Jim Hess, FSA – Principal and Consulting Actuary
Jim Hess, a Fellow of the Society of Actuaries and a member of the American Academy of Actuaries, assists large corporations, high net worth individuals, and life insurance companies in dealing with various matters related to the design, implementation and administration of life insurance plans. Jim also serves as an expert witness in disputes involving COLI.

Charlie Morgan, CLU – Principal and Attorney
Charlie Morgan, a Member of the Bar in New Jersey, Massachusetts, and Texas, assists large corporations, high net worth individuals, and life insurance companies in dealing with various matters related to the design and implementation of life insurance plans. Charlie also assists employers with their ERISA and non-ERISA employee benefit plans. Charlie is available as an expert witness in disputes involving employee benefit plans and COLI.

Aimee Viola, ASA – Principal and Consulting Actuary
Aimee Viola, an Associate in the Society of Actuaries and a Fellow in the Conference of Consulting Actuaries, advises large corporations, high net worth individuals, and life insurance companies on all aspects of corporate-sponsored life insurance programs, including the analysis, negotiation, implementation and ongoing administration of such programs.

John Balaban – Senior Vice President, Client Relations
John Balaban, a Certified Employee Benefits Specialist, is an expert in the administration of COLI, BOLI and TOLI programs. He is also an experienced benefits consultant in the areas of pension and health and welfare plans.