Financial Institutions offering
retirement planning services
face significant penalties for
non-compliance of federal
regulations. Are you at risk? Find
out how well you really know your
Qualified Retirement Plan Business.


Qualified Retirement Planning service for your institution.

With over 60 years of experience in the industry, our firm helps you to identify, measure and grow your Qualified Retirement Plan business and stay on top of continually changing regulations.

About Us

Retirement Plan Advisory Services provides expertise and outsourcing services to Financial Institutions for their retirement plan business. RPAS offers a menu of retirement business services including marketing, servicing, documentation, procedures, standardization, education and customer service support. Our broad retirement plan business experience can be tailored to meet your organization's needs.

Our firm brings over 60 years of experience in the Qualified Retirement Plan industry, offering the resources and vast knowledge base your organization needs to make your retirement plan business profitable.

Email us at for a free Disclosure Action Plan!

Meet our team members:

Michael E. Callahan, EA, CPC, FSPA, MAAA

MichaelCallahanMichael is an accomplished Executive, Business Owner, and a Fellow in the American Society of Pension Professionals and Actuaries. Throughout his career, Michael provided specialized services for the retirement industry in the U.S. His expertise has improved the flow of processes for pension and retirement plans for insurance companies, financial institutions, and individuals. He is also a member of the American Academy of Actuaries, Financial Services Institute and Retirement Income Industry Association.

Michael previously owned and consulted at Pentec, Inc. and Pentec Capital Management Inc., a wholly owned subsidiary of United Retirement Plan Consultants Inc. Today, he is an active partner of Fee Disclosure Advisory Services, LLC, and frequently speaks on pensions and retirement plans. Michael also provided expert witness testimony to the Pension Advisory Council of the Department of Labor, House Ways and Means Committee, Senate Finance Committee, and Internal Revenue Service.

Career Highlights

  • Founder and former Senior Consultant at Pentec, Inc. and Pentec Capital Management, Inc.
  • Co-founder–National Pension Alliance, LLC–Developed an innovative concept for defined contribution plan record-keeping.


  • Co-Authored–Defined Benefit Answer Book–Panel Publishers
  • Co-Authored–CPA Guide to Retirement Plans for SMB
  • Authored-A Dad's Guide to His Son's Life's Journey

Boards & Memberships

  • President–Edu4Retirement, Inc.–The nation’s most comprehensive education program regarding retirement.
  • Past President of the American Society of Pension Professionals and Actuaries
  • Enrolled Actuary • Fellow-American Society of Pension Professionals and Actuaries • 1st Chair of Political Action Committee for ASPA • Certified Pension Consultant
  • Former Member of the Social Insurance Committee for the American Academy of Actuaries
  • Former Co-Chair (9 years) at IRS NE Region Employee Benefits Conference & Speaker

Michael R. Ingenito, CEBS, QPA, AIF, FLMI

IngenitoMichael is a seasoned industry expert and represented Fortune 500 Companies throughout his career. He specializes in providing comprehensive solutions for qualified retirement plans, including plan design, compliance, and administration. Through a unique consultative approach combined with the use of industry best practices, skills, and knowledge, Michael is equipped to support the demands of the new fee disclosure regulations. His specialties include:

Consulting • Investment Analysis • Broker Services • Sales and Sales Support • System Design • Administration • Plan Design • Recordkeeping • Regulatory Compliance • Research and Analysis

Prior to Mercer. In those institutions, he served in a variety of roles related to the retirement plan arena that included consulting, plan design, compliance, sales systems administration, and third party administration. Michael’s diverse work experience consists of a wide range of retirement plan competencies that make him an expert in his field.

Michael holds the following professional designations:

  • Qualified Pension Administrator (QPA)
  • Fellow, Life Management Institute (FLMI)
  • Certified Employee Benefits Specialist (CEBS)
  • Accredited Investment Fiduciary (AIF)

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