Employer Retirement Plans Team

The Employer Retirement Plans Team at Sage Financial includes several of our valued qualified professionals with experience working with employers on Qualified Plans, such as 401k’s, 403b’s and 457 plans. Our team has experience working with employers to design a workplace retirement plan that fits the diverse needs of their organization and the employees. By implementing thoughtful plan features which can help employers work toward their strategic goals and drive employees toward financial security.

We also work with smaller employer groups’ retirement needs including Simple IRA, Solo 401k and Sep IRA’s. Our team is dedicated to exceptional service by educating the employees to help them understand their plans, benefits and rules.

Michelle Lyman leads the team with 20 years of experience working with Employers’ Qualified plans. She has knowledge of the market, including the different plan vendors and Third-Party Administrators to assist employers on finding the plan design, support model and investment approach that will best meet their goals and needs. Michelle also is diligent about assisting employers in their responsibility to do annual plan reviews and leads the team in conducting these reviews to meet their requirements and optimize plan results.

Gerard Colistra has 34 years of experience working with 401k plans, both as a rep and a consultant. Through those years he has worked with employers as their business has grown, added locations and supporting corporate name changes. His work has allowed him to engage with hundreds of employee participants, raising the level of participation significantly through employee education sessions and enrollment support.

Scott Ferguson has 30 years of experience in the Qualified Plan marketplace as well as in Defined Benefits. Plan sizes range from 10-150 employees. In addition to DB, 401k & 403B plans he has worked with smaller group plans such as SEP’s & SIMPLE IRA’s. Participant education has been a primary focus that has driven Scott’s success in working with numerous employers over the years.

Mark Davidson is excited to join the Sage Employer Retirement Plan Team as he affiliates with Sage Financial Associates. Mark has worked with small businesses throughout his career, first working with banking organizations, and in more recent years as an independent financial advisor. Mark notes that small businesses and other non-profit sector employers are the backbone of our region’s communities, large and small, such as his hometown of Canajoharie.

Krisana Victor supports the employers’ plans and their participants lending administrative support for new enrollments, supporting participant education meetings, and fielding questions. Krisana is a registered support associate who brings a positive outlook to each client inquiry and service request.

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