About Us

Creative Pension Consultants, Inc. has been providing full-service employer sponsored retirement plan administration and consulting since 1989. Creative Pension Consultants, Inc. assists employers in the design, implementation, administration and communication of a wide range of retirement plans. We are committed to providing these services to our clients in a timely, accurate and cost-effective manner.

Our benefit professionals are dedicated to helping employers implement retirement plans that promote corporate goals and objectives, control costs and give employees a sense of security.

Creative Pension Consultants, Inc. takes the confusion out of plan administration duties and decision making by providing our clients with the consulting and technical expertise they need. We are committed to maintaining effective state-of-the-art computer systems and applications for administrative procedures which permits us to process our clients work more efficiently and ensures the highest standards of quality.

Our People

Creative Pension Consultants, Inc.’s greatest resource is its team of experienced professionals. Our clients are served by employees who have professional qualifications and whose backgrounds include many years of experience in the pension and retirement field. They are committed to providing our clients with friendly, courteous and responsive personalized service of superior quality.

In addition to the administration and consulting on client benefit plans, Karl is also responsible for plan design consulting and marketing strategies. He joined Creative Pension Consultants, Inc. in 2005 with over 10 years of extensive experience in plan administration.

Karl has a BA in Mathematics from LeMoyne College in Syracuse, and has been awarded the Certified Pension Consultant (CPC), Tax Exempt & Government Plan Consultant (TGPC), Qualified Plan Administrator (QPA) and Qualified 401(k) Administrator (QKA) designations by the American Society of Pension Professionals and Actuaries for demonstrating excellence in the field of pension administration. He has also earned the Enrolled Retirement Plan Agent (ERPA) designation from the Internal Revenue Service.

Karl is a member of the Colonie-Guilderland Rotary Club and a member of American Mensa.

Jerry’s responsibilities include administration and consulting on client benefit plans, consulting on plan design, and assisting clients in complying with the ever-changing pension laws. Jerry joined Creative Pension Consultants, Inc. in 1997 with extensive experience in accounting and plan administration.

Jerry obtained his BS in Accounting from the State University of New York at Plattsburgh. Jerry is also a Certified Public Accountant. Jerry has been awarded the Qualified Plan Administrator (QPA) and Qualified 401(k) Administrator (QKA) designation by the American Society of Pension Professionals and Actuaries for demonstrating excellence in the field of pension administration.

Jerry is a member of the Knights of Columbus.

John is the founder of Creative Pension Consultants, Inc., and is a Certified Public Accountant with more than 30 years of experience. John’s primary responsibility is to consult regarding defined benefit plan design issues and calculations.

John graduated from Pace University in New York, NY with a BBA degree in Public Accountancy in 1972. John became a Certified Public Accountant in 1978. He has been awarded the designations of Certified Pension Consultant (CPC) and Tax Exempt & Governmental Plan Consultant (TGPC), among others, by the American Society of Pension Professionals and Actuaries.

Lori's responsibilities include plan conversions, takeover plans, plan administration, systems development, and other special projects. Lori joined Creative Pension Consultants, Inc. in 1999 with extensive experience in plan administration.

Lori obtained her BS in Mathematics from the State University of New York at Potsdam and has been awarded the Qualified 401(k) Consultant (QKC) and Qualified 401(k) Administrator (QKA) designations by the American Society of Pension Professionals and Actuaries for demonstrating excellence in the field of pension administration.

Denise joined Creative Pension Consultants, Inc. in 2007. Due to her dedication to clients and her growth as a team member, she was promoted to Client Manager in 2025. She is directly involved with all aspects of participant recordkeeping, distribution and loan processing, compliance testing, and systems development.

Denise obtained her AS in Business Administration from Hudson Valley Community College in Troy, NY, and her BS in Accounting from Siena College in Loudonville, NY. She has been awarded the Qualified 401(k) Administrator (QKA) designation from the American Society of Pension Professionals and Actuaries.

Laraine’s responsibilities include the administration and consulting on client benefit plans. She is directly involved with all aspects of participant recordkeeping, distribution and loan processing, and compliance testing. Laraine joined Creative Pension Consultants, Inc. in 1996 with extensive experience in plan administration.

Laraine obtained her BBA in Accounting from Siena College, Loudonville, NY. She has been awarded the Qualified Plan Administrator (QPA) designation by the American Society of Pension Professionals and Actuaries for demonstrating excellence in the field of pension administration. She has also earned the Enrolled Retirement Plan Agent (ERPA) designation from the Internal Revenue Service.

Laraine is a volunteer with the Girl Scouts of Northeastern New York.

Teresa joined Creative Pension Consultants, Inc. in 2023 with over 20 years of pension administration experience. Working directly with the Client Managers, she is responsible for the day-to-day administration, compliance testing, and processing of client benefit plans.

Teresa obtained her BS in Business from Brigham Young University and MBA in Applied Actuarial Math from Bryant University.

Kim's responsibilities include the day-to-day operations of plans using the Nationwide Best of America retirement plan products. She is directly involved with all aspects of participant recordkeeping, distributions, and loan processing. Kim joined Creative Pension Consultants, Inc. in 2000 with extensive experience in operation of daily valued plans.

Kim is a graduate of Colonie Central High School, and has earned her Retirement Plan Fundamentals certificate from the American Society of Pension Professionals and Actuaries.

Scott joined Creative Pension Consultants, Inc. in 2023 with over 16 years of pension administration experience. Working directly with the Client Managers, he is responsible for the day-to-day administration, compliance testing, and processing of client benefit plans.

Scott obtained his BS in Accounting from Rochester Institute of Technology and has been awarded the Qualified 401(k) Administrator (QKA) designation by the American Society of Pension Professionals and Actuaries for demonstrating excellence in the field of pension administration.

Designations Earned by Our Staff:

Most photographs by Joan Heffler Photography

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