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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, and her dogs Jameson and Mac.

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 friends and her dog, Rhys.

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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.

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 three dogs Bailey, Chloe and Odin.

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,  children Averie & Sloan, and three cats Vladimir, Kash and Journee.

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.

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, writing, and spending time with her two dogs Cricket and Milo.  

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Peter Guest - Census Data Specialist / IT Support

Peter joined the firm in January of 2021. He is originally from New York and moved to Tampa in 2016 with his wife Leidy. He is an analytical, detailed, and process improvement oriented individual.   He has spent his working carer pioneering new departments and positions. He helped found, expand, and make successful the Work at Home and Process improvement teams at Capital One. He also helped create the customer technical support department at Inovalon.  In his free time, he is a world traveler, having visited over 40 countries, a gamer, and an avid reader.

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Ron Clemow - Document Specialist

Ron was born and raised in Clearwater, Florida and has spent most of his career in different positions in the insurance industry.  In some ways there are similarities which gives Ron a better understanding of the practices in his current position at BSP.  In addition to that, Ron handled Information Technology for different Insurance Companies, which also carries over when things are needed at BSP.  When not working, Ron enjoys traveling, learning to snowboard, and spending time in the mountains.  Ron’s family includes his wife, Janet, his daughter, Martina, his son, Ree, and his dogs, Jameson and Macallan.   

Jameson - Director of Leisure Services

Whether Jameson is at work or off the clock, you can tell how much he prides himself in his work.  Night and day, he exemplifies his position as Director of Leisure Services.  Another job not mentioned is food taste tester.  Jameson demands that he taste all food in the facility and at home out of everyone else’s safety.  His concern for everyone else’s safety from the potential of ingesting something wrong is only overshadowed by his leading by example of his position here at BSP.  When asked about anything else for this bio, I got a look of derision, and then he rolled over.  Perfect. 

Macallan - Director of Security

Macallan devotes himself to his position 24 hours a day.  He follows the four tenets of good security.  1) Make sure you are heard and noticed.  The first thing he did was grow to an enormous size with an equal bark.  2) When the individual is allowed in, keep it known that YOU are Security.  Mac will instinctively be in your business until you are trusted, which may involve bringing toys.  3) Sniff for any illicit material and or treats.  Obviously, a big part of Security is searching for potential problems.  Treats are a plus.  4) And to show respect for potential intruders and keep the fright to a minimum.  Mac is sure to wag his tail even when laying down the law.  Keep the people on their toes!

Ritter - Director of Entertainment

Ritter and entertainment go hand in hand.  Whether entertaining us with his incredible speed or his endless supply of outfits being strutted around the office, putting him as Director was the obvious choice.  At times, Ritter will join in the sparring with the boys in Security, but the smiling of his dazzling white teeth is the giveaway that it is going to be an event worth viewing.  Not every office is able to have an Entertainment Department or someone like Ritter to keep us going, so we are extremely fortunate to have Ritter for the low cost of a few treats. 

Rhys - Assistant Director of Security in Training

Rhys is steadfast in his duties as Assistant of Security in Training.  While smaller in stature, you will recognize his fierce commitment to protecting us at BSP.  When not training with Mac and practicing by rolling around the office and sparring, Rhys is also very helpful to Ritter in the Entertainment Department.  Together they instill the office with good vibes keeping us happy and working.  But after that, the sparring with Mac will inevitably continue, which will often include aerobatic maneuvers never before seen.   

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