J. Spencer Williams
President & CEO

As President and CEO, J. Spencer Williams brings his 20-plus years of experience in starting, building and leading businesses in the financial services industry to RolloverSystems, Inc.

Prior to joining RolloverSystems, Mr. Williams served in numerous roles with MassMutual from 1997 to 2007, most recently in a leadership role in starting and building the company’s retirement income and rollover IRA lines of business. Before starting those businesses, Mr. Williams headed MassMutual’s Life Sales & Marketing efforts to distribute life insurance through the Career Agency System, as well as third-party distributors including banks, broker-dealers and independent agencies.

Mr. Williams was formerly the founder and CEO of Persumma Financial, LLC, a MassMutual Financial Group company. Persumma Financial was formed in late 1999 to provide a new generation of retirement services to corporate defined contribution plans. Mr. Williams was also Senior Vice President, Chief Financial Officer and a member of the MassMutual Retirement Services Group executive management team from 1997 to 1999. During his tenure, he managed the financial aspects of the Retirement Services, Annuities and Trust lines of business. In addition, he served as Chief Financial Officer for the MassMutual Institutional and MML Series mutual fund families. Mr. Williams was the 1999 recipient of MassMutual’s President’s Leadership award.

Prior to joining MassMutual, Mr. Williams was Senior Vice President of Retirement Plan Services for Federated Investors, where he led the business and service operation of the company’s corporate and institutional retirement plan products. Mr. Williams spent over a decade in a variety of positions in the financial services industry, including stock and option trading on the floor of several major U.S. exchanges, heading the development and operation of an international family of mutual funds based in the United States, and an international stock arbitrage operation.

Mr. Williams also served on active duty in the U.S. Navy for five years, and participated in the liberation of Grenada and the United Nations’ peacekeeping operations in Beirut, Lebanon.

Mr. Williams earned his B.A. degree in English from the United States Naval Academy and an M.B.A. from the University of Pittsburgh. He is registered with the NASD as a General Securities Principal and General Securities Representative. Mr. Williams, his spouse, Loretta, and their family recently relocated to the Carolinas, near RolloverSystems’ headquarters in Charlotte, NC.

Dan Wright
Chief Operating Officer

Dan Wright is the Chief Operating Officer for RolloverSystems, charged with running daily operations. Mr. Wright has over 20 years of experience in the broker-dealer, mutual fund, investment management and retirement services industries. Prior to joining RolloverSystems, Mr. Wright was a Partner with Hobbs | Madison, Inc., where he specialized in business and technology strategy, design and operations management.

Mr. Wright previously served as Senior Vice President at Pioneer Investments, where he was responsible for Technology, Investment Operations and Shareholder Services. His scope included Investment Support, Portfolio Accounting, Operations Performance, Client Service, Dealer Service, NSCC, Retirement Group Plans, Compliance, Vendor Relationship Management, Shareholder Correspondence, Legal Research, Financial Administration & Analysis, Print/Mail Administration, Year End Tax Reporting, Training and Quality Control. Mr. Wright also served as Chief Information Officer for Persumma Financial, Senior Vice President of Operations and Technology for Babson Capital, and as Chief Information Officer for Liberty Financial Companies.

Mr. Wright has a B.S. degree in computer science from Southern New Hampshire University and a B.G.S. degree in business management from the University of New Hampshire.

Zerrick Bynum
Chief Financial Officer

Zerrick Bynum is the Chief Financial Officer for RolloverSystems, Inc. Mr. Bynum provides extraordinary expertise and leadership for managing the company’s financial and growth strategies.

Mr. Bynum has over 10 years of experience in finance and entrepreneurial management. Prior to joining RolloverSystems, Mr. Bynum was the founding principal of Charlotte Franchise Partners, LLC, a private investment firm where he led the finance, legal and business development/acquisition efforts. In addition, Bynum worked as an investment banker at Donaldson Lufkin & Jenrette and Bowles Hollowell Conner & Company (now part of Wachovia Securities), where he conducted numerous mergers and acquisitions, debt financings, equity offerings and restructurings.

Mr. Bynum has a B.S. in electrical engineering from Stanford University and an M.B.A. from Harvard Business School.

Russ Winchester
Chief Sales Officer

Russ Winchester, as the Chief Sales Officer at RolloverSystems, Inc., leads the Third Party Administration and Advisor sales. Mr. Winchester has more than 20 years of devoted experience in the qualified plan business and leads a team of internal and external sales specialists. He plays a pivotal role at RolloverSystems, where he is responsible for execution and deployment of the company’s strategic plan.

Mr. Winchester is a sales executive with a background in 401(k), 403(b), non-qualified plans, channel management, wholesaling and direct sales. He is experienced working with Fortune 100 financial institutions, their advisors and senior management, third-party administrators, payroll vendors and wholesalers.

Mr. Winchester served as Vice President of National Distribution and TPA sales for OneAmerica Securities, where he was head of sales strategy for third-party distribution firms and TPAs, National Sales Manager for MassMutual, and Regional Vice President at Guardian Life in New York.

Mr. Winchester began his career as a financial advisor in Boston and later became a pension wholesaler for UNUM covering the New England and New York regions.

Sam Ghazaleh
Chief Retirement Strategy Officer

Sam Ghazaleh is the Chief Retirement Strategy Officer for RolloverSystems and is responsible for the business-to-consumer strategy, sales, operations, and product management and development.

Mr. Ghazaleh brings over 20 years of experience to RolloverSystems from across the financial services, telecommunications and defense/aerospace industries. He spent the prior 12 years of his career at Fidelity Investments as a Senior Vice President in various roles leading strategy and planning, IRA rollover sales and operations, and financial planning and analysis. He played leadership roles for initiatives and programs that crossed Fidelity’s Retail and Retirement Services businesses. As head of the Retirement and Investment Services Unit, Mr. Ghazaleh managed all daily operations and sales functions for a 650-plus person group based in four separate operating locations. He also built the planning and analysis capability supporting Fidelity’s customer service organization that was part of the Retirement and Benefits Outsourcing business.

Prior to joining Fidelity, Mr. Ghazaleh was a management consultant with Adventis, a boutique strategy firm serving the telecommunications and computer industries. At Adventis, he worked with clients across the United States and Canada on marketing and operations strategy, competitive intelligence, business process improvement and financial evaluations.

Mr. Ghazaleh began his career as an officer in the United States Air Force. He was a Captain stationed at Hanscom Air Force Base assigned to the Electronic Systems Center. He worked with defense contractors, government agencies and defense research labs, managing development and engineering programs as part of the MILSTAR Satellite Program Office.

Mr. Ghazaleh earned his B.S.E. in electrical engineering from Duke University and his M.B.A. from the Wharton School at the University of Pennsylvania.