Retirement Strategies Group

Pacific Life is dedicated to helping your business thrive amid an ever-changing financial landscape. That’s why we offer specialized service through our Retirement Strategies Group. This highly experienced team is composed of subject-matter experts with advanced degrees and designations.

The Retirement Strategies Group is available to meet with you personally, speak at client seminars and meetings, and consult with you by phone.

The team regularly addresses topics such as:  

  • Beneficiary planning
  • Estate planning
  • Financial planning for the small-business owner
  • IRA rollovers
  • Planning for healthcare expenses
  • Retirement income strategies
  • Social Security income planning
  • Tax planning

Contact the Retirement Strategies Group today. And explore this site for resources and insights on a variety of timely and important topics.

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Contact the Retirement Strategies Group

Phone: (800) 722-2333, ext. 3939 

Email: RSG@PacificLife.com

Reed Lloyd
Field Vice President, Retirement Strategies Group
CRC®, CRPS®
Reed is a Field Vice President at Pacific Life and oversees the field team of the Retirement Strategies Group. He has more than 20 years of industry experience with a focus on retirement income planning, as well as small-business retirement plans. Immediately prior to his current position, Reed served as Assistant Vice President of the Advanced Marketing Group.
 

Michelle P. O’Haren
Senior Retirement Strategies Group Consultant
JD, LLM, CPA, CFP®, ChFC®
Michelle is a Senior Retirement Strategies Group Consultant with more than 25 years of industry experience in the areas of financial planning and wealth management. She began her career in the tax department of KPMG before running financial-planning groups for two major insurance companies. She also has had advanced planning and education roles with a broker/dealer firm and financial services firm.
 

Susan Wood
Senior Retirement Strategies Group Consultant
JD, CFP®, RICP®, CRC®
Susan is a Senior Retirement Strategies Group Consultant with more than 25 years of industry experience, including financial planning and wealth management. She has worked in a private planning firm, a joint venture with a trust company, broker/dealer firms, and financial services companies. She has provided continuing education to both financial and legal professionals.
 

Michael Bitton
Retirement Strategies Group Consultant
CFP®, CIMA®, CLU®, RICP®, MSFS®
Michael is a Retirement Strategies Consultant at Pacific Life with more than 20 years of industry experience, 15 in advanced planning. He has experience with in many aspects of financial planning, with a focus on retirement and retirement income planning. Prior to his role at Pacific Life, he headed up the Advanced Markets department at one of the largest U.S. insurance companies.

James B. Schomburg
Senior Retirement Strategies Group Consultant
JD, LLM, MSFS®, CFP®, RICP®
Jim is a Senior Retirement Strategies Group Consultant with more than 20 years of industry experience. Prior to his current position, he worked as an advanced marketing attorney for other insurance and wealth-management firms. He began his financial services career in the private practice of law, focusing on estate planning and administration as well as family and real estate law.
 

Gary Pence
Manager, Retirement Strategies Group
CLU®, ChFC®
Gary has 25 years of experience in the financial services industry and has spent the past 22 years with Pacific Life. He is dedicated to helping advisors address complex tax, estate, charitable & retirement planning strategies for their clients.

 

Caroline Elrod
Retirement Strategies Consultant
JD
Caroline brings several years of industry experience to her role including experience in tax planning with insurance products. She enjoys educating financial advisors on creative and practical solutions to business, estate, and retirement planning concerns.
 

Steve Chmelka
Senior Retirement Strategies Consultant
CRC®
Steve brings more than 26 years of industry experience to his role, including experience in financial planning and wealth management. He offers detailed knowledge of both employer sponsored retirement plans and retirement planning strategies.