Why Our Team

Why Our Team

Each member of our team has been fully vetted to ensure they have expertise and experience in maneuvering through the challenges federal employees face in achieving the retirement of their dreams. As your guide, a team member can walk you through each step of the process — eliminating the headaches of filling out government forms, analyzing options, and securing your retirement income.

You’ve given years of service, so now, how can we be of service to you?

 

Bill Merecki

William J. Merecki

Federal Benefits Consultant

Phone: (586) 907-2275
Fax: (248) 592-7876
Territory Location: Midwest

William J. Merecki

William Merecki is a Federal Benefits Consultant and founder of The Federal Benefits Group, providing federal employees information regarding their unique benefits. In Bill’s eight years working exclusively with federal and postal employees, there was often little support from OPM and Shared Services. Recognizing a need and knowing clients can save time and money when navigating the federal retirement process, Bill has been honored to assist federal employees with understanding their benefits and developing a strategy that allows them to retire with ease.

Bill has an Accounting degree from Central Michigan University and uses his proficiency with numbers and years of retirement planning experience to serve federal employees in the Midwest region to achieve the retirement of their dreams.

He spends quality time traveling with his wife, Shawna, and son, Jameson, as well as cooking on his BBQ smoker, playing poker or Euchre, and watching and playing sports.


 
 
 

 

Jeff Winter

Jeffrey Winter

Director of Risk Management

Phone: (248) 705-1582

Toll Free: (833) 566-5775

Territory Location: Arizona, Colorado, Nevada

Jeffrey Winter

As co-founder of The Federal Benefits Group and Director of Risk Management, Jeffrey Winter provides customized and personalized financial planning for federal employees at all stages and income levels. Through his comprehensive, process-oriented, and relationship-based approach, hundreds of clients have been able to achieve their retirement goals.

Jeffrey has been a licensed investment advisor since 2009 and works with clients in Arizona, Colorado, and Nevada. He is also a loving husband to wife, Charlee, and father to one son and five daughters. He enjoys traveling, working out, and is a lifelong musician.


 
 
 

 

Lacie Harmon

Lacie Harmon

Benefits/Retirement Counselor

Phone: (818) 370-6490

CA Insurance License: #0E55837

Territory Location: Los Angeles, California

Lacie Harmon

Lacie Harmon is a Benefits/Retirement Counselor whose love for details led her to helping federal and postal employees dot every i and cross every t when navigating the often-complicated process of federal retirement planning. As an advocate for the working man or woman, Lacie is honored to use her extensive knowledge of financial products to assist federal employees in achieving a hassle-free retirement, capitalizing on upside potential and minimizing loss of principal.

Lacie is happily married and considers any day filled with laughter, nature, and podcasts about federal retirement, a good one.


 
 
 

 

Tom Scuccimarra

Thomas Scuccimarra

Federal Benefits Advisor

Phone: (310) 386-1434

Territory: New Jersey

Thomas Scuccimarra

Thomas Scuccimarra is a registered investment advisor and Federal Benefits Advisor who specializes in federal employee benefits and retirement planning. With over 20 years of experience, Tom offers a full spectrum of financial solutions to help federal employees find ideal solutions for achieving their investment and retirement goals.

A retired Naval Officer, Tom uses his former career as the basis for his disciplined, analytical approach to navigating the federal employee retirement landscape and optimizing his clients’ benefits.

In their spare time, Tom and his wife, Louise, like to hike, ski, travel, and dedicate time to the “Guard-a-Heart” non-profit organization.


 
 
 

 

Kurt Cohn

Kurt Cohn

Benefits Coordinator

Phone: (708) 466-8587

Territory Location: Chicago, Illinois

Kurt Cohn

Kurt Cohn, Benefits Coordinator for The Federal Benefits Group, has helped many clients over the years with life, health, home, auto and disability insurance as well as Medicare supplements and long-term care. Kurt has also worked with financial products including Series 6 securities and prepaid legal.

Kurt believes in going above and beyond for the federal employee clients he works with and has received several awards, including NALU’s National Quality Award, Combined Insurance’s WCS and Gold Star Awards for quality service and underwriting. He is ACA Certified to work with individual and businesses on health insurance. Kurt is also certified as a Field Trainer and Broker Representative with Combined Insurance and appointed Regional Manager for Employee Benefits with Castle Insurance Group.

Additional interests include his company, KMC Production. He’s performed with many legendary acts including The Temptations, The Drifters, The Platters, Bobby Vinton, and more. He continues to perform sold out shows in his spare time.

 

 
 
 

 

Angelo Berretta

Angelo Berretta

Federal Benefits Consultant

Phone: (609) 658-1732

Fax: (609) 737-0848

Territory Location: Philadelphia-New Jersey

Angelo Berretta

A Federal Benefits Consultant with The Federal Benefits Group, Angelo Berretta brings expertise in insurance, retirement income, and estate and elder planning. He is passionate about providing financial education and has led seminars in the tri-state area on various retirement-related topics.

A member of several financial planning organizations as well as local community groups, Angelo provides relevant retirement planning solutions and remains committed to serving federal employees in achieving their financial goals.

Since 1982, Angelo has been a resident of Mercer County, NJ and currently lives with his family in Hopewell Township.

 

 
 
 

 

Edward Hyatt

Edward Hyatt, CPA

Federal Benefits Consultant

Phone: (443) 570-8848

Fax: (609) 737-0848

Territory Location: Baltimore, Maryland

Edward Hyatt, CPA

Edward Hyatt brings over 30 years of experience as a financial advisor and certified public accountant, working with a national auditing and consulting firms. His broad knowledge of taxation adds another layer of expertise for The Federal Benefits Group and is an asset to his federal employee clients.

Edward specializes in helping federal employees in Baltimore, Maryland navigate the retirement planning process. His business model is built on a foundation of strong customer service and client relationships.

Edward lives in Maryland with his wife and miniature poodle. They spend as many hours as possible visiting kids, grandkids, and granddogs.

 

 
 
 

 

Lazarus Martin

Federal Benefits Territory Manager

Phone: (786) 333-9010

Fax: (786) 509-7505

Territory Location: Miami, Florida

Lazarus Martin

Lazarus Martin is a Federal Benefits Territory Manager who specializes in helping postal employees and those in other government agencies optimize their federal retirement benefits. He’s been honored to assist his clients in taking charge of their financial destinies and creating a legacy of wealth for their families.

Lazarus has earned numerous awards and become a sought-after speaker in agencies, churches, and business events all over Miami Dade County. However, some of his greatest achievements have been creating employee benefit packages that included Group Benefits, Tax Efficient and Conservative Investments, and Income Protection Strategies. He also conducts numerous community seminars and informational sessions on retirement planning, which provide government employees solutions for achieving a happy and healthy retirement.

Lazarus serves on two Advisory Boards and operates a Marriage Ministry with his wife as an Ordained Minister in the state of Florida. He also enjoys audio books, anime, and going to the zoo with his wife and three children.

 

 
 
 

 

Hayward Sawyer

Hayward Sawyer

Federal Benefits Consultant

Phone: (208) 401-9535

Territory Location: Boise, Idaho

Hayward Sawyer

Since his separation as an officer in the United States Marine Corps, Hayward Sawyer has focused on the financial services markets. He has a wide breadth of knowledge and experience managing highly complicated business transactions globally, including significant investment opportunities. As a Federal Benefits Consultant, he draws on his high level of expertise in these areas to deliver effective retirement planning strategies to his clients.

Hayward’s time in the military and roles in numerous organizations, such as the United States Marine Corps Scholarship Foundation and R4 Alliance, speak to his service focus.  In his work with federal employee clients, he applies that mindset in helping them analyze their retirement options, make important decisions, manage risk, and avoid costly mistakes as they work to achieve the retirement they deserve.

 

 

Dawn Davis

Dawn Davis

Federal Benefits Retirement Specialist

Phone: (313) 451-5051
Territory Location: Detroit, Michigan

Dawn Davis

Dawn Davis is a Benefits/Retirement Consultant with a personal approach in helping clients achieving their benefit/retirement goals.  She has experience in working with Postal & Federal Employees sharing the information they need to make wise financial decisions. With over 20 years of benefits and retirement planning; Dawn has helped people with many different financial situations navigate through their benefits and retirement decision making.

While helping hard working people are a passion, Dawn also enjoys spending time with family and friends along with exercising and traveling.


 

Carlos Woodruff

Carlos Woodruff, CFP®

Federal Benefits Consultant

Phone: (800) 364 – 8516
Territory Location: Northern Florida

Carlos Woodruff, CFP®

Carlos Woodruff has been in the Financial Services Industry since 1997 and he is a Federal Benefits Consultant with The Federal Benefits Group. Carlos has a Series 66 Investment Advisor Representative license and he is also a Certified Financial Planner™.

He specializes in helping Federal Employees with insurance, investments, and retirement planning. As an advocate for his clients, Carlos spends most of his time educating Federal Employees about their benefits and retirement strategies so that they can be informed and empowered to make good financial decisions for themselves and their families.

Over the last 22 years Carlos has helped hundreds of individuals and families reach their financial goals and have peace of mind and confidence in their financial plans.

Carlos grew up in Orlando and has lived in the Central Florida area all of his life. He enjoys traveling as well as spending time with his family and friends during his spare time. He also enjoys mentoring local youth and is always looking for opportunities to help and give back to the community.

 
 

The Federal Benefits Group is not affiliated or associated with any federal, state, or local government or municipality. We are an independent firm designed to help federal employees better understand their benefits.
©Copyright The Federal Benefits Group 2019