BEGIN:VCARD
VERSION:3.0
REV:2026-05-13T11:43:25Z
N;CHARSET=utf-8:Gagliano;Ben;;;
FN;CHARSET=utf-8:Ben Gagliano
ORG;CHARSET=utf-8:The Pension Service, Inc.
TEL:(855) 828-2229
TITLE;CHARSET=utf-8:Partner and Vice-President
ROLE;CHARSET=utf-8:Senior Management
EMAIL;INTERNET:BGagliano@tpsgroup.com
URL:https://www.linkedin.com/in/ben-gagliano-b266587
CATEGORIES;CHARSET=utf-8:Group Medical Consultants,Third Party Benefits Adm
 inistrator (TPA),TPA,Third Party Administrator,Retirement Plan Consultant,A
 ctuarial Consulting,Pension Consultant,401k Plan Consultant,401k Plan Assis
 tance,Retirement Plan Design,401k TPA,403b TPA
PHOTO;ENCODING=b;TYPE=JPEG:/9j/4AAQSkZJRgABAQEBLAEsAAD/2wBDAAMCAgMCAgMDAwME
 AwMEBQgFBQQEBQoHBwYIDAoMDAsKCwsNDhIQDQ4RDgsLEBYQERMUFRUVDA8XGBYUGBIUFRT/2wB
 DAQMEBAUEBQkFBQkUDQsNFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFBQUFB
 QUFBQUFBQUFBT/wgARCACWAJYDAREAAhEBAxEB/8QAHAAAAQQDAQAAAAAAAAAAAAAABQIDBgcAA
 QQI/8QAGgEAAwEBAQEAAAAAAAAAAAAAAAEDBAIFBv/aAAwDAQACEAMQAAABtPjpIJDTSQjkqsfO
 +8ThbmvzGtHIm0gFoZt8+0NmIs0liWkiS1JMmlDNCSxLVWeJ7Ui8z0c08c2uA/RMf3MC5h+4ltm
 C5azxpIJaSEjy3QCWaZHuXUvh+7O8evstPl0zGaJ8vXALuIfuMX0Y/UOrPsEtJBIpDm0IBLNCr3
 juq/K9eysOuPejiF6ZSVVi1cwvuKOSLdx9Ya8+wS0kSWH82hAJBIgidJ+P7BPiofdkVVTTHpgG/
 DxCbXIruPp3Vm7OkkEgho/m0NgkEBDcHqxXzdhPikR9PIUnWT5L1v6vmaYk44e4WrphL7Z9CSxI
 Hc120IBARDD60f8AM3HuqA9mbULE6cV3uwdao+gB3jurbhJdcaaSzQHc120NghPlheFeJ74D0ck
 T2YuaXQ22cNWJTm0gnfHG89mF4WulprQHc1m0202wZ47gvl+1G9WeD6sXQHfWHE+Ylz3OJ3M9yt
 zRmwWM01jR3PZtNtDabaYWOius+9i0Xs25OzKIrMbznKdTl1JTukcZnS0LGjsLNobTbTbTQitc2
 wbxbrlpGaojLQaIIXHDeFv04kbNNY1gjsaoTaTbQ0mhAKOiqpWNT05o4HViHM/TaBbfiq/Fovns
 lzMaxo9CrabQNptoQmMz6a1hoAaM3LSa++Slo2n6vm1hC1V4NawkrJg1Julac+2xtJto5uXX8al
 eKWfbipeKRLviY+n5s19DA1x150wbIvnviMTdZiPYbG02k4bKtaZ68Cdobc91RrV141TWNnaYy7
 TnjPfHm3yvQQum+XoSw2P1snC41gcKhOesDTXoT0sk0x6fGls8eQZ1Q9Pb8kahfz5i0aa2dNoUG
 Il+DZyp4JY9Ajpel/RyzfFei/Qx0Jlr6Q9zyptk10PlvWKSR7GlCQcCQYNmBtDo0Az3x6c2wkwv
 KGagSk7h35rZ5p5Sy1j/AHPabQ9CeHoD2DXsegdTafLXfPqLTMpCviUn26IyCi9M9PyXHprvhfP
 SQa65dTwP/8QAKxAAAQQBAwMEAgEFAAAAAAAAAwECBAUABhESEBMhFCAwMRUyIgckNTZB/9oACA
 EBAAEFAvbYTO2+Ozk1vFuGLu0yeX+MkJ5hznAfBlIZvxNleqsGm/j6pEx5kXHv8v2XDr5flDbds
 zXI9vwXk/8AHV9GXBJyX0uFEjcenkjPEhm2G8Y2V6WzTy34NbtVaSier5UmekBkiysHYKdKa9p0
 cOXLIV/p5GOV48lN/v0TZPguQJJq9Ji3kll+mkTrshFjFIrmxuNe57kR0gonskIfJjVSRFlCli+
 C7sXxC08YYHSa7w6HJV0WuUayG7QQs5YSMRuNg+JAk72mG8YHtXrdxlISKvEiSkRky045CMi5Ik
 dwRE7ZQTEJhHJsTy6ujpEhfAdOQjo0bpB+DVkcXSyOOwdpIitdKMUo7FHIEriN+lC5XB+Byckni
 MPCt76WUWS80CvkTmk0xKIhNOFjp6J7iQxujRaiK2TYe1cXovS0D3Yjl2z7dwGmO4cTNHu1ibq7
 ddNj5l+O1ieikD237W6FhubjgbZ+uc+AzklVoqS6HcxvcuLi9LqP6ivQzmKKc1cJLa7DHYiELyy
 DCfZSNUjQNZCmmgHptSR7RvsXFxesZ/5SVY15YR3s2zZc7e+Qqsk58SvZBDrM/RMhX86HkfW5Ew
 GroBUxcXoUrAsstR8k0Eu77CsHYBsNNGiY6CjVgadRcYMYmmXxqGR6m12zbPromL0VcsdRgjZLn
 HnP33zRAnDyObm3Vurkr5EvX1g5dP6njagQqNEkwytC93Nypm2LiJm2HkjjNl6qCPJ1vJsMV22c
 t+mkhNSOUHafeNOO1L4WigSZU1GvkLq16Q6VeqN26bYaSQ7+XscuzdHtT8WRzeN3VANCPFSLZUE
 EYh9vgmtZzzyFxVz/AJjfpPHVPvN8d+mjf8HJRHv1VZOsry1FItM/p/betgu/S5mLOsc2zj5Xz7
 ExPtVxfpV/jo3/AF/UE9a2nV6osc/alaRO6s1Nan9LWuxM2zbB+em2+f/EACYRAAIBAwMEAwADA
 AAAAAAAAAABAgMRIRIwMRAgIlEEE0EyUmH/2gAIAQMBAT8B7acHN4KVNUlbpcbGyTKsf3c+LCyv
 0Y5FxsZIks7UVdlDgfRosNIYye1Hk+M7sqT0kqs/xH2SZqJzb4PIu/0ntLk+Ni43m7KlbNkLyHD
 xLZNb9DySLNc7PxacHBykrkIpN2HEcZP8IU/ZNCWRxZoGvIr/AMtn4c1ZwI8slglVsU3i7ZUqF8
 iYx8knqd9mi7VIjwVJinfJKWpH2tGtt3I1PYpXHl7UZaXcjWVbgqK5pk3geMMcol4mnFyGESljb
 oz0SG8kV5HjbyRJUf6l6a4RJ3P8J+tyE9SyLk5JUmOAxE5ZtuUcyL2IVUTqXNdiTuVKn1og7vcp
 +HkVLSyuj6TqqA5OTuyn227lHprcTVGY7FWv+QL3EU1aOyo+zjpCV5SXSUNeB04olTHE5du9IUP
 Ylbsp8t9IyuMqVFAyynDN9xlJ3Vx4yUIapXJEU5yuywkksbj4ILBUvJ6RLTgzyabPo8Y3GR4E8k
 n0ZBXY+/8A/8QAJBEAAgIBAwMFAQAAAAAAAAAAAAECEQMSITEQMEEEEyAiUTL/2gAIAQIBAT8B+
 M5qC3M+Z5ZCRGBGLNJFGOXjueqn4KIwIwNJpKEQfak6R6jkQpEZNibNzfpDtT4PUKkY8bmyGKH6
 aIlEYo+pS8EO0+D1T2Qo3HSjHhpbjWkWT7V00nBHku+Oz6hz1VF0Zm3VkZPh8EMkV5MmW+DF/XT
 UWLgx/wA9n1GysmuEQhZHCvJm5qKMGLpRXRKtuzm3xsjuYojVbCVMUTSNFduS1KiWL2mjHsX+lU
 KLKl0lyRXbyx1RIkt0LVexDV5GLpDuSjpY3sJkMiZq6MjFpX3M2yOT2yEKK6YsXuPfgyL69zJ9t
 iG2zF1x4XMUVBUjNx8LL+LHP8K4NClyaJREn+GL0/mZVDMruXZlP8G76ZMdQi+kMnt7izyZDLYp
 WcKy7+TdDyLwOTfwzfyl0yQcXbImHG5uzgyz+tfPn4rczrwL7OkeqyKGOiFOiVY46UWTbb37keT
 K/sYkoLWyUvcdm10iM9cd+nLvuR5MnI4bEEMx8mR0iPwfX//EADcQAAEDAQUGAwUHBQAAAAAAAA
 EAAgMRBBIhMUEQEyIwUWEgMlIjQnGBkQUUM2JyseFDU2Oiwf/aAAgBAQAGPwLw3AVeecT4CsMFd
 65E6Kl69y5cagHxHYYZDRzXYO7IEZcl8laOyCJOblTZn4WSUvC9iECMuSSNHtTWBC63eSuyCDg2
 g6L2hq1XkQ00CBqWhcbrzP2TQdXBDk2qN2rCrQ85BqfNLi5zqMCDQx+OR6rdyCqquEY1zVzdOPe
 8iCfqoD8P3QfE8PGWHJZHdvRObxdVaRH5TSlUZIxvpP8AIqCHd/NAvq4pwyoiCqCjh3VX/QKI06
 p51MmPJhkzbkVIcqmqxXDmi+WXi9KICJrRAP8AqsEOxUUetKn48lwRoKVRccgt68YnytQJ4O4zV
 wm+OpReXfJXX4d1jpsYTmWjkkL2pbj5S1FqqwXhSicN6GfFF19mYCcXzNqKpwFKD3kS810CYyQX
 m5kcs0zbiqgoqpFD1X4zh80TW8TqsBgmM0birRN04BzKj8GTLt22UWWwnRE6lWe3WeRzOMtI0Kv
 jglb54+n8cuQj+nxLHMbM1TNU0QblGPM5BjRRocAAmzQvuPCDXEQ2jVh1+HKt9ka+41kQbeHqJR
 jmbR3XQ7PMs1Rgo3VyDGD+VDCP1HbSOdxb6X4he2szX92Gi4y+E/mb4S57gxo1KLLLgP7h/wCL7
 QcTjVg/dXJG1GhGbUTTeR+poWIP0QktAuj0a/NXWNDR22S9GcPJLYfbydvKFemfe6DQbLWfXdcq
 HNfc7O3evZjKSaAdkN22GOh9NUIz7C2UqYjk79OyR+jRVOccya7e+29LI2MfmKIgYZT1OAVHv4P
 Q3ALttjoPcxV5qtTpam/M41+exktnqzcm9vOiqVIB5pSGDwYbbz3l7urj4SmHVPxwbmt25zI7Ta
 paRGQ04qqSzW2sRiddcGiqaGtAZ2WHyUNncKGMVPz5hULuuKMbNfMpbrvZwHdx07a/VP8AtTCWo
 AnpnG7LEJ9nefbWf/ZqJ7K0THV3gp15BVm+CtloaONkRp8UHapj/ck4Ht6gqGOtQ55gd3VpkHuR
 k+GvXb//xAAlEAEAAgICAgIDAQEBAQAAAAABABEhMUFRYXEQgZGhscHw0fH/2gAIAQEAAT8hj8P
 wLZFaiwhRvmXB3BvzADC/EyEQ+TRhBxDZp+GMZUfljiWYs3/yU3/sAb/Md3L3FZMVzBnMwkHY7t
 zFTt5GMYx+H5pMNnc0xG3Bq2oXP9WFcnxA4WwC11LWG/U0Q0AIv5IwBSLIxjGLGMuci2a6mbCuo
 L/gT5Y2DywAXu5MkZd9zimuJZTyreWLbblMwPDfgLKkcAR+GMWLFlwMrKXsyTeAVPuBUrD8QkUF
 2V9Cv7F/ssYmg0tx0ZlPCNUy9U/d6gnhGlR27Mn1G9oTwY/DGMWLFh3uWPbE2p/cCtQUahWGD11
 HH2GMv4PigiHEAf8AZTGL09ckqw++CYrIIz6h85lfRLixjFiixZRSjVxm5iwAUOCpiLG6mii2Aj
 VjoPiE7Mkq64JRKl12gJK5xZDBnJ9rLLlxZcYxYstqtcytM5YltMGo+Ycxog+Bu+hHldyJmup5k
 QNQL9XwxaZPI5gtpsbgrUgn1LlxfhjFizzIVL3AWRs8y5tpUF8ABqo9kmzwzU2oyi1ioMCP6S4S
 evKX3LUsKtb1aP8A2XUuXLl/IxRjNF4/rmDTMjnd5qZPCPKagLYXq+JfOYtXb3OJh3A4qtD8D+z
 LL+Lly4xixYsWVg5F83MFVdxV/nljHE8M30fbKBwpl8lEtGcXFnJsmCuFdt2eXxcuXFixRRfC7x
 T96/2UmA/P34iHSfhjMQ42YHbzS48e4ciRCMuSaTp7IDQmXjyfPr4v4YovgsuZIUQutj6qvzK3J
 kGjs8QE8TNwJba0P1DaYJR0Dbyu2DWwrAMzBuDhT/1MDDulv8M9Wdd+yLFFFm1OT0S57oSp+n+z
 PAs70p33W9dj/kWBfXPZxPqayhjW05oIGOgVKKzCW8X638C95lWm42KLCBVoNrMKzxa/Zz9S53q
 Y9JNB5lZ6/Vsh8Alf9LtjL98sCALCl/TDjosnsVz63Efc1lTb0RN7SZaYlxlB76ESi9xVzzcGi5
 /3v/7llThUzq/CGDqXR3WahqYVH5cxg1XkloAXxbUUE2pauRxBeMc1F6r7i3+iGMqymBqu53qpp
 EThuwxz3D3Lpritw1LjvEIbll+opkU34w8PlMWtV8FR2N6QTzweZSahQcRSBHD9upedriF0/X9+
 FGXUu7DFozqHd25lYEhlmUu44VF7YU5yYDRzEd+IZcoWDkPf+IK9FslQ8imrvUznEUvLp+tfiOu
 ORX3nAOAwRy1MCqjSxj1Mx7n1P1MkArUR1xFZCfwiq/mfi5h7H9iCrFnFKH9yw/l5mHFD6igxwL
 cHF/kGKGtG91GruEmniNrgrKoQ/9oADAMBAAIAAwAAABC3FdgcxHyEqMHcAKiCwB/gwdl5KykzR
 mb+jfhFmQE12vmrlqiCipzN1aaSa2cPAzds1J0KTk04RW5tGAQUWKVYpMoXRjBdDcEgJ8sb8CV0
 Q3yPhYe5BKgoYcMHTLsSvUOQZxo+3xpje2+J9fpI3F4BcAIrpYPbvsBYSqLVMHG+cdib4rEWEWl
 f/8QAJBEBAAICAQQCAwEBAAAAAAAAAQARITEQIEFRYTBxgZHRsaH/2gAIAQMBAT8Q6QBFNb7sWF
 GCQdyyCtIlPQ830BwHEinMWKzhUuL4erAMc6RzACmJCEJXtxyWX8UtEAQGYXs6l0uYSKeZQ1GCs
 NfDiIckEf45bQY9pjJwItOP/YoLqOB0Hpvxrr6IWawthmOYh7nHiZkTFm5iT/H4bg3d/wBn7UY4
 mks7hCMERnctjsmuO6j8DOPMq5um0mMMRFTkjIdmFHETPScHCGdmZcopIliYgRGCjBtNy+quDyF
 Ri3GLDy8PVU+HELIlEWqXEvYgx8s7GXDyDnfUPOK2JWKRUDuMS5MswF+PyGw8kW8wW5p3HuNyxB
 9rqJYvS9bfZAHbYweGX7hfvxL0ZhtWGuO8qWl8kBdSjLBsSC8Q9ZhG2U3+3+RStZgXKj3B6CHKs
 ADEI/gGIMbA0RWBvtAJVB7wKwduLl8o6jsDpFom8S5d87gcRzN6gVO2OiVenn7nvkA1Ln1wR0M/
 IJhtE9u5cWIpJW+qAhieoTDzulRIqT8/yU/T/YiLRN5plYqGh4cEq4+JXGDluXNWKortUsLnqUS
 4WSO2GYFxwXDOZ9TM/8QAJBEBAAICAgIBBQEBAAAAAAAAAQARITEQUSBBYTBxgZHRofH/2gAIAQ
 IBAT8Q8bhFk9GorEeEPUUjhaDfnXgy0hnL9QQCAJRhTHCwJX0cgQXGDHJ66IzBTA9iG46r6QuDt
 nxogsOUoMQN1AZZYimYyQnv6OalwRg+6/yZ78P+whmXuBEole/5AjEMBlp9HSEH7+8E9sxEr4QC
 CFKK4cFylSrqKlDX5fRL8kqMCeojohswF0kzWwKI1YU1DUqkHi8MAF6lt2+JxwgfWIAKlsaQxmX
 yeLBV6ZSNjxUNo4E9xBcq6jd0sLSXtMIQ8XnSbMzWIitiJmUD6Za7Y5b6gwvJy8JHipmDTGwgjb
 AMSjBIqxBPeFOYcHLwnKpfmAGN8EA4hGo3WbgComSCMPGuHjL1luwS3qDAWP367hnVFRO474FIM
 3AyuUiAtl2IaW+8p9o6xZE6X6mr9X9gBRMmXp1iJKOK4YxgmMoitjiF8dCyArFvqBaImDuJAiP1
 Gy2JKlSp7gbMNpN7AuVU3MetB7lIMeosXKewEKhsHuF8/HG4rkyuWGxKE6BCbJnuGq/yMMsNSoi
 OoIDqHF8PhXrgKmqX2mIh1/ZhWRljpRaNiXTcG7txcWGPF4CCBf4S7aUNTLMSU7iYoKIxahlmGO
 f/xAAnEAEAAgICAQQBBQEBAAAAAAABABEhMUFRYRBxgZGhscHR4fDxIP/aAAgBAQABPxBguJcFR
 CBATgbc90b4mRita66J13oZqB7uwxyOH+xKgA7EAsAzNrHlte/aCMhA7aC1+4kHcFwVHKt/PoY+
 hht1Goxq8WNU9oGZRGwKcKtygDLw5weIAVsu7IAbxWoIXQuGKleIhINphaJ8IUctDSQYYIN+haO
 YotxgYnAsgchy9QA9TlyWq+6yrCWvxLRrjhExsX6hNGgYriBWLHM1PXhZgRcp1mF3JJoT9JVKIq
 rCWfrOXoEHP6egomKzLZMq8ifvAgyZpoCB35LQOzqK02AKD2jCQ+LnM8kxFUXThlSpHHlrVQxEu
 W3wM2apyHy9Q4WPXeBcDXgPYAPQ3De5tPYlUsjF2H/gVh7IRwSGAzazX1Dl2AQBlrgA+4WbNHna
 oVXylh6UqyDw1h3xAc4YHVdxJBdgty2fyy72g3ArTd7RUgJZYL4fNyjXE4cGZgZu2whYiCRRfRt
 3HOqdPoiJrxpkcPFceYz6Wp7Zty1dSxOGAj1Laf5UT8BMREK5rwc+7GyguHCWcQ/FLRqg3NtMUx
 8g5hZAGB1byRyAdBZbY/JHcNqOUI/EY7IiLM+r0Mnmb83Ae9GbYPhyTUQV8gB84X5lKIGjBfmBn
 mEBliJgVCnyqNCYinHvCEbhvS+YYIIdHs946tvvmEo6SucJX5jtAmnoifmviMtoBKXHHn1oNqNH
 QTIxiAbKvPftEz3l7RCheT5TfjcJBaGpbb4PeYfFfUWl3FVDdlYI3ixAGvNU1nwc4HTB1BiEsgj
 hmwChT0sZJYx1cde/peaEqoMk2Qa5qNYN0TDnzBp18HmVteywrx8wXVrm5HLof2lpIWJWFNcmcv
 iFa8BwNgDyZhTsiFpdHZAcWwmcX/M2ZbgOQtOMMSgoADBWjxMCGJ+0d5h4i8xY3H5nkj3mPufUG
 UafWfiMmaadkACDutriYLOWFlEpuvCkFdpgVADDkoCFqgDVZXJd0fUp8ysMPmFVsAnbwsokNKnG
 x9ARwJfUpP8ALgTMe+419Ld6Vl3n3nDCAf8AM2ePaYgULO0hKitIWFVG8T5hO1DN1xY6Bq+43i0
 Wh51LJhKNK1rRMnxUNiWZZ+6eB40y57r/APBc3oJudEWCJmu5DJX0m7qYdfMF3BMh5QgufGXVxe
 Lx0cQrBBtPwS1AgjB6eXH3AtObgLojqrxk5RaTkYXnGHflGnlk8xa3hdXGmoN/9jiT5Is/zLn+o
 widvhOKOShH8J3tKHCflf05m4F2YYMs+C8wU2iMWVTH974mykH9z5IxTBl8BR+rKaa8RoB1n2lS
 laq9urIezA3HKD7D9JbQBa0/Fo/+JM01Fqsvl/SYwG2x8Nr3Z6IbgwKtpdfm2PqfaFf4JWGDn1o
 ix96+zzNTqhTMrg1mPaJw+i3HtvuCrOhgQ35VLdeDnP8Ao/iNG6zevEVI0wzFb9/aBTPMoICvNT
 yyu4LAVooDtYLeJWQef0vtLRMW1lcHg99y6Zapb3GhuIr/AAwk1wwIyi2lhCFNa0oDhCGxE1pTp
 2H+xCCP2gDaaG1YeTMaLIt1e64Ef2iVLtA2tv6y1VfmcA5YyldRZhSFAyXCcBc0Ma7wqfAbfglU
 B1hP3fREU2egPbn5uFqRb2TyEQZNHmJZC14FeIo2QvzcxBUUdXLoRLdP5QUV4gMeLzHq+XS1YHl
 dJ0twwUZgoLLhpK5bpW/slKBacHRLV3XM0S/PUt8DZ5jmwKmo2Gc9TcJ1H+XUuV0HqJbFeZho5r
 bhLK0bmTrX0TOBQdzSWZgToZZaWeg1qA7BdbQ5I1mFsIoCxZh2w3UCuGoK+P5csAGKXxdMKIoL4
 ODKvAYppK4uAcjpZkuAYnxmEnBlXiC5VtjodftKCV+ITDtLadTIw10RFF01WeYRsDpsl6p7UeIt
 1rRzGdlC/MpO8jU9h8Xlj7h+0V84FvohKzGrWeelYEVexgV0BWUU3ai0Gm0tK9rjTI1Mwz6JiAG
 9XqWEYaRgItj4Mb/VF/MoWhyLajbd+IJu3hiGqCWhiKQXxMeMWogPnbmMlRRG5zaflETBYLT6BD
 8S2RJk5ty/MZ+ik92PaKJfJGpcca0ZdfARlAuOjr81AF2ayvK7Yhut4ghN2O5WtVjuGjM4l8HBF
 oWC93FvrHc//9k=
END:VCARD
