Default company panoramic image
4fbd83d7 71c5 4055 8999 ea950099eb9c

Retirement Benefit Solutions, LLC

RBS owns a patented system that calculates how a pension or trust can bridge unfunded liability through a new asset class - life insurance.

  • Stage Full Product Ready
  • Industry Financial Services
  • Location Traverse City, MI, USA
  • Currency USD
  • Employees 5
  • Website

Company Summary

Through our proprietary, patented software, Epiphany, we create a new asset class in Life Insurance. Any large population facing a significant future liability can retire the obligation more efficiently and with greater predictability using life insurance as opposed to traditional market investing. We can repair public and private pensions, help non-profits fund their future and do so in a very economical and customized manner.


  • Default avatar
    Patrick J Elshaw

    Pat has an Economics Degree from the University of Illinois. He has been in the insurance industry for 12 years, prior to that, he worked for the Illinois Hospital Association overseeing $7 billion in Medicaid budgets. He also worked in a large Chicago hospital where he supervised a $350 million outpatient budget. The idea of using life insurance as a vehicle to retire large liabilities, and incorporating actuarial tables into a computer progr

  • Default avatar
    Amy Chambers
    Executive Vice President, Chief Legal Officer

    Amy has worked in the employee benefits industry for nearly 15 years. She started as an underwriter, became an ERISA attorney at a Michigan law firm, and rose to become Associate General Counsel and Vice President at a large Midwest health insurer. She was awarded the prestigious "Thought Leaders in the Law" award by the Grand Rapids Business Review in 2010. She holds a law degree from Univ. of Michigan, and a bachelor's from Univ. of Chicago.

  • Default avatar
    Tim Heger
    Chief Information Officer

    Tim is the designer and architect of our proprietary and patented software, Epiphany. Tim has an extensive career in information technology, over the last 20 years he has worked on projects for Harley Davidson, Kohl's, Warner Brothers and others. He was involved in the start up of Blue Martini in San Mateo, CA, and owns The Heger Group, specializing in project management on high volume high traffic web enabled infrastructures.

  • Default avatar
    Kevin T. Byrne
    Chief Financial Officer

    Kevin brings a broad array of experience to the business. His background includes 13 years in retail management, 13 years in the Coca Cola system in various sales and senior management positions, and is currently in the finance industry, holding both a Series 7 and a Series 66 licenses. He also has worked as a turn-around manger in other industries, leading to the sale of struggling businesses.

  • Default avatar
    David Kaplan
    Vice President - Business Development

    Dave has been the property & casualty commercial lines manger for Fitzmaurice - Garvin Agency for 8 years, and is also a principal in the firm. Prior to joining Fitzmaurice - Garvin, Dave served for over 12 years in the Traverse City Police Department, reaching the level of detective in his service. Dave holds a BS in Criminal Justice from Ferris State University.