Founded by Partners John Tuttle and Kishan Perera, BDS has grown to 10 associates who individually specialize in Group Health, Disability, Life Insurance, Corporate, Personal and Trust Investments, Pension Plan Administration and Cafeteria Plans. Most of our staff have been with us for over 5 years, and some for over 10 years. Their experience, education, and commitment ensure that we have the knowledge and desire to provide our clients with the best possible service.
John Tuttle, CLU, ChFC, is the President of Benefit Design Services Corp and is also a Wealth Management Advisor and Retirement Plan Specialist with over 36 years of experience in insurance and investments. He is the Managing Member of BDS Retirement Services, LLC which provides design, communication, and consulting services to qualified retirement plans.
In his role as a Trusted Advisor, John helps business owners, professionals, and their families make wise decisions to secure their future through a comprehensive planning process. The 4 step process involves:
- Discovery leading to Clarity
- Creative Solutions leading to Decisions
- Implementation leading to Results
- Management leading to Confidence
John has served as President of both the CNY Chapter of the Society of Financial Services Professionals and the Syracuse Association of Insurance and Financial Advisors (SAIFA) and has been awarded the Distinguished Service award from both organizations. He is also a Past President of the NY State Association of Insurance and Financial Advisors. Currently he serves on the National Investment Committee of National Ski Patrol and is a member of the Finance committee for the Eastern Division National Ski Patrol.
John did his undergraduate work at Middlebury College and received Masters of Science in both Financial Services (MFSF) and Management (MSM) from the American College.
Kishan Perera is the Vice President of BDS. Since BDS was founded in 1991, he has focused on the design, implementation, and administration of benefit programs. His expertise includes formulating long term benefit strategies for employers and handling compliance and regulatory issues governing benefit plans.
Kishan has won the Soaring Eagle Award every year since 2012. It is the highest honor given by the Leading Producers Round Table to recognize National Association of Health Underwriters members who have achieved the greatest success in demonstrating exceptional professional knowledge and outstanding client service. He’s an MBA graduate of Syracuse University, a QPA designated member of the American Society of Pension Professionals & Actuaries (ASPPA) and has earned the Enrolled Retirement Plan Agent (ERPA) designation. He is also ACA and NYSOH certified, Past President of the Greater Central New York Association of Health Underwriters, a board member of the New York State Association of Health Underwriters, and an active member of National Association of Insurance and Financial Advisors and New York Employee Benefits Conference.
Beth Miccio joined BDS in 2014 as an assistant to John Tuttle. She has an A.S. degree from Onondaga Community College and extensive experience in banking, bookkeeping, case management and customer service. Her duties include bookkeeping, customer service, and providing support for BDS Retirement Services.
Christine Smith has been with BDS since 2000. As the lead in her Client Relationship Manager role, Chris ensures that all current and future pension clients’ needs are monitored and met with exemplary service. She works both internally with our Pension Administrators and with clients to focus on operations, 401k installations/conversions, pension proposals, service-related functions and maximizing customer satisfaction. Chris is a graduate of Columbia College and has her Series 6, 63, 7 & 66 securities licenses as well as her Life, Accident & Health and Variable Products licenses.
Jeffrey Randolph joined BDS in 2006. He earned a B.S. in Ceramic Engineering from Alfred University and an M.B.A. from Pennsylvania State University. He was previously the president and owner of Bomac Inc., a firm that specializes in industrial control systems. He is life, health, and securities licensed. Jeff’s primary focus is assisting investment and retirement clients in the preparation of financial plans utilizing needs-based analysis and innovative solutions for his clients’ personal and business needs.
Kimberly Fitzpatrick joined BDS in 1994. She attended SUNY Canton and received her degree from Onondaga Community College in Business Administration. She is a member of the Greater Central New York Association of Health Underwriters and licensed in life, accident, health and disability. Kim is also the Office Coordinator, managing day-to-day office operation. She services group clients with their health, life, dental and disability insurance needs and is ACA and NYSOH certified.
Julie Muolo joined BDS in 2017. She has her Associate, Life and Health Claims (ALHC) designation, is licensed in life, accident, health and disability and has extensive experience in claims adjustment, business operations, and pharmacy benefits administration. Julie services group clients with their health, life, dental and disability insurance needs.
Penny Buck joined BDS in 2008 and has a B.F.A. from Syracuse University. She is a member of the Greater Central New York Association of Health Underwriters and licensed in life, accident, and health. She is ACA and NYSOH certified and is also certified to sell individual Medicare products. Her duties include preparing proposals for new and existing clients and assisting group clients with their health, life, dental and disability insurance.