MEET THE TEAM!
Charmaine Kaes
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 Serves Providers, Inc., she is able to offer in-house TPA services which include all phases of Plan Administration. Her company has strived 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.
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.
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”.
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.
Nanette Morganti
After graduating high school I immediately went to work for my mom while attending college. I worked with her for several years handling the administrative side of the 401K business and then took a break to start a family. During this time I was a stay at home mom for my 4 beautiful children, who have recently made me a grandma as well.
After some life changing events, I decided to enter the work force again and continue to work at Retirement Service Providers with my mother. It has been one of the best decisions of my life. I love interacting with people and helping them in anyway that I can. Working with my mother has been an amazing journey and she has truly helped me grow in this career with her vast knowledge.
I handle all administrative aspects of a 401K Plan, including but not limited to: plan design, plan documents, annual reports, employee withdrawals, termination requests, IRS 5500 filings, Plan testing, RMD calculations and distributions. I enjoy the personal relationships that I have made over the years with all of our clients which is something that is most important to me. Taking the time to listen helps me fulfill their individual needs as well as keeping their plan running smoothly.
Charmaine and I have recently moved into The Financial Guys® office building which has been an amazing experience to work with such talented people. I look forward to working on growing our business and continuing to learn every facet of this business.