Steve Sansone has spent the twenty-five years in the retirement plan industry as an investment wholesaler and RIA. He currently is a Principal at Kravitz Investment Services and a Vice-President of Payden/Kravitz, a joint venture between Payden & Rygel and Kravitz Investment Services, offering the Payden/Kravitz Cash Balance Pension Plan Fund.

While Steve does maintain a successful RIA plan of over 100 clients and nearly $300 million, his main focus is helping Advisors and TPA firms grow their practice through cash balance plan strategies. Steve is a frequent speaker at the National Conferences, a presenter for the Kravitz Cash Balance Coach program and is a co-author of the book "BEYOND THE 401(K)". He graduated from the SUNY Buffalo School of Law (Cum Laude) and serves as a member of the Board of Directors for Bank of Santa Clarita, in Santa Clarita, California.

Aylmer Magill is Managing Director for John Hancock's Investment Only Division covering the MidAtlantic and Southeastern States. Aylmer's focus is working with retirement plan advisors providing them with unique positioning and prospecting ideas. Along with that, he enjoys discussing the historical and psychological approach to communicating with plan sponsors. Currently, Aylmer is concentrating on technology based solutions and their impact on time efficiency.

Aylmer is new to John Hancock joining them in June of this year. Aylmer has 17 years experience working in the Retirement Plan Market where he has been an advisor as well as a wholesaler for Ceridian and Wachovia's open architecture recordkeeping platform products. Originally from Pennsylvania and a graduate from the University of Pittsburgh, Aylmer and his family now live in Richmond, Virginia.

Dwight G. Edwards is a Director of Business Development in the Tampa Retirement Services
Office. Chris Bettis, Director of Sales & Service, manages the Tampa Office.

Dwight is a Seminole, FL native. He served in the United States Air Force from 1990 to 1995.
He graduated from the University of South Florida, Tampa, FL with a BS in Finance in 1997.
Prior to joining Principal, Dwight was with Raymond James & Associates in St. Petersburg as
the Director of Retirement Plan Consulting. He has a Series 7, 63, 65, 31 and Life, Health, &
Variable Annuity License. He lives in Wesley Chapel, FL north of Tampa and is married with two
daughters.

Brian Parton is a Regional Consultant for Howard Capital Management. He works as a marketing consultant on Howard Capital's services and fee based money management for independent financial advisors. Brian specializes in helping advisors implement the HCM 401(k) Optimizer® and Howard Capital's Advisor Solutions in their practice to create a pipeline of new clients and revenue streams. He is responsible for coordinating advisors current marketing plans with Howard Capital's services and team to create a turnkey marketing and practice building system for the advisor.

Brian has had 8 years of experience working with small to mid tier independent advisors.

Eric brings 18 years of industry experience with a wide and varied background to his role at Guardian. With a unique ability to simplify complex ideas and present them in a clear and compelling manner, Eric has built working relationships that go far beyond providing financial products. Eric's mission is to offer proven retirement solutions for a wide range of qualified plans including 401(k), profit sharing and defined benefit plans that are designed especially for the needs of business owners and their employees. He also specializes in helping financial advisors find opportunities to grow theirpractice.

Eric attended the University of Baltimore and received a dual BS degree in Finance and Business. He is Series 6 & 63 licensed.

Eric resides in Hobe Sound, Florida, with his wife, Lisa. Along with his passion for boating and fishing, he and his wife enjoy traveling, and are exercise enthusiasts. Eric enjoys any outdoor activity that he can share with family and friends.

Derek A'Hara is currently the Southeast Regional Manager for ADP Retirement Services. In this role, Derek focuses on driving retirement plan sales for ADP through the Financial Advisor community. Prior to spending the last 5 years at ADP, Derek spent 12 years working for Franklin Templeton Investments with a focus on the retirement plan industry, as well as 2 years as a financial advisor for Dean Witter. Derek graduated from Michigan State University with a B.A. in Communications. Derek is married with two young children and currently resides in Clearwater, FL.