About us
Company Overview
Modern Capital Executive Solutions is a leading consulting firm in the non-profit and for-profit space, with a niche specialty in key personnel retention & reward programs, as well as investment & expense mitigation. With over 75 years of combined, we are better positioned than ever to deliver solutions consistent with the objectives of our clients.
How We Help
Long-term Partnership
All plans we design, implement, and service are backed by the long-term resources of our parent company Modern Capital Executive Solutions.
Service
Each client is assigned an in-house service team, not a third party administrator or impersonal call center, to respond to your needs and manage the daily requirements of your benefit plan.
Administration
You and your participants have online access to the benefit plans. All of your due diligence and carrier reports, accounting entries, policy values, and more are available online in a secure, SOC 1 certified portal.
Ongoing Regulatory Compliance
Your client service team is supported by the South Carolina based law firm of L.W. Cooper Law Office, experts in state and federal regulations affecting executive benefits.
Advocacy
Modern Capital Executive Solutions engages the law firm of L.W. Cooper Law Office to represent client interests to state and federal regulatory agencies. The firm maintains direct relationships with these agencies and are frequent speakers at regulator events.
Our History
Modern Capital Executive Solution’s history of consulting on key personnel retention & reward programs, as well as investment & expense mitigation, extends more than twenty years.
Founded in 2000, Rethink, LLC managed the operations of insurance and investment companies for a decade before creating its own investment advisory, broker dealer and risk management businesses. Today Rethink operates under Modern Capital Inc, managing two FINRA registered broker dealers, a retail Registered Investment Advisor, an institutional Registered Investment Advisor and a full-service insurance agency. Further, the creation of Modern Capital Executive Solutions led to our specific vision to specialize in developing executive benefit plans, as well as investment & expense mitigation, for any organization.
More specifically, we know there isn’t a secret sauce for designing executive solutions. Frankly, it’s a back-to basics approach—due diligence, compliance, and service—that outperforms all others. Throughout the many changes in the non-profit and for-profit sectors, our focus on safety and soundness has not changed. From design, implementation, to on-going servicing & administration, we carefully monitor your plans to ensure compliance and performance in the face of changing regulations and markets.
Our Team
Ryan is a Managing Partner and CEO of Modern Capital Executive Solutions in Boston, MA. As a former Senior Partner of Stearns Financial Group & Regional Vice President of BFB Gallagher, he is recognized as an industry expert regarding non-qualified deferred compensation.
Ryan has worked with over 200 tax-exempt organizations with updating, enhancing, and designing their supplemental executive & key leadership member retention plans. A common theme across his consulting engagements, Ryan focuses on aligning data, relationships, and circumstances to drive mutually beneficial outcomes for both the organizations and individuals in question.
Ryan graduated from Tufts University in 2015 with a dual degree in Quantitative Econometrics and Entrepreneurship. At heart, Ryan is an entrepreneur that is driven by helping individuals in all aspects of his life.
Ryan Millman
Managing Partner, CEO
Alex Bebis specializes in the design, implementation, and monitoring of Non-Qualified Deferred Compensation arrangements/Supplemental Executive Retirement Plans for Non-Profits and Closely-Held Businesses. More specifically for senior executives, directors, and other highly compensated individuals which the Organizations wish to recruit, retain or reward.
Before joining Modern Capital, Alex served as an Advanced Case Design specialist for a large life insurer, where he developed life insurance-based solutions for high-net-worth individuals, geared toward executive compensation, tax efficiency, and estate planning.
Alex Bebis
COO/Head of Case Design
Mike Miele is a managing partner and CMO of Modern Capital Executive Solutions. As a former Regional Vice President of BFB Gallagher and Development Analyst with Stearns Financial, Mike built and led strategic partnerships, helping both companies achieve a national footprint.
When it comes to his practice, Mike consults with nonprofit organizations on plan strategies and specializes in regulatory compliance matters, plan administration, and plan performance for non-qualified deferred compensation plans.
Mike has a Bachelor of Science degree in Economics and Entrepreneurial Leadership from Tufts University. Outside of the office Mike is extremely active and given the time of year, you can find him golfing, skiing, biking, and surfing. Sometimes his golden retriever named Maya joins in the fun too!
Mike Miele
Head of Business Development, CMO
Born in New York City and raised in Zurich, Switzerland, Kris developed and managed a macro currency trading platform to trade individual funds across currency and commodity markets, utilizing a systematic step trading approach to risk management. Kris also served as Head of US Equity Allocation at UBS Investment Bank in Zurich for the specialist advisory team, where he developed and managed financial products for the Client Advisory portfolio. Out of graduate school, Kris was employed at Deutsche Bank as a part of the Wealth Advisory Mandate team.
Kris received his bachelor’s degree in Business and Finance from the London Metropolitan University and his master’s Degree in Quantitative Finance from the University of Westminster, both in London, England. Kris also served proudly in the United States Army where he achieved the rank of Lieutenant working in the areas of weapons and tactics for a Stryker Infantry Combat Brigade.
Kris Wild
Co-CIO
Andrew Krout is an investment consultant and outsourced Chief Investment Officer at Modern Capital. He is also a Wealth Advisor and Chief Investment Officer at De Groote Financial Group, LLC. Previously, Andrew served as Chief Investment Officer with Kelly Financial in Boston Massachusetts since 2013. He graduated from Saint Francis University with a degree in both finance and accounting. Andrew is passionate about serving his clients and investment management and how to apply news and current events to investment decisions. He played Division 1 golf in college, and still enjoys playing and watching the sport in his free time.
Andrew Krout
Co-CIO
Bradley Atkins founded Modern Capital with a bold vision for financial services solutions. Mr. Atkins has over 20 years of experience in investment strategy and wealth management in retail and institutional sectors. As a serial entrepreneur in the financial services industry, Bradley has created Modern Capital to envision a company in which multi-generational wealth creation opportunities expand beyond the mega-wealthy to become accessible to the everyday retail investor. Prior to founding the firm, Bradley acquired Liberty Partners Financial Services, LLC, a comprehensive financial services firm offering broker-dealer, investment advisory and practice management services. Prior to this, Mr. Atkins built and lead the South Carolina Office of Massachusetts Mutual Life Insurance as President and General Agent.
Brad Atkins
Head of RIA and Broker Dealer
John (Bernie) Winne has recently retired after a lengthy career in the credit union industry which spanned more than 40 years. He was the President and CEO at Boston Firefighters Credit Union for the past 20 years and grew that credit union from $75M to $425M in assets. He was a long-time member of the Board of Directors and Chairman of the Massachusetts Credit Union League and the Cooperative Credit Union Association. He has been a member of several CUNA committees including Advocacy and Consumer Compliance and Charter Enhancement.
He is now entering a new phase in his professional life as a Regional Vice President with Modern Capital. In this role he will continue his dedication to the credit union industry working on issues pertaining to executive compensation and retention, prefunding employee benefits and charitable donation accounts.
John (Bernie) Winne
Regional Vice President
Nina Kopp is a Regional Vice President at Modern Capital Executive Solutions. Nina is a credit union veteran with over 25 years of experience in the industry. Throughout her career she has enhanced the lives of credit union executives as well as members. On the Executive Solutions team, Nina educates and supports non-profit entities using non-qualified deferred compensations plans to recruit, retain, and reward key employees. Nina resides in the beautiful Pacific Northwest, where she enjoys the beach, hiking, and traveling with her husband and family.
In Memory of
Nina Kopp
Regional Vice President
Clay Estabrooke is a Regional Vice President at Modern Capital Executive Solutions. As a former financial advisor at Westpoint Financial Group, his practice focused on helping retail and institutional clients develop and implement strategies to meet their unique financial goals.
Clay supports the Executive Solutions team in developing business and strategic partnerships for nonprofit entities using non-qualified deferred compensations plans to recruit, retain, and reward key persons. He believes human capital is the most important asset on a company’s balance sheet.
Clay was born and raised in Chicago, IL and is a graduate of the University of Illinois Urbana-Champaign. He received a degree in Finance with a focus on international markets and derivatives. He now lives in Charleston, SC where he enjoys coaching hockey for the Jr Stingrays, golf, running, cooking, and spending time with his growing family.
Clay Estabrooke
Regional Vice President.
Carly is a Regional Vice President of Modern Capital Executive Solutions. As a former SVP at GQR Global Markets and Regional Director and Managing Partner at Adaptive Medical Partners, Carly has been consulting in the healthcare industry for 10+ years. She has been primarily focused on partnering with C-level executives in all clinical and hospital settings to develop successful strategies to recruit physicians, nurses and executives. Carly has been a valued consultant with her clients. In addition, she adds significant value to her company through gaining strategic partnerships, building out dynamic internal teams, and streamlining costs & operational workflows. In her spare time, Carly enjoys investing in startups, traveling, yoga, and anything water related.
Carly Wilhelm
Regional Vice President
Outstanding Financial Services entrepreneur with significant sales, marketing, and management experience. Strategic advisor developing relationships and implementing compensation plans with an emphasis on not-for-profit compensation consulting, supplemental executive retirement plans, executive benefit, employee benefit, insurance, and investment products.
Jeffrey Adler
Regional Vice President
Jordan Josephson
Regional Vice President
Steven has over 20+ years of experience in the life insurance industry. He specializes in creating insurance solutions and financial models that bring clarity to the decision-making process. He has an extensive background in insurance analysis, case design, underwriting and policy performance reviews.
Steven started his career as a life insurance marketer to independent insurance agents, insurance agencies and national broker dealers. He also gained valuable experience at financial planning firms, designing insurance solutions that optimize policy benefits and tax efficiencies for affluent clients.
Steven was born, and still resides, in Southern California. Outside of the office, he is happiest with his wife Stephanie and son Ethan.
Steven Herrera
Case Design Specialist
Dr. Jack's career began in clinical medicine and now focuses on insurance medicine. He founded Strategic Medical Consulting (SMC), Inc. in 2007. He acts as a medical underwriting consultant, advising life insurance producers and medical underwriters.
His unique background provides carriers a different kind of medical director whose goals are not just “protecting mortality” but also placing more profitable business on the books accomplished by encouraging underwriters to make the extra effort of thinking and working “out of the box.”
For some, Dr. Cotlar is an engaging physician who understands life insurance underwriting and how best to communicate to the carriers to get the best offer possible. He is an excellent resource for large cases and developed markets. He has helped them place difficult to underwrite cases. His advice on medical issues and how to present a case was invaluable.
Jack Cotlar M.D.
Underwriting Specialist
Mr. DaSilva is a partner at Mirick O'Connell in Worcester. Advising CEOs, CFOs, tax directors, general counsels, boards of directors, compensation committees, and human resource professionals on tax and regulatory issues affecting compensation and benefits.
Expertise in executive compensation health, retirement, fringe benefits, deferred compensation, and ERISA. (Executive Retirement Income Security Act). He also helps plan fiduciaries to develop and implement governance practices.
He is a member of the International Lawyers Network and the Massachusetts, Boston, Connecticut, and New York Bar Associations. He holds law degrees from Boston University, Quinnipiac University, and Western Connecticut State University.
Tony DaSilva
Independent SERP Attorney
Erika joined Modern Capital in 2023 as an experienced life insurance case manager with a background working for large broker general agencies and individual agents. At Modern Capital, she heads the Case Management department guiding clients that are proceeding through the underwriting process. She places a high level of dedication in client services by working with clients, agents, and insurers to bring mutually beneficial outcomes. Erika resides in Central Missouri with her children and a large extended family and enjoys spending her time away from the office with them, gardening, reading, and tending her many aquariums.
Erika Peterson
Head of Case Management
Lindsey W. Cooper Jr. is the owner and founder of the Law Office of L.W. Cooper Jr., LLC. His practice areas primarily focus on representing business entities and individuals in a variety of tax, corporate, transactional and other legal matters related to financially drive matters. In addition, Mr. Cooper's clients seek assistance in tax controversies, tax litigation, and business litigation due to his service as a trial attorney with the U.S. Department of Justice, Tax Division.
Lindsey Cooper
Legal Counsel
Karen joined Modern Capital in January 2023 as an Office Administrator. She comes with over 19 years of experience in the financial planning and insurance industry. She prides herself with her client service expertise and relations. She is very happy in being part of our Modern Capital team.
Karen is a native of Southern California, where she still resides with her family. While not at work, she spends her free time with her children and grandchildren. She also enjoys reading and is a huge fan of USC football.
Karen Riano
Office Administrator