Charles D. Epstein has over 35 years of professional experience in the financial services industry. As the principal of Epstein Financial Group, LLC and Epstein Financial Services, a registered investment advisory firm, he continually provides corporate retirement plan consulting, as well as wealth management and financial planning services to business owners, professionals and individual plan participants. He is designated as a Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Accredited Investment Fiduciary (AIF) and is a Qualifying Million Dollar Round Table (MDRT) and Top of the Table Member. Additionally, Charlie is a Certified Family Business Specialist, from the American College and founder of the Family Business Center at the University of Massachusetts, Amherst.
In 2002, Charlie established The 401k Coach® Program, which offers training to develop the skills, systems and processes necessary to excel in the 401(k) industry. The unique learning environment of The 401k Coach Program provides retirement professionals the opportunity to network, exchange ideas and learn how to efficiently manage their responsibilities in this ever-changing industry. The Coach Program has been sponsored nationally by major financial institutions, such as Nationwide, ING, Mass Mutual, Lincoln Financial and Mutual of Omaha, as well as over 30 mutual fund companies. Over 3,500 financial professionals have participated in 401k Coach Programs across the country.
In 2010, Charlie was elected to the newly created Legg Mason Retirement Advisory Council, which is comprised of 14 retirement industry leaders in the country. The Advisory Council examines the major challenges facing retirement products, service providers and best practices observed by the industry.
401kWire has named Charlie one of the Top 100 Most Influential People in the Retirement Industry along with one of the Top 300 Most Influential Retirement Plan Advisors in the U.S.
An entertaining and influential speaker, Charlie has spoken on many main industry conference platforms, including MDRT, DCPI, ASPPA and CFDD. He also has contributed many articles for industry publications, including the ASPPA Journal, Financial Advisor Magazine, BenefitsPro, Advisors4Advisors, RPMI Weekly and NAPA Net.
Charlie’s first book; Paychecks for Life: How to Turn Your 401(k) into a Paycheck Manufacturing Company, released in January 2012, has sold over 14,000 copies thus far. Paychecks for Life and its nine principles are solely focused on teaching Americans how to maximize the 401(k) mechanism to adequately save for retirement with a practical and systematic approach without getting lost in the technical jargon. Hundreds of Advisors across the country use the Paychecks for Life principles to instill retirement readiness for millions of 401(k) participants. Look soon for his new book; Save America, Save! This will be an opportunity for other advisors to gain an unfair advantage in their marketplace by licensing the book exclusive for their territory.
Charlie’s multi-dimensional business practices and considerable experience provide him with a unique perspective on the challenges that face the retirement plan industry; from individual financial advisors to the financial institutions manufacturing retirement products, as well as the many challenges facing plan sponsors and plan participants in achieving successful retirement plan outcomes.