Carolyn Lloyd-Cohen LLC

Carolyn Lloyd-Cohen, CLU, ChFC, AEP, AIF®

Founder and Chief Executive Officer

A financial services professional since 1977, Carolyn specializes in the areas of qualified pension plans, wealth management, insurance, business succession planning and estate planning. She founded Carolyn Lloyd-Cohen LLC / Preferred Pensions LLC in 1982 to provide financial solutions for high net worth individuals and business owners through a uniquely client-centered approach. As chief executive, she also leads the business development and marketing efforts, and continues to create systems and processes to further enhance the client experience. A native of Indianapolis, Indiana and a graduate of Indiana University, Carolyn has lived in England, France, Germany and South Africa. Her interests include art, theater and languages, and she is conversant in French and German. Especially interested in animals, both wild and domestic, she has served on the Health Sciences Committee of the Wildlife Conservation Society, and enjoys competing in canine agility with her German Shepherd, “Saksie.”


  • Chartered Financial Consultant
  • Chartered Life Underwriter
  • Accredited Estate Planner
  • Accredited Investment Fiduciary

Professional Memberships

  • American Society of Pension Actuaries
  • Association for Advanced Life Underwriting
  • Estate Planning Council of Bergen County (past president)
  • Estate Planning Council of New York City (past board member)
  • Financial Planning Association
  • Asset Mark, Inc. Gold Premiere Consultant (past Field Advisory Board Member)
  • National Association of Estate Planners and Councils
  • National Association of Insurance and Financial Advisors
  • Partners Financial (past member of the advisory board)
  • Society of Financial Service Professionals

Collette Burnett

Manager of Operations and Client Services

Collette Burnett has been working in the insurance and financial services business since 1987. She joined Carolyn Lloyd-Cohen LLC / Preferred Pensions LLC in 1995. As Manager of Operations and Client Services, she is responsible for new business preparation and underwriting, individual client investment account management, compliance and general office management. A native New Yorker, Collette enjoys cooking, traveling, especially to Maine, motorcycle riding and her four-legged friends. In 1999, she and her husband Rob, married 25 years in 2014, established Aristotonks cattery, where she breeds Tonkinese cats. Her felines have won numerous photo contests, made television commercials, appeared in the Cat-A-Day calendar, and were featured on the Animal Planet Cats 101 program and the Martha Stewart show in January 2010. Collette and Rob are also dog enthusiasts, sharing their home with four canines including an Italian Greyhound, Whippet, Chihuahua mix and “Shiffon” (Brussels Griffon/Shi Tzu mix).


Heidi Ruberto

Director of Pension Services

With thirteen years of business experience in customer service and sales/marketing administration, Heidi joined our company in 1996. Her major responsibilities include third party administration for a range of retirement plans, including profit sharing, 401(k), defined benefit, and safe harbor plans. She is the primary liaison between our actuarial department and investment company representatives, plan sponsors/trustees and participants; and also ensures that all procedures, including applications and filings, are SEC-compliant. Heidi is a native of Saddle Brook, New Jersey, and she prepared for a business career at the Century Institute in Hackensack. A “big time” fan of the Indianapolis Colts, she also enjoys walking and hiking, decorating her home for Halloween and Christmas, spending time with family and friends—and shopping for shoes.


W. Michael McNair, CFA®, CFP®

Director of Investment Services

After serving as an associate analyst in the equity research division of Citigroup Investment Research for more than a decade, Michael joined our team in January 2010. His responsibilities include fiduciary review for all investment clients, analyzing advisory investment accounts and qualified plan investments, and evaluating wealth management strategies and products with a focus on optimal results and volatility management. A native of Maywood, New Jersey and an honors graduate of Rutgers College, he is Series 7 and 63 licensed by the Financial Industry Regulatory Authority and the National Association of Securities Dealers. Michael is a CFP® charterholder and a CFP® professional. His interests include reading, exercise and rooting for the New York Yankees and Pittsburgh Steelers, and both he and his wife enjoy cooking together – quality time in the kitchen.


Maura Gill

Director of Administrative and Policy Holder Services

Maura worked as a legal assistant for nine years prior to accepting her position with our company in 2008. She is responsible for general office administration and policy holder service. In addition, Maura assists with pension services and invoicing. She grew up in Chatham, New Jersey, and earned an Associate’s Degree from Stafford Hall. A dedicated and energetic volunteer, she is past President of the Town Club of Mountain Lakes, a community service organization. For two consecutive years, Maura chaired the Spirit 5k Footrace, an annual event that under her leadership raised money for the Medical Needs Foundation, a non-profit that assists Morris County residents in meeting medical and health related needs beyond the scope of standard health insurance. Maura’s husband, Jim Gill, is a civil trial attorney, she has a daughter, Keavy, attending Boston College, and a very adorable Maltese named Sophie.


Pamela Berardi

Executive Assistant to Carolyn Lloyd-Cohen

Pam joined our company in 2011 with eight years experience in the insurance industry and holds life insurance and property and casualty licenses. She also has prior experience in computer consulting, construction and as a personal trainer. Pam is married with four children and lives in Chester, New Jersey. She enjoys traveling, reading, opera, ballet and the theatre. She is also the proud owner of an adorable Yorkshire Terrier.


Patrick Turbett

Controller/Chief Financial Officer

An educator and an entrepreneur before joining our company in 2000, Patrick is responsible for accounts payable and receivable, works closely with our accountant in budget development and tax preparation, and provides strong support in developing human resources processes and systems. He was born and raised in Ohio, where he earned a bachelor’s degree from The Ohio State University. His major hobby is dog agility training: teaching his German Shepherd Oscar, to navigate through a timed obstacle course—through hoops, down ramps, over hurdles, and more—by following his voice, hand or body signals. At NADAC (North American Dog Agility Council) and other agility trials, dogs and handlers are scored on speed and accuracy, with rules focused on safety. It’s a challenging sport, and one of the fastest growing in the nation.

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Preferred Pensions LLC is not affiliated with Kestra IS or Kestra AS. Kestra IS and Kestra AS do not provide tax or legal advice.
This site is published for residents of the United States only. Registered Representatives of Kestra Investment Services, LLC and Investment Advisor Representatives of Kestra Advisory Services, LLC may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be
delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed.
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department at 512-697-6000.
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