Shayna Osborne, APA, ERPA

Shayna Osborne, ERPA, APA, APR

Shayna Osborne is an expert retirement plan consultant with more than 35 years of experience. She is an Enrolled Retirement Plan Agent (ERPA), helping place her among the top tier of pension industry professionals, and is an Accredited Pension Administrator (APA) as well. Some might say that the industry is in her blood as both she and her brother are second generation retirement plan consultants!

Guided by a fervent belief in giving back to the industry and developing the next generation, Shayna is the incoming president for the National Institute of Pension Administrators, and is on both its board of directors and Education and Professional Development Committee.

As a business owner herself, Shayna truly understands the needs of her clients and believes that every employer is unique. She is passionate about how Osborne & Associates partners with their clients so that they can reach their retirement goals by utilizing the benefits of a qualified retirement plan.

Shayna prides herself in the ability to leverage her credentials, years of experience, and highly personal approach to customize her clients’ retirement plans. Their wide range of needs – from planning for a comfortable retirement to maximizing tax savings to crafting a retirement plan that attracts and retains employees – keeps her energized about the retirement plan industry.

Shayna’s ERPA accreditation, which is approved by the Internal Revenue Service, allows her to practice before the IRS regarding retirement plan issues. She specializes in defined benefit and defined contribution retirement accounts for small to large corporations including, but not limited to: Profit Sharing, Pension, 401(k), Cash Balance and Defined Benefit/Defined Contribution Combo Plans. Shayna is thankful she has a loyal client base who can attest to her practical, personal experience in finding targeted solutions that carry a high level of comfort and satisfaction.

Shayna and her husband enjoy their growing family of three adult children and their partners, as well as four grandchildren. When she is not working with clients, Shayna is enthusiastically spending time outdoors, cooking and wine tasting, and relishing time with friends and family.

"Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful." - Albert Schweitzer

Wade Osborne, APA

Wade Osborne

It sounds odd to say, but it's true...The Retirement Planning Industry is all I've ever known.

Beginning with childhood, my family was involved in the Industry with a family-owned business. As a child, my allowance came from working there. I continued to work there throughout college. Immediately after college I went right into the business.

I spent several years learning everything I could about the Retirement Planning Industry. Then our family-business was sold to a large Insurance Company where I spent a decade running their Retirement Planning division. This was an important period for me; it expanded my view of business and the Industry.

Eventually I made the decision to try owning my own Retirement Planning Company. I purchased the division I was running and went out on my own for a little over a decade.

A few years ago it became clear that it was time to enter a Partnership and The Osborne Organization was merged into Osborne & Associates.

This Partnership feels wonderful and it's interesting to see how everything has come around full-circle. Now I'm watching our kids return from college and enter this once-again, family-business...just as I did almost 30 years ago.

So while it is both true and odd that the Retirement Planning Industry is all I've ever known during my lifetime, it is also true that I say those words with pride and a tremendous amount of gratitude.

Retirement Plan Administrators:

Marcein Tucker, QKA

Marcein Tucker, QKA

Marcein Tucker is a senior retirement plan administrator with more than 30 years of experience in the pension administration industry. She moved back to California from Alaska in 2004 and has been part of the Osborne & Associates family ever since! Marcein has a Qualified 401(k) Administrator designation, or QKA, from the American Society of Pension Professionals & Actuaries, one of the country’s leading pension professional organizations.

A highly mathematical person, Marcein is particularly excited by the challenges of reconciling broker accounts and complex trust accounting. That said, her vast experience with all facets of retirement plan administration make her instrumental to her clients, whom she treasures. Marcein also thrives in addressing the complicated issues that can arise on a daily basis in the pension administration industry.

Marcein shares her home with and cares for her disabled brother, Richard. She also shares her home with horses, cats, chickens and a goofy girl-dog named Sophie. Marcein is especially proud of her two daughters, five grandchildren and three great-grandchildren and spends as much time with her family and friends as possible. In her spare time – when she has it – Marcein loves traveling, reading, listening to music, and cooking.

“Love the life you live. Live the life you love.” - Bob Marley

Denise Cueto

Denise Cueto, APA

Denise Cueto, O&A's newest Accredited Pension Administrator (APA), has more than a decade of experience in the pension administration industry. Denise earned her APA after coming to O&A as an administrative assistant.

A determined, adaptable team player, Denise is always focused on providing excellent customer service. Her experience has proven she knows pension administration from A to Z.

Denise earned her Bachelor of Science in Business with an Accounting Concentration from California State University, Stanislaus. She is bilingual, being fluent in Spanish. In her spare time, she enjoys attending sport events, going to the movies and spending time with friends and family, especially her two daughters.

“Shoot for the moon. Even if you miss, you’ll land among the stars.” - Les Brown

Christina Davis, APA

Christina Davis

Christina Davis is the newest retirement plan administrator to join O&A's stellar team. She brings more than seven years of strong pension plan experience and customer service with a wide variety of plans and professional responsibilities., and is working on obtaining her Accredited Pension Administrator designation.

Christina earned her Bachelor of Arts in Economics with a Minor in Psychology from the University of North Texas. She spends as much time as possible with her niece, who is a toddler. When weather allows, she is an outdoors enthusiast, enjoying backpacking, trail running, fishing and, most recently, archery. Christina is also on the road to becoming a volunteer firefighter.

"I've learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel.” - Maya Angelou

Administrative Assistants:

Sue Ceballos

Sue Ceballos

Sue Ceballos is an administrative assistant/junior retirement plan administrator with more than seven years of experience in the pension administration industry. She has earned distribution and loan administrator certificates from the National Institute of Pension Administrators (NIPA), one of the country’s leading pension professional organizations, and is working on becoming an Accredited Pension Administrator (APA).

As a prior business owner herself, Sue places a premium on customer service, an understanding she brings with her in supporting Osborne & Associates retirement plan administrators. Sue assists with all areas of daily plan administration, preparation of annual administration packets, and participant distribution requests. Sue is particularly adept at both the reconciliation of trust accounting and the accounting of broker statements. Her expertise and willingness to go the extra mile are an essential part of the Osborne & Associates team.

Sue has two adult children and one grandchild, and enjoys walking her dog and visiting with family.

"Life is what you make it. Always has been, always will be." - Eleanor Roosevelt

Director of Operations

Ashlee Pacheco, APA

Ashlee Pacheco, APA

Ashlee Pacheco is a retirement plan administrator and part of the third generation of Osborne retirement plan consultants! She has been with Osborne & Associates for more than 10 years, and is currently its director of operations, focused on maximizing O&A’s operational efficiency.

Ashlee has developed an exceptional perspective and knowledge base during her first decade in the pension administration industry by working on nearly every aspect of a qualified retirement plan. Having started with data entry and clerical duties before moving to plan administration, Ashlee is better able to positively impact every aspect of O&A’s needs. Her commitment to quality customer service also helps ensure that Osborne & Associates’ robust tradition of top-notch, dedicated support for each client is maintained.

Ashlee earned her Bachelor of Science in Business Management from the University of Phoenix. She and her husband are parents to two highly-spirited young boys as well as two canine companions. When not working, Ashlee enjoys home projects, baking, and spending time with friends and family, often at live football, baseball and entertainment events.

"If opportunity doesn’t knock, build a door.” - Milton Berle