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Janet Panebianco-Clemow, CPA, MBA – CEO, Plan Design Consultant

Janet has over 35 years’ experience in public accounting, with over 30 years in the employee benefit field. She attended the University of Tennessee for her undergraduate accounting work and Tampa College for her Master of Business Administration.  She began her career in 1987 with KPMG Peat Marwick in Tampa working in their corporate tax department.  In 1989, she started at Cherry, Bekaert & Holland, LLP (CBH) in St. Petersburg, eventually serving as Director of Employee Benefits for CBH Business Services, a subsidiary of CBH.  In 2001, Janet joined Concannon, Miller & Company, P.C. and served as  manager of the employee benefit practice of this regional CPA firm.  In 2007, she formed BSP Retirement Services (formerly BSP Consulting).

Janet’s area of expertise is in the custom design of qualified retirement plans, both defined contribution and defined benefit.  Janet’s background in corporate tax provides additional insight to the type of plan that is the right “fit” for each of her clients, from both a tax efficiency and employee benefit perspective.  

On a personal note, Janet enjoys traveling, snow skiing and spending time in the mountains with her family.  Her family includes her husband Ron, her dogs Jameson and Mac, and her horse, Roy.

Sherilyn Cacic

Sherilyn Heyl, QKA - Operations Manager

Sherilyn has over 30 years experience in the employee benefit plan administration field. She obtained her B.S. degree in Accounting from the University of West Florida in 1988. She started her career at United Missouri Bank in Kansas City. From there she worked at Dun & Bradstreet, then joined Janet at Cherry, Bekeart & Holland. Sherilyn is very experienced in all aspects of qualified retirement plan administration and manages the administrative services for all our employee benefit clients. Sherilyn is a Qualified 401(k) Administrator, a certification issued by the American Society of Pension Professionals and Actuaries. She specializes in dealing with custom designed retirement plans, including new-comparability profit sharing and safe -harbor 401(k) designs. Sherilyn enjoys the beach, hiking, tennis and spending time with her family.

Tracy Headshot.jpg

Tracy Hetrick - Staff Plan Administrator

Tracy is originally from Lexington, Ky. She worked 24 years in the dental field as a dental assistant, and then took on the challenge as an office manager within the dental practice. Her experience in the dental industry helps give Tracy insight in providing services for BSPs many dental practice clients.  For five years she owned and operated her own horse show jumping farm.  After she sold her farm, she managed a larger farm for seven years, which included managing both the horses’ care as well as all aspects of  the client care. Tracy still enjoys teaching riding lessons to her close friends and watching them grow as competitors in the show ring. During her down-time she spends time at home with her husband Todd and their three dogs Hershey, Nestle and Ritter.

Patrica Mishler

Patricia Mishler - Administrative Assistant

Pat joined the firm in July of 2015. She relocated from Willow Grove, PA to Clearwater, FL in 2003.  She is an accomplished executive/administrative assistant offering 25+ years of administrative and accounting experience. She is a talented professional dedicated to making the lives of busy executives easier by serving as an effective gatekeeper; reviewing and/or preparing professional and accurate documents, and efficiently handling daily administrative and accounting tasks. She enjoys gardening, ancestry research and writing.

Karen Finch, CPA - Staff Plan Administrator

Karen was born and raised in St. Petersburg and has over 37 years’ experience in public accounting. She obtained her B.S. degree in Accounting from the University of Florida in 1981. She started her career at Concannon, Miller & Company, P.C. and was there for over 27 years specializing in accounting and taxation for small businesses. In 2009 she joined Yost & Company, PA as Accounting Manager where she worked for 10 years with many dental and physician practices.

Karen enjoys shopping, bowling, working out and spending time with her husband Charlie and their two dogs Bailey and Chloe.

Ingrid Peet - Staff Plan Administrator

Ingrid is a proud resident of Pittsburgh, PA and joined BSP Retirement Services in November 2020. She has over 14 years’ experience in the financial services and accounting industries and has spent the last 10 years in retirement administration.


Ingrid enjoys trips to the beach, running, attending sporting events, shopping, and mostly spending time with her husband Clay, 2 children Averie & Sloan, and two kitty’s Vladimir and Kash.

Kathleen Bassett - Staff Plan Administrator

Kathleen has more than 25 years in the retirement plan arena.  She graduated summa cum laude from the College of Saint Rose in Albany, NY with a major in mathematics and a minor in secondary education and fell into the retirement plan administration field like many others.  She obtained her Qualified 401(k) Administrator (QKA) designation and has been a member of ASPPA (American Society of Pension Professionals and Actuaries) since 2001.  Kathleen started her career in Albany,  then moved to Virginia to manage the retirement administration business for a CPA firm, where she worked for over 20 years.  She currently resides in North Carolina with her retired husband and 3 cats, Simon, Max, and Toby.  She often travels back to Virginia to visit friends.

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