Jo-Ann joined Stephen H. Rosen & Associates, Inc. as a member of the Executive staff in 2007 due to the merger of her pension firm which was located in our area. With over 20 years of experience as an actuarial consultant, Jo-Ann has achieved the professional designations of Certified Pension Consultant (CPC), Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU). She is a member of the American Society of Pension Actuaries, Past President of the ASPPA Benefits Council of the Delaware Valley and continues to serve as a board member. Jo-Ann has taught employee benefit courses at various colleges and professional organization meetings.Prior to joining our company, Jo-Ann was the President and Owner of Benefit Dynamics, Inc., a national employee benefit consulting firm, which functioned as a total benefits advisor to employers offering services for Retirement Plan Design & Administration, Section 125 Flexible Benefit Plans, Transportation Fringe Benefit Plans and Group Health and Individual Insurance Programs.In addition to the duties as a Principal of the firm, she lends her technical expertise to design and compliance work for qualified retirement plans and flexible benefit plans. Most of her time is spent in marketing development and consultation with clients and their financial advisors to create employee benefit programs that add value to a company s strategic plans.