Retirement Strategies Group

 

In addition to ongoing service through your Pacific Life consultative wholesaler, financial professionals are encouraged to take advantage of our Retirement Strategies Group. This special team is composed of subject-matter specialists with advanced degrees and designations.

The Retirement Strategies Group is available to meet with you personally, speak at client seminars and meetings, and consult with you by phone. 

The team regularly addresses topics such as:  

  • Beneficiary planning
  • Estate planning
  • Financial planning for the small-business owner
  • IRA rollovers
  • Planning for healthcare expenses
  • Retirement income strategies
  • Social Security income planning
  • Tax planning

Contact the Retirement Strategies Group

Phone: (800) 722-2333, ext. 3939
Email: RSG@PacificLife.com

 

Field Team Members

The Retirement Strategies Group team members in the field are available to meet with you personally as well as speak at client seminars and meetings.

 

Reed J. Lloyd

Field Vice President, Retirement Strategies Group

CRC®, CRPS®

Reed is a Field Vice President at Pacific Life and oversees the field team of the Retirement Strategies Group. He has more than 20 years of industry experience with a focus on retirement income planning, as well as small-business retirement plans. Immediately prior to his current position, Reed served as Assistant Vice President of the Advanced Marketing Group.

 

Michelle P. O'Haren

Senior Retirement Strategies Group Consultant

JD, LLM, CPA, CFP®, ChFC®

Michelle is a Senior Retirement Strategies Group Consultant with more than 25 years of industry experience in the areas of financial planning and wealth management. She began her career in the tax department of KPMG before running financial-planning groups for two major insurance companies. She has also had advanced planning and education roles with a broker/dealer firm and financial services firm.

James B. Schomburg

Senior Retirement Strategies Group Consultant

JD, LLM, MSFS®, CFP®, RICP®

Jim is a Senior Retirement Strategies Group Consultant with more than 20 years of industry experience. Prior to his current position, he worked as an advanced marketing attorney for other insurance and wealth-management firms. He began his financial services career in the private practice of law, focusing on estate planning and administration as well as family and real estate law.

Susan Wood

Senior Retirement Strategies Group Consultant

JD, CFP®, CRC®

Susan is a Senior Retirement Strategies Group Consultant with more than 25 years of industry experience, including financial planning and wealth management. She has worked in a private planning firm, a joint venture with a trust company, broker/dealer firms, and financial services companies. She has provided continuing education to both financial and legal professionals.

 

Home Office Team Members

Retirement Strategies Group home office team members are ready to consult with you by phone or email.

 

Chin Kim

Assistant Vice President, Retirement Strategies Group

CFA®, CLU®, ChFC®, FLMI®

  • 20 years of industry experience.
  • Responsible for the research and development of advanced marketing concepts, and oversees the Retirement Strategies Group.

Gary Pence

Manager, Retirement Strategies Group

CLU®, ChFC®

  • 20 years of industry experience.
  • Specialties include TSA/403(b) plans and planning strategies for Social Security benefits.
 

Steve Chmelka

Senior Retirement Strategies Consultant

CRC®

  • 25 years of industry experience.
  • Specialties include SIMPLE IRAs, SEP-IRAs, and Individual(k)s. 

Caroline M. Elrod

Retirement Strategies Consultant

JD

  • Five years of industry experience.
  • Specialties include charitable planning and contract structuring.

Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. 

Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company (Newport Beach, CA) and an affiliate of Pacific Life & Annuity Company. Variable and fixed annuity products are available through licensed third parties.

No bank guarantee • Not a deposit • Not FDIC/NCUA insured • May lose value • Not insured by any federal government agency