Retirement Actuarial Services is a team of professionals who specialize in Qualified Retirement and Tax reduction planning. Our goal is to bring customized retirement planning and exceptional customer service to small business owners. We work and collaborate with your tax advisor to create a team that understands how to design, implement and maintain powerful strategies that big business’s use to create wealth.

Our firm host and provides continuing education to CPA’s every year to educate and update them on strategies that can significantly change the small business owner’s life and changes in regulation to Tax Qualified retirement planning.

Our Team

Our Actuarial team holds various Professional designations and is part of the American Society of Pension Professionals (ASPPA), National Institute of Pension Actuaries (NIPA), the Joint Board for the Enrollment of Actuaries, members of the American Academy of Actuaries, & the Society of Pension Actuaries.

After many years of working in the financial services industry, Retirement Actuarial Services was launched by Stephen Arnold, CEO/Founder, and his Co-Founding partners Kathleen Bellucci and Zak Kenne. Before launching RAS, Stephen worked for Mass Mutual for a short time before starting his own independent wholesale insurance brokerage. He trained, managed, and serviced hundreds of independent insurance agents before focusing on advanced strategies for affluent and wealthy people. Over the years, Stephen learned about key changes in Cash Balance laws, Defined Benefit plans and how they work, and implemented strategies for his own business. Soon after, when working with successful business owners, he realized that they were not being educated on proactive tax reduction and accelerated retirement plans from CPAs or Financial Advisors.

This lack of education and resources in the financial and tax preparation industry has left business owners relying on options like 401k and SEPS that are inadequate for their needs in 5 key areas. Tax Reduction, Accelerated Retirement Savings, Cost-effective employee benefits to retain good employees, saving enough for the high cost of health and medical expenses in retirement, and creditor protection.

Now, with our collective experience with over 600 plus custom-designed cash balance plans spanning over the last ten years and Retirement Actuarial Services full-service TPA firm opening in 2019, we are proud to bring this invaluable knowledge and services to CPAs, Financial Advisors, and Small Business owners nationwide.

Stephen Arnold CRPS


STEPHEN ARNOLD: is the Founder/CEO of Retirement Actuarial Services. As a CPA Team Based Consultant, he Provides ongoing education to CPAs on a wide range of topics and advanced tax reduction and retirement planning strategies. He holds a professional designation from the College of Financial Planning as a Chartered Retirement Plans Specialist, educated in the specific area of small business, design, implementation and maintenance of retirement plans. He holds a Series 65 Uniform Investment Advisor Law License and is a Registered Investment Advisory Representative with Brookstone Capital Management. Stephen has been in the financial services industry for 18 years and is a U.S. Marine. His favorite charity is ASPCA for Animals and Wounded Warriors.

Kathleen Bellucci, CRPS


KATHLEEN BELLUCCI: is Co-Founder of Retirement Actuarial Services and a Plan Design Specialist. Kathleen has been in the financial services industry for 20 years. Kathleen brings a wide range of knowledge and expertise to the firm. She holds a professional designation as a Chartered Retirement Plans Specialist from the College of Financial Planning. Kathleen has served on the board of directors & volunteered for (NAIFA) National Association of Insurance and Financial Advisors, International Association of Working Mothers (TIAWM), Women’s Money National Council, Women of the Sterling Club, Women in Construction, & Henderson Chamber of Commerce. Kathleen is the former Women’s Money Blog Talk Radio Talk Show Host & Initial President of the 1st Local Chapter of TIAWM.



ZAK KENNE: Is Co-Founder of Retirement Actuarial Services and began his career in 2006. He began to design plans by 2008, and now specializes in not only designing new plans, but altering current plan designs to be more effective and efficient. Zak is an Enrolled Actuary through the Joint Board for the Enrollment of Actuaries, a Member of the American Academy of Actuaries, a Member of the Society of Pension Actuaries as well as a Qualified Pension Administrator and Qualified 401(k) Administrator through the American Society of Pension Professionals and Actuaries.