Christopher E. Cahill, Senior Consultant, Principal, Co-Founder
As one of the founders of the company, Mr. Cahill has been with Concord since 1988. Prior to Concord, Mr. Cahill worked for both Merrill Lynch and PaineWebber. Mr. Cahill earned a B.A. degree in Economics from Washington & Lee University in Lexington, VA. He is a lifelong resident of the Princeton, N.J. area.

Scott Santin, Senior Consultant, Principal, Co-Founder
As one of the co-founders of the company, Mr. Santin has been with Concord since 1988. Prior to founding Concord, Mr. Santin worked for Merrill Lynch, PaineWebber and Hamilton & Co. Mr. Santin earned a B.S. degree in Finance from Rider College in Lawrenceville, N.J. and a MBA degree from Rutgers University in Newark, N.J. He has been a lifelong resident of the Princeton, N.J. area.

Lynn Barclay, Office Manager
Prior to joining Concord, Ms. Barclay worked for The Wall Street Journal in various administrative positions. She graduated from Douglas College, Rutgers University with a B.A. in Economics.

Jason H. Birdsall, Consultant
After graduating from Villanova University with a B.S. in Finance, Mr. Birdsall worked for BHC Securities before joining the Private Banking Division of JP Morgan.

Michael Bruni, Senior Analyst
Mr. Bruni graduated from Pennsylvania State University with a B.S. in Finance. He was employed as an industrials sector equity analyst at Penn State Investment Associates upon graduating. Prior to Concord Michael worked at UBS Financial Services as an Investment Solutions Associate.

Paul Ferro, Consultant
Mr. Ferro graduated from La Salle University with a B.A. in history. He completed his M.B.A. at Temple University with a concentration in Finance. Prior to Concord he was employed by Wachovia Bank where he worked in the Private Client and Trust Services divisions. Before working at Wachovia Paul taught high school history.

Nicholas Hooten, Senior Analyst
Prior to Concord, Mr. Hooten worked for Merrill Lynch as a Plan Participant Service Representative. Nick graduated from The Pennsylvania State University, Smeal College of Business Administration with a B.S. Degree in Marketing.

Kristen Leonardo, Receptionist/ Administrative Assistant
Ms. Iorio attended Rider University where she earned a B.A. in Sociology.

Patrick Ivins, Senior Analyst
Mr. Ivins earned a Bachelor of Science degree in Mathematics from Carnegie Mellon University. Patrick was previously employed at Aon Investment Consulting as an Investment Analyst.

Uma Kolluri, Senior Research Associate
Ms. Kolluri has an MBA from Bernard Baruch College City University of New York and a BS in Physics from Bombay University. Ms. Kolluri is a member of the CFA Institute and NYSSA, and is a CFA Charterholder. Before joining Concord, Ms. Kolluri worked as a Credit Analyst at Wachovia Bank.

Paul Laux, Director of Research
Prior to Concord, Mr. Laux was Director of Research for Ernst & Young’s Investment Advisory Service Practice and was a Senior Research Analyst in Merrill Lynch’s Consulting Services Group. He also previously spent time on the plan sponsor side with Public Service Enterprise Group and Orange and Rockland Utilities. Mr. Laux’s educational background includes an MBA in Financial Management from Iona College and a BBA in Accounting from Siena College.

Min Li, Director of Technology
Prior to joining Concord, Ms. Li worked at Microsoft Corp. as a Software Engineer, and at Princeton University as Research Staff. Ms. Li received her Ph.D. in Physical Chemistry from the University of Pennsylvania.

Thomas Lyons, Research Associate
Mr. Lyons earned a BSBA, in Finance from Villanova University, and is a Level III CFA candidate. He was previously employed as a Trader with Susquehanna International Group, and as an Analyst with Ameriprise Financial.

Michael J. Michalski, Senior Consultant
Mr. Michalski's prior experience comes from being a security analyst with the National Association of Insurance Commissioners. Michael graduated from Rutgers with a B.A. degree in Accounting and an MBA degree in Finance.

Ryan Opsahl, Portfolio Analyst
Mr. Opsahl graduated from the University of Pittsburgh with a B.A. in Economics and Communications.

Jeff Possiel, Portfolio Analyst
Mr. Possiel attended Salisbury University and earned a B.S. in Finance from the Perdue School of Business.

Michael Sadovy, Research Associate
Prior to joining Concord, Mr. Sadovy was a Research Analyst within Citigroup’s Global Wealth Management - Investment Advisor Research Department and a Research Analyst at pension consultant Hamilton & Company. He graduated from Rider University with a Bachelor of Science degree in Business Administration with a concentration in Finance.

James Stegonshek, Portfolio Analyst
Mr. Stegonshek was previously employed at Citizens Bank as a banker while attending The Pennsylvania State University where he earned a B.S. degree in Business.

Michael Stellato, Senior Consultant
Mr. Stellato earned a B.S. in Business at Mount Saint Mary’s College, and a MBA in Finance at Fairleigh Dickinson College. He was previously employed at Prudential Retirement and Merrill Lynch.