Management Team

H. EARLE GARVIN, E.A., M.A.A.A., M.S.P.A.
President, Pension Financial Services

Earle Garvin is President of Pension Financial Services, Inc. and has served in this capacity since the firm's beginning in 1982. He is a native of Atlanta, Georgia.

Mr. Garvin received a Master's Degree in Actuarial Science and a Master's Degree in Insurance from Georgia State University. He is an Enrolled Actuary, certified by the Joint Board for the Enrollment of Actuaries; a Member of the American Academy of Actuaries; a Member of the American Society of Pension Actuaries (ASPA); and a former Chairman of the American Society of Pension Actuaries Benefits Council of Atlanta. Mr. Garvin is also a member of Nationwide Financial's Partner Advisory Board, which provides advice and feedback on private-sector retirement plan initiatives. He is a featured speaker at many regional seminars throughout the Southeast and has served as a panel member at various national pension conferences.

CHRISTOPHER P. FLEMING
Principal and Vice-President, New Business, Pension Financial Services

Chris Fleming is a Principal and Vice-President of PFS and is responsible for developing new business in addition to managing the installation, consulting, and recordkeeping services performed by a team of professionally trained Pension Administrators and support personnel. Although the day-to-day plan administration activities are performed by the Pension Administrator, Mr. Fleming provides the technical support and supervision necessary to achieve the highest standards of qualified plan administration in accordance with I.R.S. and D.O.L regulations and to insure timely reporting.

Mr. Fleming has 15 years' experience in all aspects of plan administration, including plan design, installation, and regulatory compliance. His main area of concentration is defined contribution plans, in particular 401(k) plans and Employee Stock Ownership Plans. Mr. Fleming is currently enrolled in the American Society of Pension Actuaries (ASPA) certification program and is working towards the professional designation of Certified Pension Consultant (CPC).

DONALD J. FLOWER
Principal and Vice-President, Operations, Pension Financial Services

Don Flower is a Principal and Vice-President of PFS and is responsible for the firm's day-to-day operation. In addition, Mr. Flower directly supervises the consulting and plan administration services performed by the client servicing and consulting teams. Mr. Flower's areas of expertise are plan design and consulting on qualified plan compliance matters.

Mr. Flower graduated from Georgia State University in 1985 with a Bachelor of Business Administration degree in Actuarial Science. He has successfully completed several of the Society of Actuaries examinations. Mr. Flower is currently enrolled in the American Society of Pension Actuaries (ASPA) certification program. He has completed the Qualified Plan Administrator designation and is working towards the professional designation of Certified Pension Consultant (CPC).

JAMES W. ENGLAND
Principal and Vice-President Information Technology, Pension Financial Services

Jim England is a Principal and Vice-President of PFS and is responsible for the firm's sophisticated data and voice technologies. Mr. England developed and maintains our client/participant support system and manages our multi-server network and communications systems.

Mr. England earned a Bachelor of Science in Mathematics with a concentration in Computer Science from Georgia State University. He has over 35 years' data processing experience and has developed systems for pensions, trust accounting, general ledger, financial modeling, and process control as well as a complete relational data base system. Mr. England joined PFS in 1991.