Retirement: Solved.

The strength of a retirement plan is in its management, and managing a modern retirement plan amid the ever-changing conditions of today’s world requires careful maintenance and exacting calculation. Plan sponsors and advisors have a duty to ensure that a plan is viable and beneficial to its participants, and those goals demand expert, professional support.

Our clients and their plan participants trust RHI to provide actuarial consulting and plan administration services that promote plan success. We offer an integrated set of services, from plan design customized to meet the needs of each individual participant to rigorous recordkeeping and actuarial calculation. RHI specializes in the fundamental pieces that make retirement plans work.

Why RHI?

RHI serves the full spectrum of retirement programs – defined benefit and defined contribution plans, traditional and hybrid plans, qualified and non-qualified plans – with a fully customizable service offering covering all aspects of retirement plan design, implementation, regulatory compliance, actuarial services and ongoing plan administration.

Our work begins with an in-depth review of plan strategy and status, and continues with administration, implementation and monitoring of all aspects of the plan. Our firm is comprised of experts who bring decades of practical experience, working alongside plan advisors, sponsors and participants to create and manage retirement plans that benefit sponsors and participants now and into the future.

Headquartered in Houston, we serve corporate clients, public agencies and nonprofit organizations.


As a team serving clients nationally, our staff strives to earn the highest and most sought-after credentials in our industry. Certifications earned by our staff include:

  • Associate of the Society of Actuaries (ASA)
  • Fellow of the Society of Actuaries (FSA)
  • Member, American Academy of Actuaries (MAAA)
  • Joint Board Enrolled Actuary (EA)
  • Member, American Society of Pension Professionals and Actuaries (ASPPA)
  • Qualified Pension Administrator (QPA)
  • Qualified 401(k) Administrator (QKA)


RHI was founded in 1998 as Retirement Horizons Inc. with a desire to become a leader in the retirement services industry. We began operations in our headquarters in The Woodlands, Texas, where we continue to work today, as a full-service actuarial consulting and benefits administration firm, offering customized retirement plan solutions. We are a member of Group RHI, which is building a leading national retirement services firm with affiliations across the country.

RHI is a proud affiliate of Group RHI

RHI is a subsidiary of Group RHI, a leader in the retirement services industry. Group RHI’s companies serve businesses, nonprofits, and municipalities throughout the country, providing objective advice on 401(k) design and services, retirement plan consulting, and pension outsourcing. Collectively we serve close to 5,000 organizations, handling diverse retirement plan needs for hundreds of thousands of participants. For more information about Group RHI and its operations, visit

Leadership Team

Ray Waymel

President and Pension Administration Outsourcing Practice Leader

Ray is the President of RHI, oversees the Pension Administration Outsourcing practice, and shares responsibility for developing business strategy and marketing. Ray has over 30 years of benefits and outsourcing consulting experience, including plan design, implementation, maintenance and administration. He earned a bachelor’s degree from Northern Illinois University.

David Sawyer

FSA, EA, MAAA Actuarial Practice Leader

David brings decades of experience and expertise in areas including actuarial valuation, employer assistance, financial reporting and disclosure. David is a Fellow of the Society of Actuaries and a member of the American Academy of Actuaries. He holds bachelor’s degrees in Actuarial Science from Central Washington University and Business Administration from Washington State University.

David Kent

FSA, EA, MAAA Consulting Actuary

David has more than 20 years of experience in actuarial consulting for pension plans, with expertise in funding, accounting, design, administration and compliance for both public- and private-sector plans. He is a Fellow of the Society of Actuaries and an Enrolled Actuary. He holds a Bachelor of Arts in Mathematics from the University of Texas.

Dan Moran

Defined Contribution Practice Leader, ERPA, QPA

Dan oversees the Defined Contribution Plan practice at RHI, bringing a wealth of experience in client management and financial services. He is an Enrolled Retirement Plan Agent and a Qualified Pension Administrator.

Mickey McDaniel

Founder and Board of Directors

Mickey founded Retirement Horizons in 1998, and currently sits on our Board of Directors. He has more than 30 years of experience in retirement consulting. He is a Fellow of the Society of Actuaries, and a member of the American Academy of Actuaries and the Pension Section of the Society of Actuaries. He earned a bachelor’s degree in Actuarial Science from the University of Texas.

Kevin Abrahams

Actuary ASA, EA

Barry Anderson

Actuarial Manager

Jessica Bailey

Relationship Manager

Debra Bauerle

Call Center Staff

Kelly Black

Account Receivable Specialist

Katrina Brock

Senior Retirement Plan Administrator

Steve Brown

Senior Retirement Plan Administrator

Penny Chavez

Relationship Manager

Laurel Durham

Senior Actuarial Administrator

Michelle Elizalde

Senior Retirement Plan Administrator

Linda Ganley

Senior Retirement Plan Administrator

Barb Guinn

Processing Analyst

Hillory Hampton-Guillory

Accounts Receivable Specialist

Kerry Lockart

Call Center Staff, Team Lead

Frederick Pugh

Staff Accountant

Penne Rader

Senior Retirement Plan Administrator

Elizabeth Ray

Call Center Staff

Mariely Romero

Pension Consultant

Elizabeth Schulin

Actuarial Administrator

Pat Shiver


Maribel Squier

Processing Analyst

Andrea Sylve

Call Center Staff

Marilyn Tubbs

Senior Processing Analyst

Michelle Tucker

Relationship Manager

Tami Walther

Relationship Manager

Amie White

Accounting Specialist

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