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


James Couture, ARP, 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.



Michael Lemay, AIF®, PPC™



PHONE: (508) 749-0352

​How can you educate, motivate, and empower people to move to their goals?  Well, from an early age, Michael knew he wanted to solve that question and help people work toward financial freedom. So, Michael worked to learn the ins and outs of the tax codes of retirement plans,  so that he could provide his clients with objective, impartial guidance.


He offers attentive service and creative plan design strategies tailored to fit the unique situations of successful individuals and organizations. As a detail-oriented and goal focused steward, Michael practices a holistic approach to retirement plan analysis that taxes, insurance, cash flow analysis, control groups, mergers & acquisitions assessments, and business planning, while seeking to maximize overall efficiency within the framework of a prudently designed retirement plan.   


At CWM Retirement Plan Services, Michael’s areas of concentration includes: keeping clients happy, constantly learning and educating plan sponsors, and working to create plan designs that complement business goals.  


As an evergreen learner, Michael is a member of several professional associations, including the National Financial Management Association (NFMA), the National Association of Insurance and Financial Advisors (NAIFA), the Worcester Young Businessmen’s Association (WYBA), the Worcester Area Chamber of Commerce, Worcester Local First and the Worcester Community Action Council Advisory Committee.


After attending Saint Peter Marian Jr and Sr High School, Michael went on to graduate with honors from Bentley College, earning a B.S. Degree as a Major in Finance and a Minor in Law.   In his time at Bentley, Michael was an active member of the Bentley College Finance Honor Society and Alpha Sigma Phi. Michael resides in Worcester, Massachusetts with his wife, Emily. 


Jill Wasgatt, PPC™


PHONE: (508) 749-0354

Jill Wasgatt is the Vice President of Operations for CWM Retirement Plan Services. With over a decade of experience in the financial services industry, Jill manages the day to day operations of the firm and oversees the firm’s client service support staff.


Jill successfully earned her Professional Plan Consultant (PPC) designation, becoming one of the first women in the state of Massachusetts to do so in the process.

Out of the office, Jill enjoys spending time with her husband and two children and enjoys keeping up with celebrity gossip and reality television. She lives in Worcester, Massachusetts, where she was born and raised and graduated from Assumption College.



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.



Stephen Dilanian, CPFA


PHONE: (413) 328-2704


Steve specializes in areas of corporate and small business retirement plan consulting.  He assists on plan design as well as the ongoing support to provide independent, objective advice that businesses need to effectively run their retirement plans.


Through helping to increase tax deductions, helping to stay in compliance with the IRS and Department of Labor, and working to reduce the fee structures of the plan, Steve allows the plan sponsor to limit his/her personal liability and to ultimately run a focused and purposeful plan. After attending the Belmont Hill School in Belmont, MA, Steve went on to graduate from Trinity College in Hartford, CT, where he majored in both Economics and Political Science.


He began his career working in a small family business and has had experience in corporate technology sales as well as investment consulting. Steve grew up in Needham, MA. He now lives in Charlestown, MA and enjoys playing ice hockey, golf, and baseball.


Bernadette Townson


PHONE: (508) 749-0355

E-MAIL: btownson@cwmretirement.com

Bernadette has worked in the retirement industry as both plan administrator and plan design specialist over 20 years.  Bernadette has been through 3 Restatements, GUST, EGTRRA and PPA and lived to tell about it.

While not working or bracing herself for the next restatement, Bernadette loves to spend time with her family, being a roady for her son’s band, spending time at the gym spinning and spontaneous traveling.



Amber Boutin



PHONE: (413) 304-2690


Amber Boutin is an Enrollment Support Specialist in the West Springfield, Massachusetts office. Amber has an extensive background in the banking and financial services industry in both compliance and customer support. Amber helps create a smoother retirement plan experience for Plan Sponsors by handling many of the logistical aspects of enrolling new participants into a company retirement plan.

In her free time, Amber loves to spend time with her fiancé Todd and daughter Hayleigh. Amber enjoys being out on her boat and surrounding herself with friends and family. She currently lives in Chicopee, Massachusetts, where she was born and raised.



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


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


11 Foster Street, Suite 200

Worcester, MA 01608

OFFICE:   (877) 712-2263

WEB:        www.cwmretirement.com

EMAIL:     info@cwmretirement.com