THE RYDING TEAM | Meet with Professionals

If you need retirement planning or cash balance plan for your employees, Our Professional Team members will work closely with you and your Financial Advisor in the early phases of your relationship with The Ryding Company.

Senior Management


Ryan J. Pedroza
ERPA, QPA, APA President/CEO

(805) 267-2934

1. I love spending time with my Family. 2. Love the Steelers. 3. Love coaching Football


Dave Ryding

(808) 757-5705



Holly Nickels
Chief Financial Officer

(805) 267-2911


1. My husband and I took our son skydiving for his 18th birthday. 2. Married for over 25 years to my high school sweetheart!

Sales & Marketing


Daniel Fowler
SVP of Sales & Marketing

(805) 807-4253



Julie Tucker
Vice President for Client Relations

(805) 267-2566



Danielle Sesock
New Business Director, ERPA

(805) 267-2935


I once worked security detail with the secret service for Bill Clinton when he was President.


Phillip S. Packard
Regional Vice President of Sales – Hawaii, CBC

(808) 585-1510


401(k) & 403(b) Plan Administration


Janine Kolebuck
Compliance Manager, ERPA, QKA, APA

(805) 267-2936



Elitres Freelon
Senior Pension Consultant, ERPA, QKA, QPA

(805) 267-2922


1. I’m a Barbie Collector with over 500 Barbies. 2. I make button dolls (Jewel Babies) in my spare time.


Stephanie Smith
Senior Pension Consultant

(805) 267-2565


1. I am married with two very energetic boys. 2. I like to spend time with my family and watch Saints Football.


Meghan Gilmartin
Senior Pension Consultant

(805) 267-2932



Roxanne Ritter
Senior Pension Consultant, ERPA, QPA, APA

(805) 267-2916


1. I like camping. 2. I like reading books.


Teresa Harper
Senior Pension Consultant

(805) 267-2930


1. I love sports. 2. One day I would love to be a Basketball and Football coach.


Fernando Rincon Jr.
Pension Consultant, QKA

(805) 267-2928


1. I enjoy downhill longboarding. 2. Camping/backpacking are where I am most at peace.


Michael Wilson
Pension Consultant

(805) 267-2561


1. I have a Wheaton Terrier. 2. I love Formula 1 Racing.


Lupe Castillo
Pension Consultant

(805) 267-2926



Collin Johnson

(805) 267-2915



Andrew Murillo

(805) 267-2572



Brianne Galik

(805) 267-2939



Savannah Benedict

(805) 267-2923



Sean Sesock

(805) 267-2929



Autumn Harris

(805) 267-2940



Shannon Brake
Senior Pension Consultant, ERPA, QPA, QKA

(805) 267-2914


1. I have two tarantulas named Eighden and Otto Plath.  2. I went to school for Interior Design/Architecture.

Cash Balance / Defined Benefit Plan Administration


Karen MacLeod
Manager of Administration, ERPA, QPA

(805) 267-2938



Lori Sabbe
Senior Pension Consultant, CPC, APA

(805) 267-2568



Gabrielle Luna
Pension Consultant

(805) 267-2933



Coleton Hutchins
Pension Consultant

(805) 267-2925


1. A former D-1 athlete as a rower on UC Irvine’s crew team. 2. Enjoy obstacle courses such as Tough Mudder.



Christine Rolik
Consultant, APA

(805) 267-2927



Helen Doebler

(805) 267-2913



Beverly McLeod

(805) 267-2913


Accounting & Office Support


Mindy Mueller
Accounts Receivable Specialist, QKA

(805) 267-2912


1. I collect refrigerator magnets.  2. I have been a vegetarian for over 20 years.

Plan Documents


Kaley Sahagun
Documents Assistant

(805) 267-2937



Danielle Lorrigan
Plan Documents Specialist

(805) 267-2919