Biographies of Key Team Members

Chuck Rau
Chuck Rau is 401kLoans' Chief Executive Officer. He brings over 25 years of experience serving the lending documentation and compliance marketplace in the financial services industry, with 7 years of direct involvement in the retirement plan services market. Chuck was responsible for IRA documentation, training, and administration, as well as Qualified Plan administration and recordkeeping. Chuck's experience comes from several positions held throughout his tenure with Bankers Systems, Inc., including Vice President of Retirement Plan Services and Operations, Vice President of Solutions Management, and Executive Director of Operations. As a member of the executive team, Chuck was involved in all aspects of corporate directions including strategic planning, sales, marketing, product development, operations, and fulfillment. Chuck is known by his colleagues as a collaborative leader who is very much focused on understanding customers' needs and bringing value to their operations.

Chuck is a graduate of St. John's University, Collegeville, Minnesota, where he earned a Bachelor of Science degree in Accounting.

Scott Warzecha
Mr. Warzecha is 401kLoans’ Chief Information Officer. His is also the founder and CEO of Netgain Technology, a regional leader in creating and maintaining host integrated, e-business software solutions. Netgain served as 401kLoans’ development partner in building the Loan Origination and Documentation Software and is the ASP responsible for maintaining and hosting it.

Prior to founding Netgain Technology, Mr. Warzecha served as an advanced technology consultant with a large Minnesota-based VAR. He worked closely with his clients to design and implement advanced technology solutions. He has provided technology solutions to many of the largest, regional companies including, Bremer Financial Services, Kraft General Foods, Woodcraft Industries, Stearns Manufacturing, CentraCare Medical Center, International Paper, Quebecor Printing, and now 401kLoans. Mr. Warzecha’s colleagues characterize him as being an honest, knowledgeable, creative achiever.

Mr. Warzecha earned his undergraduate degree from Concordia College in St. Paul, Minnesota with a Bachelor of Arts degree in Marketing/Management.

Whitney Johnson, Esq.
Whitney Johnson provides legal services to 401kLoans. He brings over 16 years of legal experience in the areas of ERISA, retirement plans, banking, and lending law. Whitney served as Director of Retirement Plan Services at Bankers Systems, Inc. and spent 14 years at Bankers Systems in a variety of roles supporting Retirement Plans and other banking compliance solutions. His experience includes drafting prototype plan documents, reviewing documents for compliance, working with regulatory agencies on compliance resolutions and providing legal support to a department of over 90 retirement plan employees. He is the author of numerous articles and two books in the retirement area: IRA Answer Book, 5th Edition (2000), Panel Publishers (also other editions) and IRA Answer Book: Special Supplement on Roth IRAs (1998). Furthering Whitney’s experience, he served as an appointed member to IRPAC representing the retirement community. IRPAC appoints members to represent various industries and sponsors 6 meetings per year with formal papers presented twice per year. Whitney gives frequent presentations in the retirement area and has spoken at national events for a number of associations, including the American Bankers Association and The Independent Community Bankers Association. Whitney also serves as an adjunct professor.

Whitney earned his J.D. at the University of Minnesota and has a Bachelor of Business Degree with a Finance major from the University of Wisconsin – Madison.

Keith H. Clark, Jr.
Keith has over 17 years of employee benefits experience, and 5 years of business strategy consulting. Keith’s employee benefits service background includes recordkeeping administration operations, trust operations, mutual fund clearing, plan design, investments, and trust reporting.

Keith is a frequent speaker and writer, and was named one of the top 401(K) consultants by Pension Management Magazine in December of 1995. Before starting DWC Consultants, Keith was a principal in charge of the investment advisory and employee benefits practice at LarsonAllen, Midwest Defined Contribution Line of Business Leader for Coopers & Lybrand, Officer at Bankers Trust, and a recordkeeping administrator with Hewitt Associates.

As a popular speaker and writer, Keith is known for his entertaining and direct approach to the major topics in the industry. He is the author of the book, “The Defined Contribution Handbook, a Guide for Service Providers and Advisors”.

Keith’s holds a Masters of Business Administration from Auburn University and a Bachelor of Science in Economics from the University of Minnesota.
In his free time, Keith enjoys running, reading, teaching, coaching, golf, and the theatre.

Richard A. Hochman
Mr. Hochman is President and COO of the McKay Hochman Co., Inc., an employee benefits consulting firm. He supervises a team of attorneys and consultants in the design, drafting, and support of prototype and custom documents for financial institutions, brokerage firms, insurance companies, pension consultants, and individual plan sponsors. Additionally, he regularly participates as an instructor in continuing education programs sponsored by the firm around the country, and in specialized on-site programs at client locations. He has also spoken at a variety of pension industry forums including the Enrolled Actuaries Meeting (EA), various American Society of Pension Actuaries (ASPA) conferences, National Institute of Pension Administrators (NIPA) conferences and chapter meetings, the Federal Financial Institutions Examination Council (FFIEC) training meetings, the Creative Pension and Benefits Seminar sponsored by the Ohio State University College of Law, and numerous state banking association meetings.

Mr. Hochman has provided written commentary and testimony in Washington, D.C. on regulatory issues on matters relating to qualified retirement plans on behalf of clients.

He earned a B.A. degree in Political Science, a B.S. degree in Business Administration, as well as Master of Business Administration and Juris Doctor degrees from the State University of New York at Buffalo. His undergraduate degrees were awarded in 1975 while his graduate degrees were awarded in1979.

W. Andrew Larson, CPC
Mr. Larson is the Dean of the PLANSPONSORinstitute. Mr. Larson’s 23 years in the benefits industry includes 21 years with Universal Pensions, Inc. and two years with BISYS. He is a frequent lecturer on retirement and benefits related topics and has conducted over 400 presentations nationally to groups including the AICPA and various banking and trust associations. He oversaw the development of Universal Pensions, Inc. recordkeeping and client services divisions, the education and consulting division and launched the UPI Corporate University and certification programs. He has also been extensively involved with retirement product design and advanced sales support. He is the author of “The 403(b) Administration Manual” and has contributed articles to various industry periodicals and newsletters. He has served as an adjunct professor for the Minnesota Central Lakes College system and provides expert witness services on various industry topics. He is a graduate of the University of St. Thomas in St. Paul, Minnesota and received his Certified Pension Consultant designation from the American Society of Pension Actuaries in 1992.