WHO IS FRM?

About Us

Fiduciary Risk Management serves as an advocate for both the Plan Sponsor and the Employees, to ensure their best interests remain the primary focus. We partner with Employers to create a team environment with their Employees so they may achieve a successful retirement future. While our name may state “Fiduciary” Risk Management, we believe that by developing the right team atmosphere with Employees, you are well on your way to effectively managing your risk. To us, being a Plan Fiduciary means more than simply complying with ERISA, it’s about doing the “right thing”, always. We consider ourselves pioneers in this new crusade to reform fiduciary standards of care and diligence.

We partner with our clients as a Co-fiduciary to ensure their retirement plans best meet the needs of the Company and their Employees. This means we are fully accountable for the services and guidance that we provide. We stand side by side with you and share in the liability associated with those practices. In addition, we minimize fiduciary liability exposure by providing customized, sophisticated fiduciary oversight. We operate in a completely conflict-free environment.

Our Parent Company

Habif, Arogeti, & Wynne (HA&W) was founded in 1952 and has grown to become the largest independent accounting and business advisory firm in Georgia, and one of the top 100 nationwide. HA&W brings over 55 years of accounting and advisory experience in all manners of industries and businesses. In addition to providing traditional accounting and tax services, the firm provides specialized services in the areas of: employee benefits, litigation support, valuation, and merger and acquisition consulting. HA&W has developed this new business unit to offer a more complete line of fiduciary and participant services to the marketplace.

Another HA&W Subsidiary

Tegra Financial Partners offers expertise as a TPA, administering over 850 retirement plans, as well as being a Registered Investment Adviser providing investment consulting and guidance services to ERISA plans nationwide. Tegra is one of the preeminent providers of these specialized services in Georgia.

Management

The Managing Director, Jessica Flores, is responsible for leading the team, managing collaboration efforts, developing the programs, providing Fiduciary Consulting Services, and the sales efforts. She brings 10 years of sophisticated research and industry expertise to the organization. Her unique background has enabled her to study and service the retirement plan industry from multiple perspectives and has had numerous engagements with large ERISA plans to provide fiduciary consulting.
The Director of Fiduciary Consulting, Bert Carmody CPA, CIMC, heads up FRM’s consulting services focusing on our comprehensive review, fiduciary exposure assessment and beneficial recommendations to our clients. Bert also serves as an expert witness, independent fiduciary and investment fiduciary. He brings over 30 years of retirement plan, investment oversight, trust and plan back office operations, systems/management consulting, and relationship management to the team for benefit of FRM’s clients. His varied background in diverse environments is an advantage in complex engagements.
The Director of Audit & Litigation Support, Barry Frankel, CPA, JD, CVA, CLU leads our diverse team of industry experts to provide complex legal support to plan fiduciaries and their ERISA legal team. He works with attorneys and their clients in case preparation, damages analysis, forensic accounting, business valuations, and strategy development. His services include expert testimony on financial topics, business valuations, damages, and related matters. His testimony experience includes commercial and domestic cases, and he has experience as both a mediator and an arbitrator. He is also actively involved in the development of business plans and strategies, and the negotiation of merger/acquisition transactions. He has received various specialized training, including coursework in business valuations and forensic accounting.
The Director of Education, Don Rice, is charged with leading our education division, development of our education program, and delivery of the education services. He brings aboard a fresh perspective to the employee education industry. Don comes to us as a former public school system IT professional and instructor with prior military active duty experience. He was a participant in the school system’s sponsored retirement plans and like most participants became uncomfortably aware of the disconnect between employees and retirement benefits. Don understands the need for cultural match-ups for education to be effective. His education and military background make him the perfect leader for this culturally diverse team that is charged with reaching both the most sophisticated and most challenging demographic groups that are most frequently ignored by other industry professionals.
The Client Service Coordinator, Christine Holubiak, will make sure that all the clients’ needs are met in a timely manner. Once our program is adopted, Christine will act as one of the main project contacts managing and coordinating project flow. She comes to us with a strong office management and project coordination background. Her experience, along with her true desire to offer superior support to our clients and their plan participants make Christine a perfect member of our team.