Meet Your Team

Forrest Boyd LaCurelle
Primary advisor

The founder of Consolidated Pension Consultants, Inc. and Retirement Network brings more than 50 years of experience and education in the fields of Retirement Planning and Wealth Distribution Design.

“The experience that I have achieved as a Primary Advisor has given me the insight to listen and work with my clients in establishing their needs and developing solutions for their financial security.”

Dennis gacutan
President of consolidated pension consultants inc.

Dennis brings more than 40 years of experience in the qualified retirement planning and administration field. With a degree in Economics and master’s degree work in business, Dennis has vast knowledge with innovative plan design, administrative services and systems, plan compliance, audits, and plan termination.

As a TPA, his firm works closely with other professionals in providing an easy, fluid transition from the accumulation of retirement benefits to wealth distribution gained through prudent planning and advice.


richard middleton
financial advisor

Credentials: I am a Registered Investment Advisor Representative and have been in the insurance industry since 1998. I am also a member of Ed Slott’s Elite IRA Advisor Group.

Role: It’s my responsibility to meet with families and help them create a plan that best fits their financial journey.

Best Part of My Job: I truly enjoy getting to meet new people and helping them become comfortable with their finances while implementing strategies that meet their needs.

victor yaneza
pension administrator consultant

Victor attended Pepperdine University for his Business Management degree. He also completed his professional designation with the National Institute of Pension Administrators (NIPA).

He has been a pension administrator and consultant for over 20 years. He helps business owners design a compliant 401(k) and pension plan. He believes the key to a successful retirement plan is to build a plan with flexible design features and a solid investment line-up. He is committed to keeping his clients and their employees educated in the rules and regulations in retirement plans.

patsy L. kramer
Wealth Distribution advisor and partner of Retirement Network

Patsy offers her expertise in collecting and entering data to create the mapping and charting out for the client’s wealth distribution and retirement planning.


Call Us

Office: 916.625.4298
Boyd's Mobile: 530.417.1129

Our mailing address

P.O. Box 540
Rocklin, CA 95677

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