We believe that the 401(k) system must be free from conflicts of interest.

About Us

Founded in 1988, America's 401(k) is an Independent Third Party Administrator (TPA) located in Dallas/Fort Worth that specializes in maintaining a quality, cost-effective retirement plan for hundreds of companies in and around the North Texas region. We strive to set ourselves apart with our Point-of-Sale consulting efforts and providing exemplary customer service to investment representatives, plan sponsors and their participants.


The Pillars of Our Business

  • Doing the right thing today is always appropriate for a successful tomorrow
  • We appreciate where we don't belong so we can optimize where we do
  • Delivering administrative excellence is always our strategic driver
  • Respecting relationships and living up to expectations are what motivate us to deliver


America's 401(k) has a management team with over 100 years of expertise needed to insure an efficient and economical operation of any qualified plan, regardless of size or complexity.

Group Photo

Jeff

Jeff Reddig

President

Jeffrey Reddig, President of America's 401(k), Inc., oversees the company's Administration & Operations. Prior to joining America's 401(k), Jeff held various positions in the qualified retirement plan industry including plan administrator, implementation manager, plan consultant and relationship manager for a third-party administrator, as well as in the Retirement Services division of a Professional Employer Organization. Jeff graduated from the University of Texas at Arlington with a bachelor's degree in finance and holds the retirement plan-specific designation Qualified 401(k) Administrator ("QKA"). Jeff proudly served his country for five years in the United States Navy and was honorably discharged as a decorated Petty Officer First Class. Outside of work Jeff enjoys spending time with his wife and two children as well as fishing, camping and playing golf.

Tom

Tom Ditzer

Partner & VP of Sales

Tom Ditzer is the VP of Business Development who helps Retirement Plan Consultants and Employers institute best practices involving plan design, Fiduciary process, benefit illustrations & cost competitiveness to run their plan as efficiently as possible under ERISA law.

People who know him can always count on his responsiveness, professionalism, "go-anywhere- at- anytime" attitude & dedication to helping the small businesses of North Texas.

When not solving America's Retirement Conundrum, Tom is often playing ice hockey for a local group of has-beens called the Harrow Vaqueros, chasing squirrels with his dogs Beacon, El Macho & Sweet Pea, or listening to XM Pearl Jam radio in the car. Tom was born in Upstate New York and graduated from Hamilton College in Clinton, NY.

Tom & his wife Rebecca Mason, recently bought & renovated a 100+ year old house in Historic East Dallas & were featured on 2 separate episodes of "House Hunters" on HGTV. They are so fortunate to have recently welcomed their first child, Madax William Ditzer to the family!

David Ralston

David W. Ralston

ERISA Attorney

Mr. Ralston is a specialist in the area of ERISA and the laws involving qualified employee benefit plans. He has practiced law in this area for twenty eight years, graduating from Southern Methodist University School of Law in 1985. Previously, he earned a BBA degree from Southern Methodist University and a MA-Business from the University of Wisconsin - Madison. Mr. Ralston has been involved extensively in the implementation of qualified employee benefit plans, including profit sharing plans, 401(k) plans, money purchase pension plans, defined benefit pension plans and employee stock ownership plans (ESOPs). He has given particular emphasis to employee benefit plans for owners and highly compensated employees of closely-held businesses through implementation of comparability and age-weighted qualified retirement plans. Additionally, he consults with trustees and advisors concerning fiduciary duties and responsibilities under ERISA and assists plan sponsors with Voluntary Compliance applications to the IRS. Mr. Ralston is a member of the State Bar of Texas, the Texas State Bar College and the Dallas Bar Association. He also is a member of the American Society of Pension Professionals and Actuaries (ASPPA) and is a member of the Board of Directors of the ASPPA Benefits Council of Dallas-Fort Worth.

Anna

Anna Kuykendall

Senior Plan Consultant – Head of Administration

Anna Kuykendall provides superior retirement consulting services by helping clients understand their retirement plan while producing accurate and timely results and exceeding client expectations.

With nearly 20 years of experience in retirement plan administration, Anna is well-versed in serving the retirement plan needs of small businesses. Anna joined America's 401(k) in 1998, and as a Senior Plan Consultant, her tenure and deep understanding of the retirement plan market enable her to efficiently oversee more than 100 qualified plans while managing an administrative team of 10 professionals. Anna attends industry seminars and conferences several times each year to keep current on regulatory changes pertinent to clients.

Clients can expect Anna to build long-term relationships that engender trust and confidence. She serves her clients best by listening which allows her to understand their needs and goals. She then selects the best plan options to meet those objectives and applies them to design an effective retirement plan. Anna has access to a full suite of services that will bring confidence to plan sponsors and ensure that clients are operating a legislatively current and administratively compliant plan.

Anna and her husband are busy raising four daughters ranging in age from 11 to 18. She and her husband happily cheer on the girls as they pursue volleyball & their numerous academic events throughout the year. Anna enjoys reading, weekend road trips and any opportunity to spend evenings outdoors listening to country music with family and friends.

Sondra

Sondra Coleman

Senior Implementation & Benefit Consultant

Sondra Coleman is a Senior Implementation Consultant working primarily with "PLANS IN MOTION"! With over 20 years with America's 401(k) & over 30 years of experience working with retirement plans, Sondra provides our new clients with the knowledge and confidence that their retirement plan fits in with their needs and goals. She also assist ~40 plans per year change their Investment Recordkeeper with everything that exciting process entails!

Working closely with our Compliance and Legal Departments, Sondra also assists to make sure that Plan Sponsor's with existing plan documents are operated in line with their Adoption Agreement. In addition to the implementation of our new administrative clients, Sondra is also responsible for the compliance work for 30 clients. This allows her to keep up with the constant changes in law keeping her current.

In her spare time, Sondra like to spend time playing BUNCO with her friends, spending quality with her daughter and setting around the house relaxing with her fur babies.

Mark

Mark Larson

Senior Plan Consultant

Mark Larson provides superior consulting and administrative services to Plan Sponsors and their advisors by designing, implementing and maintaining retirement plans that meet their business objectives.

For more than 27 years, Mark has been helping clients address their retirement plan needs. It's a testament to Mark's dedication to the retirement plan services industry that he has achieved a number of professional credentials and certifications demonstrating his expertise and commitment to implementing prudent processes, policies and unique solutions for sponsors of retirement plans. His clients and their advisors depend on him for his knowledge and insight when implementing and administering their retirement plans.

Specializing in Pension Plan rules and regulations, Mark earned his B.S. in Mathematics from UCLA. He stays current on industry trends and the constantly changing legislative environment with his ongoing commitment to education. He guides Plan Sponsors through the technical and administrative challenges that determine the plan design options that best meet their needs at each stage of their business cycle. Clients and their advisors rely on Mark as a trusted pension consultant and depend on his strong problem solving skills to address issues as they arise.

Mark offers the plan design and guidance for employers that helps them provide meaningful retirement benefits for themselves, as well as their employees, providing a key tool for employee retention.

Education, Industry Credentials and Certifications

  • B.S., Applied Mathematics – Actuarial Science, University of California at Los Angeles (UCLA)
  • Certified Pension Consultant (CPC)
  • Qualified Pension Administrator (QPA)
  • Qualified 401(k) Administrator (QKA)
  • Enrolled Retirement Plan Agent (ERPA)
  • Accredited Pension Administrator (APA)
  • Certified Employee Benefit Specialist (CEBS)
  • International Society of Certified Employee Benefit Specialists (ISCEBS) - Fellow
  • Defined Benefit Administration - Certificate
  • Employee Stock Ownership Plan Administration - Certificate

Prior to joining the retirement services industry, Mark served in the U.S. Navy and received several commendations including one for services rendered above and beyond during a major shipboard equipment retrofitting project. Mark enjoys being outdoors, walking, hiking and visiting wildlife sanctuaries.

Cheryl

Cheryl Mason, ERPA, APR, QPA

Plan Consultant

Cheryl Mason is a Plan Consultant focusing on helping America's 401(k) clients better understand the benefits of operating and maintaining their qualified retirement plan. Cheryl is not only committed to, but she is passionate about, helping business owners and employees utilize their retirement plan to help them maximize their benefits to help them reach and maintain their retirement plan goals.

People who know Cheryl can always count on her knowledge and understanding of the complex rules and regulations that help plan sponsors keep their employer sponsored plan in compliance and help them with their fiduciary responsibility. When not assisting staff, clients and employees, Cheryl likes spending time with her husband of over 26 years. She also likes walking, reading and writing children's stories for family and friends. She created a children's story in 2009 about a girl name Hope and a cat named Rosie with lots of adventures in hopes that young girls would get more passionate about reading and sharing stories with friends.

Prior to joining America's 401k, Inc., Cheryl was a Retirement Consultant with a broker dealer for over 13 years. She helped financial advisors and employers determine the right retirement plan for the client's business along with helping them establish, maintain and operate their plan while complying with the Department of Labor regulations regarding Fiduciary responsibilities. Cheryl was responsible for training staff and financial advisors and answering technical qualified plan questions to staff and financial advisors. Cheryl was one of the first individuals in Texas to obtain the IRS Enrolled Retirement Plan Agent (ERPA) designation and is committed to keeping up with and on top of qualified plan rules and regulations. Her motto is "When you need a solid foundation to build a home out of stone or brick, you can contact a mason. When you want to understand how to maintain and operate your qualified retirement plan, you can contact this mason, Cheryl Mason. I am passionate and committed to helping employers and employees make sound decisions regarding their employer sponsored retirement plan."

Jennie

Jennie Thomson

Plan Consultant

Jennie Thomson is a Plan Consultant with over 15 years of experience in Plan Administration and 401(k) Recordkeeping. Her focus is to help Plan Sponsors in the operations of their Retirement Plans to meet all IRS Compliance, contributions objectives and government filings. People who know her can count on her responsiveness and willingness to take the time to answer any and all questions.

When not busy reconciling and filing 401k plans for America's 401k, Jennie enjoys spending time doing almost anything outdoors, hiking, and camping with her family and friends. Jennie and her husband, David have 3 sons, one biological and 2 foster to adoption (as teenagers!). She enjoys working with children and youth and volunteers countless hours in her church's youth programs.

Prior to America's 401(k), Inc., Jennie spent the last 15 years as a Retirement Plan Administrator at BenefitData Services, Inc. working on 401k plans and overseeing operations. Before settling into the retirement plan field, she was trained as an accountant and also dabbled for a few years as computer programmer.

Tresa Selby

Plan Consultant

Tresa Selby delivers a superior client service experience by providing reliable and accurate reporting.

Tresa Selby is a Plan Consultant with nearly 12 years of industry experience. She is a Certified Pension Administrator and has experience with accounting and reconciliation.

Tresa serves clients best by listening, to determine their needs and find the best solution. She understands the importance of reliable information and ensures the accuracy of client statements. Her commitment to providing excellent service paired with her knowledge of client reporting result in an exceptional client experience.

Outside of work, Tresa enjoys spending time with her family. She has two grown children, a daughter in middle school and a toddler granddaughter. Tresa volunteers her time to her daughter's middle school by coaching the soccer team, acting as a team parent and organizing a school food drive.

Stephanie Delinois

Plan Consultant

Stephanie Delinois is the Plan Consultant who helps her clients understand their plan and its features in order to achieve the maximum benefit in their retirement plan.

People who know her can count on her to deliver her own style… thanks to her sewing skills and creativity.

When she is not deep into compliance testing or sewing herself a new pair of awesome pants, Stephanie enjoys traveling and learning to ride her new Harley Davidson.  Cruise ships, summer vacations and the beach are high on her list. She also has two children who fill her time with being a chauffeur to band practice and school events. Stephanie grew up in Alabama and graduated from Stillman College in Tuscaloosa. 

Prior to America's 401k, Inc., Stephanie spent over 15 years as an Accountant, specializing in Tax.

Adam

Adam Williams

Associate Plan Consultant

Adam Williams is an Associate Plan Consultant at America's 401(k), Inc. Adam ventured his way to the great state of Texas after receiving his Bachelor's degree in Business Administration from Missouri Southern State University. He will assist plan sponsors in maintaining regulatory compliance when it comes to calculating eligibility and employer plan contributions, annual testing, and government filings.

You can always count on Adam's availability because like he said he is new in town and does not have any obligations tying him down! His effort is never questioned because he has a positive attitude and is always ready to work. When not working, Adam is an avid fantasy football player, enjoys spending time outdoors, golfing, and attending church functions. He is currently working on correcting his snap hook off the tees.

Christina

Christina Davis

Plan Administrator

Christina Davis is a Plan Administrator who assists with various plans and compliance testing administration duties.

People who know her can count on her abilities turn a frown upside down with her quirky personality and to motivate others. She is always looking for her next grand adventure. Christina, born and raised in the Texas, graduated from the University of North Texas.

When Christina is not devoting her time to America's 401(k) Inc., you can find her exercising at the gym or in the kitchen trying out a new recipe. Prior to America's 401 (k), Christina spent her time working at homeless shelters devoted to improving the lives of women, children, and families.

Michelle Hanacik

Legal Assistant

Michelle Hanacik is a Legal Assistant working with Attorney David W. Ralston at America's 401k, Inc. on the ERISA Legal Team.

Michelle has worked with David Ralston for nine years in the preparation of plan documents for qualified employee benefit plans (including profit sharing plans, 401(k) plans, money purchase pension plans, and defined benefit plans), ensuring plans are updated timely and accurately to comply with Internal Revenue Service and Department of Labor requirements. Prior to working with David Ralston, Michelle spent several years assisting in preparation of estate planning documents and previously worked for the U.S. Bankruptcy Court for the Eastern District of Texas for 14 years.

Michelle most enjoys spending her free time with her husband Kent and their children and grandchildren. In addition, she enjoys quilting, classic movies, reading, geneology, and travel.

Betsy McKinlay

Legal Assistant

Betsy McKinlay is a Legal Assistant working with Attorney David W. Ralston at America's 401k, Inc. on the ERISA Legal Team. She helps in the preparation of plan documents for qualified employee benefit plans, ensuring plans are updated timely and accurately to comply with Internal Revenue Service and Department of Labor requirements.

Prior to America's 401, Inc., Betsy spent 16 years (not consecutively) working at a law firm in Dallas as a Legal Assistant in the areas of litigation, corporate, real estate, bankruptcy and family law and in the Accounting Department. Betsy is born and raised in Texas. She went to college at Harding University in Searcy, Arkansas where she received a Bachelor of Social Work degree which she used for a short time before receiving her paralegal certificate and the rest is history.

When she is not working, Betsy enjoys spending time with her husband and two kids. She also enjoys scrapbooking, photography, reading and traveling.

Kent

Kent Little

VP of Recordkeeping Operations

Kent Little positions employers and participants to achieve their goals by creating efficient processes that result in streamlined plan administration and high participation rates.

Serving retirement plan clients for more than five years, Kent graduated from Howard Payne University with a degree in business administration. Kent attends industry seminars each year to keep current on developments that can create efficiencies for clients' retirement benefits administration.

As Vice President of Operations at Retirement Investment Administrators (RIA), Kent strives to provide unique solutions in retirement plan administration that allow employers to focus on their business and give peace of mind to employees planning for a comfortable retirement. He employs multi-step process during the initial stages of transitioning a plan to the RIA platform to anticipate and problem solve any potential obstacles. He works closely with Plan Administrators to ensure a smooth and efficient onboarding experience and to provide the highest quality customer service.

Kent is an outgoing person and great conversationalist with a wide range of interests. He enjoys good craft beer, spending time outdoors, hunting, and reading. Additionally, Kent is a top-notch "peek-a-boo" player with his son, Colby.

Samer

Samer Ahmed

Client Services Specialist

Samer Ahmed serves the needs of clients by demonstrating a strong work ethic and positive attitude.

Serving the recordkeeping needs of retirement clients for two years, Samer graduated from the University of Texas at Arlington after earning his B.S. in Economics.

As a Client Services Specialist, Samer handles responsibilities related to 401(k) recordkeeping operations and ensures that all of his clients' daily needs are addressed. He understands that when a problem arises it is an opportunity in disguise, and he can create a resolution for it. Samer is dedicated to his position, as he believes that his work leaves a lasting impression on his clients.

Samer is a great conversationalist, having lived in several countries and among several cultures. He is fluent in three languages, a certified scuba diver and an avid soccer fan.

Iliana

Iliana Cano

Client Services Specialist

Iliana is the Client Services Specialist who helps employers and participants get the most out of their 401(k) and retirement plan needs. She enjoys working with clients to develop a strong, trusting professional relationship. She prides herself in her reliability and her willingness to always exceed the client's needs and expectations.

When not solving the world's retirement needs, Iliana enjoys exploring the great outdoors. She loves to go fishing and camping. She also has a strong passion for learning, which is why she is always on the hunt for a good book. Iliana grew up in Dallas and graduated from The University of North Texas with a degree in Accounting.

Prior to Americas 401(k), Iliana spent 10 years working in the dental field as a Healthcare Benefits Specialist. She was eager to make the change from helping clients save their teeth, to helping them save for retirement.

Sarah

Sarah Coppinger

Sales & Marketing Associate

Sarah Coppinger is the Sales & Marketing Associate who helps employers create the best 401(k) plan suitable for their company.

People who know her can count on her to be open, honest & throw in a good joke every now and again.

When not meeting with employers and branding America's 401(k), Sarah enjoys summertime, ice cream and being outdoors. She also is very competitive and likes (must) win at everything. Sarah is a born and raised Texan and is a recent college graduate from Texas Woman's University in Denton.

Prior to whipping employers into shape with America's 401k, Inc. Sarah spent 3 years in the fitness world working as a Pilates Instructor and Health Fitness Specialist helping people achieve their goals along with educating them on the importance of healthy living.

velta

Velta Burbach

Accounting Administrator

Velta has worked for America's 401k since 2000, and has worked in the Accounting Field for over 40 years. She has a well-rounded set of skills from billing to office equipment repairs. She is always willing to take inquiries from clients and assist to resolve any issues they may have. She is very dedicated to the company and the organizations we serve.

After graduating High School in Stuart, Oklahoma she attended College in Wichita Falls, TX and has lived in the Dallas area since 1966.

Velta and her husband Richard enjoy spending time with their 5 children, 10 grandchildren and 1 great grandson as well as camping, riding their Harley Davidson motorcycle and outings with friends. She makes frequent trips to Oklahoma to care for her sister and visit her best friend. Velta also enjoys a quiet day at home watching a good movie with Gunner and Willow, their Boston Terriers.

Stacy Jonas

Office Manager and Accounting Specialist

Stacy Jonas joins America's 401K, Inc. as the Office Manager & Accounting Specialist. She brings over thirty years of experience working in the North Dallas area employed in the edible Nut Industry. Much of her experience comes from managing a busy Sales and Marketing Office for the trading of nuts, seeds and dried fruit commodities. Stacy was responsible for the smooth operation of the office on a daily basis and wore many hats for different areas of responsibility in the Accounting, HR functions, Office, Investment Plans and Sales & Marketing of client accounts and the follow-through in Customer Service.

Stacy graduated from L.V. Berkner High School in Richardson, TX; attended Richland College and earned a Associates Degree in Business before obtaining her Bachelor's degree from the University of Texas at Dallas in Interdisciplinary Studies with a concentration in Human Resources.

Married to Roger and living in Garland, TX going on 30 years; they have a family of 4 children, 6 grandchildren and 2 pet dogs. Stacy enjoys watching FC Dallas MLS Soccer, The Dallas Cowboy Football games, walking the dogs, camping in the RV and spending time with the kids, grandkids, family and friends.

From going “nuts” in her previous position to joining America's 401K; Stacy's goal is always to make a contribution that is professional and results oriented to support the team and Company in the efficient and seamless operation of the office and accounting areas.