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News & Views | Q 2020 Page 4 of 4

About NFP

NFP is a leading insurance broker and consultant that provides employee benefits, specialized property and casualty,
retirement, and individual private client solutions through our licensed subsidiaries and affiliates. Our expertise is
matched by our commitment to each client’s goals and is enhanced by our investments in innovative technologies in
the insurance brokerage and consulting space.

NFP has more than 5,800 employees and global capabilities. Our expansive reach gives us access to highly rated
insurers, vendors and financial institutions in the industry, while our locally based employees tailor each solution to
meet our clients’ needs. We’ve become one of the largest insurance brokerage, consulting and wealth management
firms by building enduring relationships with our clients and helping them realize their goals.
For more information, visit nfp.com.

NFP GOVERNMENTAL RETIREMENT PLAN EXPERTISE

Bill Tugaw is the governmental plan practice leader for NFP. He has assisted public sector employers in
meeting the fiduciary obligations associated with operating their plans for more than 30 years. Bill is a
faculty instructor for the International Foundation of Employee Benefit Plans (IFEBP) on public sector
457(b), 401(a) and 403(b) plans. Bill is frequently invited to lecture on employee benefits, post-employment
health plan options, requests for disclosure and requests for proposals. Bill is co-author of two books:
Deferred Compensation / Defined Contribution: New Rules / New Game for Public and Private Plans, and Defined
Contribution Decisions: The Education Challenge.

bill.tugaw@nfp.com | P: 650.888.8983

Barbara A. Healy is a Margaret Pierce is a Mindy Harris is a
governmental practice governmental practice governmental practice
leader affiliated with NFP leader responsible for new leader that advises on best
Retirement/SST Benefits business and client retention practices and industry trends
Consulting and works with for NFP’s Governmental for plan administration
public sector and non-profit and non-profit practices. and development, and
educational institutions. Margaret provides over provides legislative and

She has over 35 years experience exclusively 20 years of experience in the retirement best practices education to clients. Mindy
assisting public sector plans, school districts, industry working at Smith Barney, TIAA and works with record keepers in her clients’ plans
credit unions and other non-profits with their American Century Investments before joining to establish and manage performance
retirement and pension plans. Barbara has NFP. Margaret earned her Bachelor of Science standards for plan services, providing
earned an MBA degree in finance from DePaul from Boston University and her MBA from the reports and advice to clients about their
University. She passed the CFP® designation University of Massachusetts-Amherst. She record keepers’ work towards meeting the
from the College of Financial Planning, the passed the Accredited Investment Fiduciary performance standards. Mindy graduated
Certified Funds Specialist designation, the Auditor (AIFA) and Certified Financial Planner from Portland State University with a Bachelor
Chartered Mutual Fund Specialist designation, (CFP®) designations. of Science degree in business administration,
the Certified Retirement Administrator concentrating in financial management
designation, and the ASPPA TGPC designation and accounting. Mindy also passed her
and the AIF designations. CRC and CRA designations from InFRE.

This material was created to provide accurate and reliable information on the subjects covered but should not be
regarded as a complete analysis of these subjects. It is not intended to provide specific legal, tax or other professional
advice. The services of an appropriate professional should be sought regarding your individual situation.
Securities may be offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services
offered through NFP Retirement, Inc. Kestra IS is not affiliated with NFP Retirement, Inc. Investor Disclosures here.
NFPR-2021-12 ACR# 3415566 01/21