The Financial Guys Team
Charmaine Kaes*
CPFA®
401K Sales & CPFA®
Licenses & Certifications Include:
- Series 6
- Series 63
- Series 65
- Certified Plan Fiduciary Advisor
About Charmaine Kaes
Overview
Having worked in the retirement plan arena for over 40 years, she is fluent in plan design, plan implementation and ongoing plan communication and consulting with both business owners and individual employees. As owner of Retirement Service Providers, Inc., she is able to offer in-house TPA services which include all phases of Plan Administration. Her company strives to make plans affordable for every size group and she will work diligently with you to develop a plan that suits your company’s needs and budget.
Experience/Career
She began her career with Massachusetts Mutual for 13 years in a combination of sales and administrative duties. She was then recruited by MONY and worked with them in developing sales in the pension plan market. From there she worked with Guardian, National Life of Vermont and John Hancock in the same capacity. She purchased Retirement Services, Inc. and began providing in house administration to the plans she implemented. Ms. Kaes has spoken nationally on the subject of retirement plans and retirement plan design. She is now with an independent Broker/Dealer, Peak Brokerage Services, and has joined the Financial Guys in Buffalo, NY to assist their sales staff with marketing and sales of all types of retirement plans and offer in-house administration of those plans.
Family/Interests
Charmaine’s daughter, Nanette Morganti, manages the administration company and offers full service to plan participants – Charmaine feels that working with her daughter is a “dream come true.”
Companies/Services
Retirement Service Providers, Inc. is an independent organization which was formed in 1963. In 1980 it was purchased by Ms. Kaes. Charmaine entered the pension business in 1971 and has been active in this complex and ever-changing industry since that time. Along with other trained professionals of the firm, RSP offers the experience and knowledge essential to designing, implementing and servicing your retirement plan to ensure its ultimate objective – achieving your goals. RSP works to become part of your team by instilling a sense of security with your employees, promoting the objectives of your company and providing the finest retirement package available at affordable costs.