For over 40 years, Scott has specialized in retirement planconsulting, plan design, plan communications, and asset management services pertaining to tax qualified and non-qualified retirement plans.

From 1979 to 1989 Scott was a principal and officer to Paul A. Tanker & Associates, one of Philadelphia's foremost penion and benefit firms with over 850 retirement plans and 55 employees. In 1993, founded his own firm, Tanker & Associates, Inc., and in 1999, he sold his company with over 250 plans to Century Business Services (CBIZ). Scott left CBIZ in 2004, and in 2005 founded Tanker Consulting Group, LLC.

Scott's Experience as a retirement and benefit plan consultant gives him the background necessary to counsel corporate decision markers on all facets of retirement plan design and installation, plan compliance, fiduciary duties, communications, adminstration, and record keeping. With a special expertise in retirement plan design and communication; he has helped hundreds of companies implement successful retirement programs.

Scott received a B.S.B.A. in finance from the Uiversity of Denver in 1978. He continued has education at the American College in Bryn Mawr, Pennsylvania, where he completed the Advanced Penion Planning course. (1980) and achieved the designations of Chartered Life Underwriter (CLU) in 1984, and Chartered Financial Consultant (ChFC) in 1986. He has had a AIFA desgnation for Fiduciary compliance practices.

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 suites your company's needs and budget.

She began her career with Mass 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 subjest of retirement plans and design. She is now with an independent Broer/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 inhouse administration of those plans.

Retirement Services Providers, Inc. is an independent organization which was fored 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 promoting the objectives of your company and providing the finest retirement package available at affordable costs.