TODD KEPHART is Vice President and Portfolio Manager at Retirement Income Solutions, a Registered Investment Advisor. Previously he spent 14 years at TIAA-CREF, most recently as a Senior Wealth Management Advisor. Mr. Kephart earned a B.S. in Accounting from Lehigh University and an MBA from the University of Michigan. In addition, Mr. Kephart also holds the following professional designations: Certified Financial Planner, Chartered Financial Consultant, Chartered Life Underwriter, Chartered Mutual Fund Counselor, and Chartered Retired Planning Counselor. He has appeared on local radio and television programs as a subject matter expert. Term ends January 1, 2014.