Meet Our Team
With 16 retirement experts, including Consultants, Administrators, and Actuaries, we’ve built our reputation with our unwavering commitment to superior service and putting our clients first to help them meet their retirement goals.
Our Leadership
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Founder
Earle Gavin is the Founder of Pension Financial Services and established the firm in 1982. Earle 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, and a Member of the American Society of Pension Professionals and Actuaries (ASPPA).
Prior to founding Pension Financial Services, Earle served as Chairperson of the ASPPA Benefits Council of Atlanta. He is also a frequent keynote speaker at regional seminars throughout the Southeast and has participated as a panelist at national pension conferences.
Earle’s areas of expertise included actuarial services, qualified retirement plan consulting, plan design, and retirement plan administration.
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President
Don Flower is President of Pension Financial Services, where he oversees the daily operations of the firm. He joined the firm in 1989, and oversees the consulting and plan administration services delivered by the client servicing and consulting teams.
Don received a Bachelor of Business Administration degree in Actuarial Science from Georgia State University in 1985. He specializes in plan design and provides consulting on qualified plan compliance.
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VP of New Business & Compliance
Cheryl has spent over 30 years in the retirement planning industry. She joined Pension Financial Services (PFS) in 2020 as a Senior Pension Consultant and today serves as Vice President of New Business Development & Compliance. She specializes in plan design consultation, mergers and acquisition support, and navigating complex plan structures across 401(k), 403(b), 457(b), and governmental employer plans.
As an active member of the American Society of Pension Professionals & Actuaries (ASPPA), Cheryl holds the Qualified Pension Administrator (QPA), Qualified 401(k) Consultant (QKC), and Qualified 401(k) Administrator (QKA) designations.
Cheryl earned her Bachelor of Science in Mathematics with a minor in Computer Science from Regis University in Denver, Colorado.
Outside of work, Cheryl is an avid gardener with dreams of one day becoming a beekeeper.
Making Retirement Work for Everyone
We’re committed to delivering excellent service and a customized plan that will achieve your retirement objectives.
We are dedicated to exceeding our client’s expectations, so we invest in education and industry certifications for our employees. As a result, our reputation for service and accuracy is best-in-class. Our Administrators invest in every relationship we have with our clients and are focused on achieving the maximum results for them.
To learn more about who we serve, visit our pages for Employers and Trusted Partners.
