Menke Plan Administrators
Victor Alvaro
Manager – Atlanta Office
valvaro@menke.com | (415) 318-1050
Victor Alvaro has been involved in employee benefits specializing in qualified plan administration since 1980. Prior to joining Menke & Associates, Inc. in 1994, he was first exposed to the administration of Defined Benefit Plans and the actuarial requirements relating to such Plans. In addition, he was involved in the design, installation and administration of numerous Defined Contribution Plans including Profit Sharing, Money Purchase, 401k, Target Benefit and Employee Stock Ownership Plans for small corporations, sole proprietors and partnerships. He has extensive knowledge in the design, communication and technical aspects of qualified Plans. Victor’s concentration in Employee Stock Ownership Plans started in 1994 when he joined the San Francisco offices of Menke & Associates, Inc. There he was responsible for the administration of a number of Employee Stock Ownership Plans. The Plans encompassed various degrees of complexity and size for companies all over the nation. Victor relocated to the Atlanta, GA area in 1997 and assisted with the opening of the Menke & Associates, Inc office in Roswell, GA. He currently is Regional Manager of the eastern division offices of Menke & Associates Inc. and is responsible for the administration of several Employee Stock Ownership Plans. He is well versed in the technical issues surrounding the administration of Employee Stock Ownership Plans including leveraged transactions, 1042 elections, contribution and dividend allocation and limitations, share repurchases, diversification and S-Corp anti-abuse. Victor is a member of the ESOP Association, The ESOP Association Administrative Advisory Committee, the National Center for Employee Ownership and the American Society of Pension Professionals and Actuaries where he holds the credential of Qualified 401k Administrator (QKA.) He received his education from San Francisco State University as an accounting major.
Deepa Ayer
Senior Benefits Consultant
dayer@menke.com | (415) 318-1020
Deepa Ayer first joined Menke & Associates, Inc. in 2002. Prior to that, Ms. Ayer served as Vice President, Retirement Plan Services, for the Riggs Bank in Washington, D.C., and had over 8 years of experience in administering ESOPs and other defined contribution plans. Ms. Ayer received her Bachelor of Commerce degree, with an emphasis in accounting and auditing, from the University of Delhi in Delhi, India, in 1991.
Joel Codiamat
Administrative Consultant
jcodiamat@bsiesop.com | (702) 982-7811 ext. 116
Joel Codiamat has 18 years of experience in the employee benefits industry and has been focused on ESOPs and 401(k) plans. Prior to handling ESOP administration, he worked in public accounting with Ernst & Young. He holds the QKA designation from the American Society of Pension Professionals & Actuaries (ASPPA). He is a member of The ESOP Association and ASPPA. Mr. Codiamat received his BS Accountancy and graduated cum laude.
Michael Dee, MBA, QKA
Senior Benefits Consultant
mdee@menke.com | (847) 737-3417
Michael Dee is a senior benefits consultant for Menke’s Benefit Plan Administrators group and has over 25 years of experience in retirement plan consulting and administration. Mr. Dee’s responsibilities include annual recordkeeping for defined contribution (DC) plans, technical consulting related to defined contribution plans, and preparation/review of the annual Form 5500 for all types of plans required to file a Form 5500. Recent experience includes allocations of DC plans, with a focus on Employee Stock Ownership Plans and 401(k) Plans. Mr. Dee is a technical resource for all applicable ESOP and 401(k) compliance issues. He is experienced with preparation/review of Forms 5500 for DC plans, defined benefit plans, health and welfare plans, 403(b) plans, and master trusts.
R. Thomas Eschbach
Manager – Chicago Office
teschbach@menke.com | (847) 290-1515
Tom Eschbach joined Menke & Associates, Inc. to head up the Chicago office of the firm. Prior to opening the Chicago office, Mr. Eschbach was Accounting Manager for the Protection Mutual Insurance Company where he was in charge of the management of the accounting staff. Prior to that, Mr. Eschbach was employed as a CPA by a Chicago-based public accounting firm. Mr. Eschbach has over 18 years of experience in financial reporting, investment accounting and tax return preparation. Mr. Eschbach received his B.B.A. degree from Valparaiso University in 1982 and became a Certified Public Accountant in 1983.
Megan Fincher
Senior Benefits Consultant
mfincher@menke.com | (408) 260-1525
Prior to joining Menke & Associates, Inc. in 2007, Ms. Fincher had 8 years of experience in retirement plan administration and accounting with Invesmart (a subsidiary of The Standard Financial Group). Ms. Fincher was a Retirement Plan Analyst and worked on 401 (k), Profit Sharing, and Employee Stock Ownership Plans. Ms. Fincher received her A.A. in Business from San Jose City College, and earned QKA (Qualified 401 (k) Administrator) through the American Society of Pension Professionals & Actuaries.
Deborah Fulton
Manager – San Francisco Office
dfulton@menke.com | (415) 318-1013
Deborah Fulton has worked for Menke & Associates, Inc. as a Senior Benefits Administrator for over 19 years. Prior to joining Menke & Associates, Inc., Ms. Fulton was a Senior Benefits Consultant with Coopers & Lybrand for 9 years. Ms. Fulton received her B.S. degree in mathematics from the University of California at Berkeley.
Michael Hatlee, QPA, QPFC
Senior Benefits Consultant
mhatlee@menke.com | (415) 318-1022
Michael Hatlee is a Senior Benefits Consultant and has over 25 years of experience in defined contribution retirement plan administration. Prior to joining Menke & Associates, Inc. Mr. Hatlee spent the majority of his career as a Vice President at two regional banks in the Northeast. In these positions Mr. Hatlee was responsible for a wide range of plan administration and consulting duties including plan design, plan document drafting, employee education and plan compliance. Mr. Hatlee is a member of the American Society of Pension Professionals & Actuaries (ASPPA) and holds the following ASPPA credentials: Qualified Plan Administrator (QPA), Qualified 401(k) Consultant (QKC), Qualified 401(k) Administrator (QKA) and Qualified Plan Financial Consultant (QPFC). Mr. Hatlee received his Bachelor of Science degree from Cornell University in Ithaca, NY.
Anne M. Johnson, QKA, QPA
Senior Benefits Consultant
ajohnson@menke.com | (815) 806-9833
Prior to joining Menke & Associates, Inc. in 2001, Ms. Johnson was Profit Sharing Supervisor for the McDonald’s Corporation 401(k) Plan, the Employee Stock Ownership Plan and the Deferred Income Plan in Oak Brook Illinois. Prior to that, Ms. Johnson was a Retirement Plan Consultant for Griffin Pension Services in South Hamilton, Massachusetts and an Actuarial Assistant for Holzman, Post, Ludwig & Schwartz in Arlington Heights, Illinois. Ms. Johnson obtained her B.A. degree in l987 from Lewis University. She obtained her M.B.A. degree in accounting from the Keller Graduate School of Management in 2000 and became a Certified Public Accountant in 2001.
Francis Joseph McCaffery
Manager – Wilmington Office
fmccaffery@menke.com | (302) 884-6732
Fran McCaffery came to Menke & Associates, Inc. with 18 years of experience in Employee Benefit Plan administration. Mr. McCaffery manages the Wilmington, Delaware, office of Menke & Associates, Inc. Prior to joining Menke & Associates, Inc., Mr. McCaffery spent 18 years as a Team Leader and/or Manager of Plan Administration for Trustar Retirement Services in Wilmington, Delaware. Mr. McCaffery received his Bachelor of Science degree in accounting from Goldey-Beacom College in Wilmington, Delaware.
Jessica Quaday, QKA
Senior Benefits Consultant
JQuaday@menke.com | (920) 449-1085
Jessica Quaday is a Senior Benefits Consultant and has over 20 years of experience in the retirement plan industry. Prior to joining Menke & Associates, Inc. Ms. Quaday was the Director of Client Services at ESOP Partners in charge of the administration production team and client services relationship team ensuring overall client satisfaction as well as providing ESOP consulting services. Ms. Quaday has a wealth of ERISA knowledge in administering ESOP and 401(k) plans. Ms. Quaday is a member of The ESOP Association, The National Tax-deferred Savings Association, and the American Society of Pension Professionals & Actuaries. Ms. Quaday holds the credentials of Qualified 401(k) Administrator (QKA) and received a Bachelor of Science degree in Accounting.
BSI Plan Administrators
Edgar Calove
General Manager
edgar.calove@bsiesop.com | (702) 982-7811 ext. 105
General Manager Edgar D. Calove is Systems Coordinator and General Manager of BSI. Mr. Calove has been with BSI for over 35 years. He has contributed his considerable talent for organization to virtually every department serving as Accountant, Controller, Systems Specialist, Plan Administrator and most recently, General Manager. In addition to overseeing the general operation of the Company, Mr. Calove has overseen the migration of BSI’s proprietary ESOP administration and recordkeeping systems to a secure, fully integrated, web-based online system.
Zaldy A. Jucal
Senior Benefits Consultant
zaldy.jucal@bsiesop.com | (702) 982-7811 ext. 105
Zaldy A. Jucal has over 33 years experience in the field of accountancy. He joined BSI in 1998 as an accountant, working on trust reconciliation and analysis in both ESOP and 401K plans of the company. In 2008, Zaldy became an Administrative Consultant, and currently administers ESOP Plans. Prior to joining BSI, Zaldy was the Senior Accountant (1990 – 1998) for Pacific Wilshire, Inc. in Los Angeles, California. Between the years of 1981 and 1990, Zaldy worked for Producers Bank of the Philippines – Bacolod City initially as a bookkeeper and left the bank as acting controller. Mr. Jucal received his B.S. degree in Commerce – major in accounting from Colegio San Agustin – Bacolod, Philippines.
Maycel Livica
Senior Benefits Consultant
maycel.livica@bsiesop.com | (702) 982-7811 ext. 108
Maycel M. Livica has been working with BSI since 1998, initially as a trust accountant before becoming an administrator of various Employee Stock Ownership and 401(k) Plans. She has over 16 years of consulting and administrative experience in defined contribution plans. Prior to joining BSI, Ms. Livica worked as an accountant for Glaxo Wellcome Phils., Inc. and was an auditor for a public accounting firm. Ms. Livica holds a Bachelor of Science Degree in Accountancy and has passed the Certified Public Accountancy Licensure Examination in California.
Bernadette P. Sablay
Senior Benefits Consultant
bsablay@bsiesop.com
Bernadette P. Sablay has been working with BSI since 2018 as an administrator of various Employee Stock Ownership Plans. Before joining BSI, Bernadette worked as an Accounts Receivable Officer for Nestle Waters, Philippines, and held various accounting roles in Shell Shared Service Center in the Philippines from 2007 to 2018. Ms. Sablay received her Bachelor of Science in Accountancy degree from Pamantasan ng Lungsod ng Maynila (PLM) in 2001.
