compensation plans, and worksite financial wellness programs, he has practically made ERISA his work-wife.
A graduate of Washington University School of Law, he is a current member of the Retirement Advisor Council for Fidelity Investments Custody and Clearing Group (FCC), a former member of the Charles Schwab Retirement Business Services Trust & Custody Advisory Board, a former member of the Advisory Council for SunGard Relius, a member and former President of Retirement Advisors & Designers of America (RADA), a former member of the Employee Benefit Section of the Minnesota Bar Association, and a current member of the Blue Partners Advisory Board for Blue Cross Blue Shield of Minnesota.
Brad is a frequent industry speaker, and he primarily focuses today on expanding the company footprint nationally by recruiting new teammates to join intellicents.
Offline Brad enjoys decompressing either in the gym or around water…which generally involves a lake, a boat, good classic rock or Motown tunes, a full cooler, and his wife of more than three decades. He chases his three adult daughters around the Twin Cities in support of their “foodie” habits, loves to go “out west” skiing a couple times each winter and makes his yard an art project every spring and summer. He’d like to be a decent golfer some day, but accepts that it’s just going to be another source of stress right now while his play is generally confined to only three or four charity best-shots per year. At the end of the day, he simply loves his job.

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Brad also deeply believes in giving back to the community of Albert Lea, Minnesota where he was raised and that has supported his business efforts.  His current passion centers on the issue of rural healthcare.  For 2 ½ years, he chaired the local citizens action group Save Our Healthcare whose mission was to: 1) restore services being removed; 2) regain control of the healthcare services offered in the community; and 3) reduce the cost of high-quality healthcare in the community.  Today, those efforts have morphed into the Albert Lea Healthcare Coalition, a 501(c)(3) nonprofit organization that Brad helped found and currently volunteers as its President.  Its purpose is to build a full-service healthcare clinic and outpatient surgery center to serve the citizens of Albert Lea and the surrounding area by providing an affordable high-quality healthcare alternative.
In recognition of his local business development and community service efforts, Brad was inducted into the Albert Lea High School Education Foundation Hall of Fame in 2017.  Read his inspirational “What He’s Learned Along the Way” talk here he gave to the senior class as part of his induction. Brad was also named 2020 Citizen of the year by the Albert Lea Tribune for his volunteer efforts to restore lost healthcare services to Albert Lea and the surrounding communities. 

Will joined Fidelity in 2019, leading Business/Channel Development for Fidelity’s HSA business. Before joining Fidelity, he spent a number of years at ADP where he served in various healthcare, CDH, and benefits administration Product and Strategy leadership roles. Prior to that, he led Consumerism Products at Cigna Healthcare, including CDH, Exchanges and Economic Incentives.
Will began his career in consulting with Accenture, and then as a Brand Manager with Unilever. He earned a BS from Bryant College and an MBA from Vanderbilt.

Jamie has spent her entire professional career helping employers and employees navigate the retirement space. She has been with Cafaro Greenleaf since 1993 and a principal since 1997.
Jamie serves on the Advisory Boards of Prudential and American Century and John Hancock, as well as participated in the Leadership Council for the National Association of Plan Advisors (NAPA). She is an adjunct lecturer in the Plan Sponsor University certification program for UCLA’s Anderson School of Business-Executive Education. Greenleaf holds a BA in Business Administration from Delaware Valley College, is a Registered Financial Advisor and is Life and Health insurance licensed. Jamie is also is a Registered Investment Advisor representative and holds series 7, 26, and 63 licenses.
Jamie founded HSAgateway now known as TILT  in 2019.
Jamie currently resides in Rumson, NJ with her husband and two sons.

Inci Kaya is a Senior Analyst within Aite Group’s Health Insurance practice and covers health care payments, consumer driven health, health benefit accounts, fraud, price transparency, consumer trends, IoT, AI/ML for industry stakeholders. Kaya brings to Aite Group 10 years of experience in advisory research, strategic market insights, and analysis working with financial services, IT service providers, and healthcare industry clients.
Previously, she was a research analyst at Bloomberg BNA’s former subsidiary Kennedy Information, researching the health care payer, provider, government, life sciences, and biotech sectors. She began her career as a quantitative analyst at TowerGroup (now part of Gartner) covering key issues at the intersection of financial services and technology, such as consumer-facing technologies; governance, risk, and compliance; sustainable business practices; and automation.
Kaya is an accomplished speaker for knowledge calls, webinars, and conferences. Her knowledge calls, which provided web training on the cloud marketplace and trends, garnered large audiences from sales professionals, and she was ranked among the top 5% of speakers at a financial services annual conference based on participant survey responses.
Kaya holds an MBA in International Economics and Finance from Brandeis University and enjoys international travel, cultures, languages, and cuisine. She speaks French, Turkish, and Japanese and lives in Boston with her spouse and two children.

Keith Kotfica, Senior Vice President of Strategic Partnerships, leads Health Equity’s health plan, retirement, broker and referral distribution partnerships. In this role, Keith and his team work with partners to identify areas of collaboration and product development that will lead to the growth of HSAs, FSAs, COBRA and other consumer directed benefits. Additionally, the teams are the main service point of contact for HealthEquity’s broker and consultant relationships, delivering remarkable service and support. Keith joined Health Equity in October of 2019. Previously, Keith spent over five years at Financial Engines, heading up the recordkeeping partnership and plan sponsor relationship management teams. In this role, Keith worked with country’s largest employers and recordkeepers to increase customer satisfaction, roll out new products and drive revenue gains. Prior to Financial Engines, Keith was a DVP at ACS/Xerox (now Conduent), running a division that focused on delivering Health & Welfare and Retirement outsourcing services to Fortune 500 companies and large government and not-for profit organizations. Responsibilities included oversight of satellite customer service centers, account management, and operations teams that added over one million accounts over a five-year period. Keith spent the early part of his career, roughly thirteen years, with State Street / Citistreet (now Voya) in escalating roles, culminating in his role as SVP of Implementation. Here, Keith was responsible for a team of project managers and analysts dedicated to implementing large H&W and Retirement programs onto the CitiStreet platform and service model. Keith earned his Master of Business Administration from Babson College in Massachusetts and his Bachelor of Business Administration from Baruch College in NY. He lives in Franklin, MA, and when not quarantined, spends approximately half of his time in HealthEquity’s Draper, UT offices.

Juliane leads the Voluntary & Health Savings & Spending Account product teams for MetLife’s Group Benefits business. In this role, Juliane has overall responsibility for the product strategy, product development & capability delivery for these businesses.  She was named to this position in October 2020.
Prior to this role, Juliane spent six years leading business units in MetLife’s National Accounts segment.  Most recently, Juliane had oversight for MetLife’s Northeast-based employee benefits clients with over 5,000 lives and she was previously responsible for MetLife’s Federal employee benefits clients.
Juliane joined MetLife in 1996 and has served in various roles in support of MetLife’s employee benefits business through the years. 
Juliane earned a bachelor’s degree from St. John’s University and Juris Doctor degree, cum laude, from St. John’s University School of Law.

Phil Mason joined UMB in June 2005. As executive vice president, chief operating officer of Institutional Banking and director of Healthcare Services, Mr. Mason is responsible for the Healthcare Services line of business within Institutional Banking as well as management and oversight of the division’s financial performance, daily operations, compliance teams and several other groups within Institutional Banking. Mr. Mason serves as an executive team member for the Institutional Banking line of business responsible for input on the strategic direction of the department. He focuses on executing strategic initiatives within the division as well as supporting the overall growth of the business. During his career at UMB, Mr. Mason has assumed successively broader management roles. Prior to his current role, he served as senior vice president, executive operating officer for Institutional Banking. Additional roles include: senior vice president, director relationship management and support for Institutional Asset Management, vice president, line finance for UMB’s Finance Department and senior analyst, Mergers and Acquisitions. Mr. Mason earned a double major bachelor’s degree in finance and economics from the University of Illinois Champaign-Urbana and a Master of Business Administration in finance and management from Rockhurst University. In his spare time, Mr. Mason serves as a volunteer at Christ Community Church in Leawood, Kansas.

J. Kevin A. McKechnie, is the founder and Executive Director of the Health Savings Account (HSA) Council at the American Bankers Association. He joined ABA in 2000 after serving as the Government Relations Representative for the Affinity Services Division of Marsh & McLennan and also as Director of Government Relations for International Financial Services, a wealth management and insurance consulting firm. He served as Legislative Director to former Congressman William Dannemeyer of California. Kevin holds a BA in History and Political Science from York University in Toronto, Canada.

Greg Puig joined Sentinel Benefits & Financial Group in 2011 and currently serves as Vice President, Benefit Consulting Services. His responsibilities include providing expert advice, developing solutions and executing strategies for current and future Health & Welfare clients. Puig oversees Sentinel Insurance Agency’s consulting team and is focused on helping organizations design, implement, communicate and administer their employee benefit offerings. He concentrates much of his time on helping companies navigate today’s difficult regulatory landscape and implement tax advantaged accounts to help mitigate health care expenses.

Roy Ramthun is a nationally recognized expert on health savings accounts and consumer-directed health care issues. He led the U.S. Treasury Department’s implementation of HSAs after they were enacted into law in 2003. President George W. Bush then tapped Ramthun to be his health care policy adviser at the White House, where he developed the President’s proposals to expand HSAs while overseeing the implementation of the Medicare prescription drug benefit (Part D). As Founder and President of HSA Consulting Services, LLC, Ramthun continues to be an advocate for consumerism in health care and is a frequent speaker at conferences and seminars around the country. Ramthun has over 30 years of health care and public policy experience, both in government and in the private sector. He has served on the staff of the U.S. Senate Committee on Finance and the U.S. Health Care Financing Administration (now known as the Centers for Medicare & Medicaid Services). He also spent eight years with Humana Inc. and two years leading the West Health Policy Center. Ramthun holds a Master of Science degree in Public Health from the University of North Carolina, and a Bachelor of Science degree from the University of Michigan.

Amy joined Transamerica in 2009 and is currently the Director of Advice and Wellness Product Development Solutions. She led Transamerica’s implementation into the Health Savings and Spending Account market with a direct focus on leveraging Transamerica’s long-standing retirement expertise.
Amy is a Fellow of the Society of Actuaries and a Member of the American Academy of Actuaries.

Amy currently lives in Cedar Rapids, Iowa with her husband and two sons

Zack Hoffmann-Richards advises clients on a variety of healthcare matters, providing counsel to plan sponsors, insurers, and third party administrators on a broad array of issues relating to ERISA, COBRA, HIPAA, ACA and MHPAEA. He also advises clients on compliance issues related to wellness programs under HIPAA, ADA, and GINA.

Zack assists employers in designing health plans and supports insurers in designing new products. He also counsels employer plan sponsors and issuers through U.S. Department of Labor investigations and other regulatory actions.

Immediately prior to joining Groom, Zack served as an Associate Director in Willis Towers Watson’s Health and Benefits Compliance group where he counseled Fortune 500 companies in the local market as well as nationally on all aspects of employee benefit plan compliance with a focus on health and welfare compliance. He provided technical and strategic advice to clients regarding plan administration, nondiscrimination testing, reporting and disclosure, plan design and governance, with a constant focus on developing solutions that were both compliant and practical to administer.

Prior to Willis Towers Watson, Zack served for more than eight years as a Senior Investigator/ERISA Enforcement Advisor with the U.S. Department of Labor’s Employee Benefits Security Administration.  In this role, Zack initiated, planned, coordinated, and conducted complex civil and criminal investigations of large and varied employee benefits plans, service providers, Taft-Hartley plans, Employee Stock Ownership Plans, trust departments, and other financial entities holding plan assets and/or providing investment advice to ERISA plan clients. He also investigated allegations of criminal misconduct (including theft or embezzlement from employee benefit plans, false statements, conspiracy, and other applicable provisions of the United States Code) and violations of ERISA, HIPAA, COBRA, and ACA.

Kevin Robertson serves as Chief Revenue Officer with HSA Bank and is responsible for leading the growth strategy and organization at HSA Bank. Kevin has worked for HSA Bank for nearly 10 years and has more than 25 years of experience in banking, insurance and financial services.
His background covers a variety of sales, business development and operational roles and spans a diverse spectrum of employee benefit services. In addition to his tenure as a banking executive, Kevin was also a self-employed business owner for 12 years, managing a large insurance operation with more than 25 separate agency locations, and was a Financial Industry Regulatory Authority (FINRA) Registered Representative and Principal for eight years.
Kevin is a recognized expert in the consumer-directed healthcare industry, especially for his legislative and regulatory efforts as an Executive Board Member of the American Bankers Association HSA Council.

Manuel Rosado is the president and a partner at Spectrum Investment Advisors and is responsible for the general operations of the firm. He has been in the retirement plan and investment management industry since 1999 and presently holds the Investment Adviser Representative license (Series 65). He has been a speaker and panelist on retirement plan fiduciary and investment education topics at numerous industry conferences and is a member of the firm’s investment committee.
Rosado specializes in helping plan sponsors implement successful retirement programs by providing specialized knowledge of fiduciary standards and their application to the investment management process, as well as turning behavioral finance concepts into actionable solutions.
Rosado holds a Master of Business Administration in Finance from Concordia University – Wisconsin and a Bachelor of Arts in Business Administration from Taylor University. He also holds the Certified Behavioral Finance Analyst (CBFA) designation from the AGI Center for Behavioral Finance.

Katy Spangler, principal of Spangler Strategies has more than 15 years of experience working in Washington, D.C. to clients seeking assistance navigating Capitol Hill, the White House, and the federal agencies. Spangler Strategies utilizes a deep knowledge of health care policy, successful advocacy, and diverse coalition building to support clients by working on a wide variety of health care issues.
Spangler is Senior Advisor to the American Benefits Council and the Alliance to Fight the 40, a coalition established to protect employer-provided health coverage. She is also Co-Director of the Smarter Health Care Coalition, a diverse group of stakeholders focused on integrating benefit design innovations and consumer engagement within broader delivery system reform in order to better align coverage, quality, and value-based payment goals. She serves on the Advisory Board to The University of Michigan Center for Value-Based Insurance Design.
Before forming Spangler Strategies, Spangler served as Senior Vice President, Health Policy for the American Benefits Council.
Spangler cofounded VBID Health, a consulting company that specializes in designing and promoting health benefit plans and payment policies that get more health out of every health care dollar. She earned a bachelor’s degree in economics from The University of Tulsa.