We support businesses by offering accurate, customized, and creative
retirement plan administration.


Jim Couture, AIF, APR, CPFA, PPC™


PHONE: (508) 749-0350 

With a passion for helping business owners through smart plan design, Jim assists businesses with the structure, implementation and oversight of their employee and executive benefit plans. His goal is to help busy business owners attract, retain, and reward their best employees. As a business owner, Jim understands the long work nights and the importance of stellar team players.


Jim’s areas of concentration include:


  • Qualified Retirement Plan design assistance, with an emphasis on the management of New Comparability, Safe-Harbor, Alternative, and Cash Balance Plans.

  • Executive Only Retirement Plans, Deferred Compensation Plans, and ERISA Excess Plans.

  • Tax minimization strategies for high income small business owners.

  • Fiduciary Risk Management.and Mitigation

To keep up to date with new ideas, Jim stays sharp by earning his Accredited Investment Fiduciary (AIF), Accredited Pension Representative (APR), Certified Plan Fiduciary Advisor (CPFA) and Profession Plan Consultant (PPC) designations. He is an active member of the National Association of Plan Advisors (NAPA), the National Institute of Plan Administrators (NIPA) and the American Society of Pension Professional & Actuaries (ASPPA).  Also, Jim loves acronyms.

Jim is a graduate of Brandeis University in Waltham, Massachusetts and St. John’s High School in Shrewsbury, Massachusetts. He lives in Bellingham, Massachusetts, with his wife Erin, their two daughters, Caroline and Lauren and their two dogs, Zoe and Daisy. In his spare time, Jim enjoys grilling, gardening, and tending to his wine and car collections.



Elizabeth Gaskins, TPA

BPPC Plan Consultants

A Division of CWM Retirement Plan Services, LLC

PHONE: (413) 328-2704


Beth Gaskins is a Senior Plan Administrator for CWM Retirement Plan Services. With almost 20 years of experience, she has worked in all areas of defined contribution plan administration from plan design and implementation to annual reporting and disclosure.


She manages plans of various size and complexity and provides IRS audit assistance when needed. Beth enjoys working closely with clients and takes pleasure in seeing plan sponsors and their employees prepare for and reach the end goal…. retirement!

During her time off, Beth enjoys being a mom to 2 daughters and 2 dogs, and an aunt to 2 nephews.  She also loves cooking, hiking, and sports - especially tennis. VAMOS RAFA!



Beth LoConto


PHONE: (508) 749-0353

E-MAIL: bloconto@cwmretirement.com

Beth LoConto joined CWM Retirement Plan Services as a Senior Plan Administrator in January 2020. Beth has over 30 years of experience in the retirement planning industry, working in all areas of plan administration, from new business implementation to plan termination and everything in between.


She understands that retirement plans come in all shapes and sizes, with various levels of complexity, and welcomes the variety of challenges and opportunities that come with the territory.


Beth enjoys working closely with clients and takes pride in her ability to provide high-quality customer service. Beth resides in Worcester where she was born and raised. She is a graduate of Notre Dame Academy and attended Assumption College where she majored in accounting.


In her spare time, Beth is an avid supporter of the local performing arts community by volunteering and attending various live shows and performances in the greater Worcester area. She also enjoys baking, crocheting, and spending time with friends and family, including her two adult children, Alex and Victoria.


Beth Shanley


PHONE: (508) 749-0350 


Beth Shanley joined CWM Retirement Plan Services in 2014, bringing with her over a decade of experience in the banking industry. As a Distribution & Contribution Support Specialist, Beth assists Participants who are looking to take loans or distributions from their retirement plan accounts and assists Plan Sponsors with the logistics of remitting contributions in a timely and accurate manner. 

Out of the office Beth enjoys family time with her two sons and daughter in-law. Beth also enjoys her two favorite hobbies, quilting and knitting; Beth is currently the only person at CWM who knows how to do a Blind Stitch or knows what a Y Seam is. Beth was born and raised in Worcester, Massachusetts and now lives in Holden, Massachusetts. 



Yvette Casillas


the low cost, easy to use, simple to management retirement plan

PHONE: (508) 749-0359

E-MAIL: ycasillas@cwmretirement.com

Yvette joined CWM Retirement Plan Services in 2018, bringing with her more than 25 years of experience in Retirement Plan Operations and New Business Implementation, across both large banks and mutual fund environments.


Yvette works exclusively to support the Plan Sponsors and participants utilizing the CWM(k)—a low cost, easy to use and simple to manage retirement plan.  


Yvette currently lives in Southern California. She is an animal enthusiast and sports fanatic. She loves hanging out on weekends with her family and her pets.  Her favorite time of year is Fall, when she can enjoy Baseball, Football, Hockey and Basketball on the same day, even if its pre-season. 



CWM Retirement Plan Services, LLC


34 Grafton Street, suite 4

Millbury, MA 01527

OFFICE:   (877) 712-2263

WEB:        www.cwmretirement.com

EMAIL:     info@cwmretirement.com