BKS Retirement Services
BKS Retirement Services is a boutique retirement plan consulting firm comprised of industry experts who provide proactive, objective and independent consulting services.
Our consultants build upon their diverse backgrounds (legal/regulatory, administrative, cost management, investment advisory) to share a common understanding of retirement plans. We emphasize a team approach, enabling our principals to integrate their efforts across areas of specialization in an effort to produce the best results for our clients.
We pride ourselves on offering independent advice on industry best practices and emerging trends.
Comprehensive Retirement Plan Consulting
We serve as a proactive, independent resource for comprehensive retirement plan consulting using a team approach to integrate the multidisciplinary expertise of our principals.
Our comprehensive services include:
Investment Advisory Services
Advisory services are designed to assist a plan sponsor with its fiduciary obligation to select and continually monitor/assess retirement plan investments.
We acknowledge our fiduciary responsibility and status in providing this service. Investment advisory services may be provided in conjunction with our comprehensive retirement plan consulting services or as a stand-alone service.
Our investment advisory services include:
Executive Compensation Design, Analysis and Implementation
We assist our clients in the design, implementation and analysis of executive compensation arrangements. As with our other services, we believe that the provision of independent advice is essential to protecting the plan sponsor who establishes an executive compensation arrangement, the board members who approve the arrangement and the employees who participate in the arrangement.
Our Clearwater, FL Team
Roger Rovell serves as a Partner for BKS Retirement Group (formerly Fiduciary Partners). Prior to joining BKS-Partners, he was a practicing attorney for over 20 years and founding shareholder of Ward Rovell, a boutique law firm in Tampa, Florida, specializing in employee benefits and executive/deferred compensation. Mr. Rovell was selected by his peers for inclusion in The Best Lawyers in America® in the practice area of Employee Benefits/ERISA, (Copyright by Woodward/White, of Aiken, S.C.), was AV Preeminent rated by Martindale Hubbell Law Directory and included in Florida Super Lawyers Magazine for the practice area of Employee Benefits/ERISA. In his consulting practice, Mr. Rovell specializes in regulatory and fiduciary compliance issues and guides in the areas of fiduciary governance, process, and best practices. Roger has a law degree (Juris Doctor) from Stetson University College of Law and a Master of Laws (LL.M.) in Taxation from the University of Florida Levin College of Law.
Ken Jewell serves as a Partner for BKS Retirement Group (formerly Fiduciary Partners). Ken has more than 20 years of retirement plan consulting experience, including matters of fiduciary oversight, investment advisory and investment management issues, serving as an advisor for retirement plans across the country. He is an Investment Adviser Representative with the firm’s SEC Registered Investment Adviser. Ken has received formal training in fiduciary investment responsibility and earned the Accredited Investment Fiduciary® (AIF®) professional designation from Fi360. As a principal of BKS-Partners, Ken consults with for-profit and tax-exempt organizations on retirement plan investment advisory issues. Ken graduated from Old Dominion University, in Norfolk Virginia.
Mike Assaf serves as an Advisor for BKS Retirement Group. He has more than 30 years of benefits/executive compensation consulting experience and was a partner/national practice leader with Towers Perrin advising for-profit and tax-exempt organizations throughout the country. He is an Investment Adviser Representative with the firm’s SEC Registered Investment Adviser. As a consultant for BKS Retirement Group, Mike consults with for-profit and tax-exempt organizations on retirement plan regulatory and investment advisory issues.
Steve Gissiner serves as an Advisor for BKS Retirement Group. His career in diversified retirement plan administration and investment management spans more than 25 years, including serving as a partner in the benefits consulting practice of PricewaterhouseCoopers before transitioning to consulting for for-profit and tax-exempt organizations across the country on retirement plan design, administration, cost reduction initiatives, the proposals for service providers and investment advisory services. He is an Investment Adviser Representative with the firm’s SEC Registered Investment Adviser. Steve serves as an expert witness for the defense in several high profile excessive fee lawsuits. Steve has been quoted in various financial publications, including The Wall Street Journal, and has helped many retirement plan sponsors generate plan cost reductions. As a consultant for BKS Retirement Group, he consults with for-profit and tax-exempt organizations on improving the value of retirement plans through cost management strategies and investment advisory issues.
Our Jacksonville, FL Team
As a partner of Baldwin Krystyn Sherman Partners and Montoya Financial Strategies, Will Montoya, has over 27 years of experience in the employee benefits, wealth & risk management fields. Along with his colleagues, Will personally advises clients about the broad variety of benefits and executive compensation issues that can affect business performance and the bottom line.
Will began his investment career as a Registered Representative with Dean Witter Reynolds in 1985. He assisted individuals and corporations with their investment needs that included transactions in stocks, bonds, limited partnerships and mutual funds. By 1988, he had also obtained his commodities license. In 1990, Will launched his own business, Montoya Financial Services, which served companies and their owners/executives. Initially, he concentrated on investments, insurance, and financial planning. Before long, clients began asking Will to design and implement employee benefit packages that contained group health, dental, life, short and long-term disability, retirement plans and also provide comprehensive support for these packages.
He is a Qualifying Member of the Million Dollar Round Table, has been honored as a Chairman’s Council Producer for Lincoln National, and has held a Certified Life Underwriter (CLU) certification since 1991. Will’s licenses include: Series 6 (Investment Company Products/ Variable Contracts Limited Representative), Series 7 (General Securities Representative), Series 65 (Uniform Investment Adviser Law Exam), FINRA registrations, Life, Health & Variable Annuity, and 2-20 Property & Casualty or General Lines license. Will is also a Registered Representative with Kestra Investment Services, LLC and Investment Advisor Representative with Kestra Advisory Services, LLC.
Locally, Will is a proud graduate of the “Amazing” Leadership Jacksonville class of 2012. Governor Rick Scott appointed Will to serve on the State of Florida Environment Regulation Commission. He served on the Advisory Board of the Second Harvest Food Bank, and today Will continues to sit on the Seamark Ranch Board as the Development Chair and is the past President of the Ponte Vedra Beach Rotary. He enjoys traveling, fishing and gardening. He also stays active by competing in cycling. In 2012 and 2014 he finished in the top 4 in the State of Florida Senior Games for 50+ and qualified for Nationals.
With 18 years of professional experience, Trevor looks to helping his clients plan for their futures–and their families’ futures–as an honor, and responsibility which requires diligence. That means taking the time to understand his clients’ individual situations and goals thoroughly. Taking the necessary time to truly understand the client’s situation allows him to provide the most appropriate financial advice, which, in turn, builds the trust that is the foundation of every good relationship. As a CERTIFIED FINANCIAL PLANNER™ practitioner he believes staying current on industry, regulatory and tax law changes is part of a constant commitment to deliver on the duty he owes to his clients.
As a graduate of Florida State University, Trevor is also a member of the Financial Planning Association and the Financial Services Institute. Trevor is an active member of Hodges Blvd. Presbyterian Church and in his free time, he enjoys spending time with his family, coaching, and jogging.
As a partner and advisor, Chriss Spires brings his collective experience as a manager, owner, and entrepreneur to his individual and corporate clients. His background working with business owners and executives is well suited for guiding clients in developing cost-effective, customized employee benefits solutions.
Before becoming a partner of BKS-Partners, Chriss was partner and senior advisor of Montoya Financial Strategies (formally known as Montoya & Associates). Chriss holds a Life, Health, and Variable Annuity license, is recognized as a Certified Financial Education Instructor and is a registered representative with Kestra Investment Services, LLC.
Chriss is a native of Jacksonville, Florida and attended Baker University in Baldwin City, Kansas. He graduated in 1984 with a Bachelor of Science in Business Administration and was inducted as a member of the Blue Key National Honor Fraternity in the same year. Upon graduation, Chriss returned to Jacksonville and began his professional career which included positions in banking and mortgage lending.
Chriss has managed multi-state organizations, been involved in several start-up companies and served on the board of directors of a company he co-founded in 2001. His charitable efforts include a 10-year term on the board of a non-profit Montessori School as well as a leadership role in several professional associations. He is a youth coach with the Ponte Vedra Soccer Club, active in the YMCA Guides program, a member of Christ Church and involved in several local charitable organizations. Chriss resides in Ponte Vedra, Florida with his wife and their two children.
Jillian joined Baldwin Krystyn Sherman Partners in November of 2017 after moving to Florida from Colorado. As an Associate Advisor, she assists in designing employee benefit programs and tailoring retirement plans that appropriately suit the needs of her clients.
Growing up in an entrepreneurial family, she knows business owners like to take care of their employees like family. With this in mind, she has one clear goal—to provide her clients with the most thoughtful, personal, and results-oriented service possible. With a bachelor’s degree in Psychology and a Master’s degree in Public Health, she brings a unique perspective of physical, emotional, and financial health, and is excited to be a part of a team that provides the same holistic perspective to our clients.
Jillian’s licenses include Series 66 (Investment Advisor Representative), Series 7 (General Securities Representative), and the Florida 2-15 Health & Life (Including Annuities & Variable Contracts) Agent License.
She strives to be an ally for her community and volunteers regularly with her Rotaract group and Community Hospice and Palliative Care. She is the Vice President of the Northeast Florida Accounting & Financial Women’s Alliance (AFWA) and sits on the board of the North Florida Compensation and Benefits Association. One of her greatest passions is empowering females into the game of golf and is the President & Founder of The Ladies Executive Golf Society (#LEGS). In her free time, you can find her mountain biking, surfing, traveling, skiing, or reading insurance policies.
One fun fact about Jillian is that she was the first female Caddie at TPC Sawgrass.
Kevin Delvalle joined Baldwin Krystyn Sherman Partners in May of 2018. Kevin strives to continue with the company’s holistic approach to retirement planning, helping clients with a variety of unique financial needs. His goal is to work with individuals, their families, and their businesses to help them plan for the future, through providing customized retirement planning solutions.
Prior to working with Baldwin Krystyn Sherman Partners, he began his career with Merrill Lynch as a Financial Solutions Advisor in 2013 after graduating college. His primary focuses included helping clients with their retirement planning, education planning, and overall wealth management planning needs. While at Merrill Lynch, Kevin earned the CERTIFIED FINANCIAL PLANNER™ designation and holds the FINRA Series 7 (General Securities Representative) and Series 66 (Uniform Combined State Law Examination).
Kevin is a Jacksonville native and received his degree from the University of North Florida with a major in Finance. Kevin lives in Jacksonville Beach and enjoys golfing, surfing, watching Jaguar football, and spending time with family and friends.
Joe Malzacher joined BKS-Partners in 2018, through the firm’s acquisition of Montoya & Associates, bringing with him an extensive background in employee benefits and retirement plans. He’s held the Florida Life, Health, and Variable Annuity License since 2008 and his term as the President of the Jacksonville Association of Health Underwriters spans 2013-2015.
He lives in Ponte Vedra Beach with his wife and two sons where they are members of Our Lady Star of the Sea Catholic Church. Joe is actively involved in the community; he is currently the Vice President of the North Florida Compensation and Benefits Association, a Rotarian in the Ponte Vedra Beach Club, and some of the organizations he has spent time helping include BEAM, We Care, Dreams Come True and the United Way.
BKS Retirement Services is not engaged in the practice of of law or accounting.
Third-party rankings and recognition from rating services or publications are no guarantee of future investment success. Working with a highly-rated adviser does not ensure that a client or prospect will achieve a higher level of performance. A more thorough disclosure of the criteria used in making these rankings is available by contacting the
Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Montoya Financial Strategies and BKS Retirement are not affiliated with Kestra IS or Kestra AS.
BKS Retirement Services is registered as an investment adviser with the SEC. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability.