Management

Board Members

Carter Wilcoxson, Co-Founder and Chief Executive Officer

For more than a decade, Carter has helped top advisors in the country provide safe strategy retirement solutions, and accelerate their business to new heights, allowing them to help a record-setting number of clients.

He also has personal experience working directly with consumers who want to protect the nest eggs they’ve worked their whole lives to accumulate. This personal experience of having dinner table conversations with people has driven Carter to always be on the lookout for what clients need that the financial industry might not be offering.

In this light, he recognized a deep divide between people who had a plan to protect and enjoy their wealth in retirement and those who were not only at risk of outliving their retirement savings but also at risk for having their legacy mishandled by unprepared heirs.

This led him to seek out the best minds in the industry, financial planners, and software engineers, perfecting a solution to solve this critical problem. Finally, Carter had a “Eureka!” moment when he discovered a proven cloud-based Estate Planning solution that he knew the world desperately needed.

Now Carter and his team devote themselves to connecting consumers with the financial professionals and education they need to make informed financial decisions about the future of their estates. This revolutionary solution, known as eStatePlan ™, lets people bypass the expense and intimidation of consulting a high-priced attorney.

Answering the call to serve others through philanthropy, CSI Financial Group also helps non-profits across America raise funds for their causes by offering eStatePlan ™ to their donors. This cutting-edge approach solves several fundraising issues for the charity, including generating both short-term and long-term contributions. It also solves donors’ desire for a cost-efficient, streamlined estate planning solution.

Andrew Victor, Co-Founder

Andrew Auchincloss Victor has been in the financial services industry for almost a quarter of a century, providing counsel in the areas of Tax-efficient Income Planning, Wealth Transfer, Estate Planning, Business Succession, and Insurance Planning. For the past 17 years, Andrew has worked with financial advisors to present their clients, clients’ attorneys, and accountants with complex and comprehensive solutions through succinct yet actionable guidance. Andrew’s consultative approach helps clients explore areas of opportunity in their financial plan, and protect their hard-earned money from unnecessary risk and stock market volatility. He’s created a proprietary wealth development and management model which has helped hundreds of clients secure a solid retirement plan—proven strategies that are more effective than traditional investment methods. He provides a sophisticated tax mitigation plan, designed to provide you with tax-free income during your retirement years. Andrew graduated from Harvard in 1993 with a bachelor’s degree in Government with a focus on Economics. Andrew and his wife Sarah have two sons, Jacob and Jack, and enjoy playing golf and tennis.

Matt Eby, Chairman of the Board

When the most prestigious financial institutions need a consultant to evaluate and fine-tune their trust business, they call Matthew C. Eby.

Serving as a kind of S.W.O.T. team for household-name financial institutions, Eby uses his decades of experience in financial services consulting for the wealth and asset management industries to advise on improving operations, streamlining processes, and creating stability by establishing a sequence of steps that achieves repeatable and scalable results.

His illustrious career started at none other than The Northern Trust, considered the world’s premier trust company. He would then hone his consulting skills while at Arthur Andersen/Andersen Consulting, also thought the leader in its field.

As Founding Managing Partner of Nth Degree Financial Solutions, Eby, with his wife and Managing Partner Joanne Eby, offer an array of services across the broad spectrum of fiduciary and non-fiduciary products provided by financial institutions, including Trust Departments, Trust Companies, Corporate Trustees, Retirement Plan Services, Custodians, Registered Investment Advisors, and Broker-Dealer Firms.

When ePIC Services Company was taking shape, founder Carter Wilcoxson recognized Eby’s depth and breadth and the valuable contributions he would bring to its board, revolutionizing the trust process for the modern age. “Carter and his team began building a virtual approach to trust, and estate planning and settlement well before the COVID-19 pandemic accelerated the industry’s need for digital solutions,” Eby says. “The world has gone online, and what might have happened by 2030 happened in 2020 instead.”

Eby is in a position to help insurance and financial advisors keep pace with that accelerated timeline. For more than 20 years, he educated financial professionals on the trust industry as a subject matter expert at Cannon Financial Institute, a leading professional development firm helping financial professionals gain advanced skillsets. He even designed and built certifications for the trust industry.

“Trusts are a very noble business because you are taking care of financial assets for people who can’t or won’t do it for themselves,” he says. “The process of settling trusts is paramount to establish ongoing stability in beneficiary care. You must be able to repeat a sequence of events and anticipate the outcomes that a client intended to create.”

He likens the trust process to baking bread. “To bake bread, you have to follow a sequence of steps,” Eby says. Missing a step or doing things out of order would not yield the desired results, he adds. “You have to stabilize the environment before you can grow it to do it again and again, faster and better, and care for the world.”

Applying this philosophy to trusts, understanding the mechanics, the cause and effect, of the trust process—and the sequence of events—is his specialty.

“When you are managing other people’s money, you are a fiduciary,” he explains. “That means that someone else’s money matters to me more than my own. Their success takes precedence. Therefore, the highest level an advisor can attain is to be a Trusted Advisor who clients entrust with giving them advice on issues that are highly personal and extremely sensitive.

” Through trusts, financial assets may be distributed to children and grandchildren for their health, education, and welfare. “A trust may exist for a generation or two before it distributes the assets,” Eby says. “Process and continuity for that duration of time are very, very important.

” Working with advisors and helping them master the trust process is his passion, Eby says. “I like to teach people and help them understand that there is a reason you follow a process to get your clients the best results. By giving advisors the knowledge and confidence to discuss trusts with their clients, many more families will have the opportunity to benefit from this valuable financial instrument.”

“Because when it comes down to it,” Eby says, “the only thing that we have control over is the process, and when we have that right, the results speak for themselves.”

Andy Unkefer, Treasurer

Mr. Unkefer founded Unkefer & Associates in 1994. The company is a national annuity and life marketing organization involved in product design, marketing and national sales distribution. Thousands of agents working with Unkefer & Associates have produced billions of dollars in annuity premium and millions in life insurance sales. In addition to bringing the best insurance products and companies to agents and other marketing firms, we enhance your success with unique presentation tools and a genuine commitment to help you reach your goals. Andrew Unkefer, has a deep commitment to provide better training, better tools, and in-depth knowledge for enterprising independent agents. As a seasoned financial professional, Unkefer understands that well-prepared advisors have the power to help individuals and families accomplish their goals and dreams free from volatility. And for over a decade, Unkefer’s vision has helped thousands of independent agents receive the personalized training they need to help their clients handle money in a safe, tax advantageous manner and match their income to their own lifespan. In addition to his role at Unkefer & Associates, Unkefer is the Founder of Producertraining.com, a company that develops tools, online marketing platforms, resources, calculators, training and testing for insurance companies, agencies and wholesalers. His expertise has also earned him the 1990 Wall Street Journal Award and the prestigious NAFA Service Award along with the National Underwriter Magazine Industry Elite Award for Innovation. Life & Health Pro Magazine named Mr. Unkefer as one of the 24 most creative people in insurance. Most recently, he was added to the Grand Canyon University hall of fame.

Ciara Lister, ESQ – Corporate Secretary

As a Network Attorney for eStatePlan, Ciara believes in three pillars, planning, preparation, and prevention and understands the importance and complexity of a client’s estate planning needs. Ciara believes in the importance of combining a client’s legal and financial team in one place by utilizing technology and the best resources available. “I want to offer client’s the solutions they need.” The resolution was to partner with other planners and experts to create teams that offers clients a comprehensive estate portfolio. “I am pleased to be able to offer comprehensive estate planning solutions”. “What we through the eStatePlan portfolio is very different from a classic attorney relationship. The comprehensive portfolio manages the entire process, along with your Attorney and Trusted Advisor, so there are no surprises, and your plan is complete.”

Prior to her Estate Planning career, Ciara worked as a commercial insurance litigation and personal injury attorney. A University of Florida Alumna, she received her juris doctorate, on full scholarship, from Ave Maria School of Law. She is a member of both the Florida and Nevada Bar. Ciara serves on the Board of Directors for Salty Dog Paddle, a nonprofit that benefits rescue dogs in the South Florida area.

Carter Wilcoxson – Co-Founder and CEO

Carter Wilcoxson, Co-Founder and Chief Executive Officer

For more than a decade, Carter has helped top advisors in the country provide safe strategy retirement solutions, and accelerate their business to new heights, allowing them to help a record-setting number of clients.

He also has personal experience working directly with consumers who want to protect the nest eggs they’ve worked their whole lives to accumulate. This personal experience of having dinner table conversations with people has driven Carter to always be on the lookout for what clients need that the financial industry might not be offering.

In this light, he recognized a deep divide between people who had a plan to protect and enjoy their wealth in retirement and those who were not only at risk of outliving their retirement savings but also at risk for having their legacy mishandled by unprepared heirs.

This led him to seek out the best minds in the industry, financial planners, and software engineers, perfecting a solution to solve this critical problem. Finally, Carter had a “Eureka!” moment when he discovered a proven cloud-based Estate Planning solution that he knew the world desperately needed.

Now Carter and his team devote themselves to connecting consumers with the financial professionals and education they need to make informed financial decisions about the future of their estates. This revolutionary solution, known as eStatePlan ™, lets people bypass the expense and intimidation of consulting a high-priced attorney.

Answering the call to serve others through philanthropy, CSI Financial Group also helps non-profits across America raise funds for their causes by offering eStatePlan ™ to their donors. This cutting-edge approach solves several fundraising issues for the charity, including generating both short-term and long-term contributions. It also solves donors’ desire for a cost-efficient, streamlined estate planning solution.

Andrew Victor – Co-Founder

Andrew Victor, Co-Founder

Andrew Auchincloss Victor has been in the financial services industry for almost a quarter of a century, providing counsel in the areas of Tax-efficient Income Planning, Wealth Transfer, Estate Planning, Business Succession, and Insurance Planning. For the past 17 years, Andrew has worked with financial advisors to present their clients, clients’ attorneys, and accountants with complex and comprehensive solutions through succinct yet actionable guidance. Andrew’s consultative approach helps clients explore areas of opportunity in their financial plan, and protect their hard-earned money from unnecessary risk and stock market volatility. He’s created a proprietary wealth development and management model which has helped hundreds of clients secure a solid retirement plan—proven strategies that are more effective than traditional investment methods. He provides a sophisticated tax mitigation plan, designed to provide you with tax-free income during your retirement years. Andrew graduated from Harvard in 1993 with a bachelor’s degree in Government with a focus on Economics. Andrew and his wife Sarah have two sons, Jacob and Jack, and enjoy playing golf and tennis.

Matt Eby – Chairman

Matt Eby, Chairman of the Board

When the most prestigious financial institutions need a consultant to evaluate and fine-tune their trust business, they call Matthew C. Eby.

Serving as a kind of S.W.O.T. team for household-name financial institutions, Eby uses his decades of experience in financial services consulting for the wealth and asset management industries to advise on improving operations, streamlining processes, and creating stability by establishing a sequence of steps that achieves repeatable and scalable results.

His illustrious career started at none other than The Northern Trust, considered the world’s premier trust company. He would then hone his consulting skills while at Arthur Andersen/Andersen Consulting, also thought the leader in its field.

As Founding Managing Partner of Nth Degree Financial Solutions, Eby, with his wife and Managing Partner Joanne Eby, offer an array of services across the broad spectrum of fiduciary and non-fiduciary products provided by financial institutions, including Trust Departments, Trust Companies, Corporate Trustees, Retirement Plan Services, Custodians, Registered Investment Advisors, and Broker-Dealer Firms.

When ePIC Services Company was taking shape, founder Carter Wilcoxson recognized Eby’s depth and breadth and the valuable contributions he would bring to its board, revolutionizing the trust process for the modern age. “Carter and his team began building a virtual approach to trust, and estate planning and settlement well before the COVID-19 pandemic accelerated the industry’s need for digital solutions,” Eby says. “The world has gone online, and what might have happened by 2030 happened in 2020 instead.”

Eby is in a position to help insurance and financial advisors keep pace with that accelerated timeline. For more than 20 years, he educated financial professionals on the trust industry as a subject matter expert at Cannon Financial Institute, a leading professional development firm helping financial professionals gain advanced skillsets. He even designed and built certifications for the trust industry.

“Trusts are a very noble business because you are taking care of financial assets for people who can’t or won’t do it for themselves,” he says. “The process of settling trusts is paramount to establish ongoing stability in beneficiary care. You must be able to repeat a sequence of events and anticipate the outcomes that a client intended to create.”

He likens the trust process to baking bread. “To bake bread, you have to follow a sequence of steps,” Eby says. Missing a step or doing things out of order would not yield the desired results, he adds. “You have to stabilize the environment before you can grow it to do it again and again, faster and better, and care for the world.”

Applying this philosophy to trusts, understanding the mechanics, the cause and effect, of the trust process—and the sequence of events—is his specialty.

“When you are managing other people’s money, you are a fiduciary,” he explains. “That means that someone else’s money matters to me more than my own. Their success takes precedence. Therefore, the highest level an advisor can attain is to be a Trusted Advisor who clients entrust with giving them advice on issues that are highly personal and extremely sensitive.

” Through trusts, financial assets may be distributed to children and grandchildren for their health, education, and welfare. “A trust may exist for a generation or two before it distributes the assets,” Eby says. “Process and continuity for that duration of time are very, very important.

” Working with advisors and helping them master the trust process is his passion, Eby says. “I like to teach people and help them understand that there is a reason you follow a process to get your clients the best results. By giving advisors the knowledge and confidence to discuss trusts with their clients, many more families will have the opportunity to benefit from this valuable financial instrument.”

“Because when it comes down to it,” Eby says, “the only thing that we have control over is the process, and when we have that right, the results speak for themselves.”

Andy Unkefer – Treasurer

Andy Unkefer, Treasurer

Mr. Unkefer founded Unkefer & Associates in 1994. The company is a national annuity and life marketing organization involved in product design, marketing and national sales distribution. Thousands of agents working with Unkefer & Associates have produced billions of dollars in annuity premium and millions in life insurance sales. In addition to bringing the best insurance products and companies to agents and other marketing firms, we enhance your success with unique presentation tools and a genuine commitment to help you reach your goals. Andrew Unkefer, has a deep commitment to provide better training, better tools, and in-depth knowledge for enterprising independent agents. As a seasoned financial professional, Unkefer understands that well-prepared advisors have the power to help individuals and families accomplish their goals and dreams free from volatility. And for over a decade, Unkefer’s vision has helped thousands of independent agents receive the personalized training they need to help their clients handle money in a safe, tax advantageous manner and match their income to their own lifespan. In addition to his role at Unkefer & Associates, Unkefer is the Founder of Producertraining.com, a company that develops tools, online marketing platforms, resources, calculators, training and testing for insurance companies, agencies and wholesalers. His expertise has also earned him the 1990 Wall Street Journal Award and the prestigious NAFA Service Award along with the National Underwriter Magazine Industry Elite Award for Innovation. Life & Health Pro Magazine named Mr. Unkefer as one of the 24 most creative people in insurance. Most recently, he was added to the Grand Canyon University hall of fame.

Ciara Lister, ESQ – Secretary

Ciara Lister, ESQ – Corporate Secretary

As a Network Attorney for eStatePlan, Ciara believes in three pillars, planning, preparation, and prevention and understands the importance and complexity of a client’s estate planning needs. Ciara believes in the importance of combining a client’s legal and financial team in one place by utilizing technology and the best resources available. “I want to offer client’s the solutions they need.” The resolution was to partner with other planners and experts to create teams that offers clients a comprehensive estate portfolio. “I am pleased to be able to offer comprehensive estate planning solutions”. “What we through the eStatePlan portfolio is very different from a classic attorney relationship. The comprehensive portfolio manages the entire process, along with your Attorney and Trusted Advisor, so there are no surprises, and your plan is complete.”

Prior to her Estate Planning career, Ciara worked as a commercial insurance litigation and personal injury attorney. A University of Florida Alumna, she received her juris doctorate, on full scholarship, from Ave Maria School of Law. She is a member of both the Florida and Nevada Bar. Ciara serves on the Board of Directors for Salty Dog Paddle, a nonprofit that benefits rescue dogs in the South Florida area.

Officers

Earl Hopper, Chief Financial Officer

Earl’s professional background spans 40 years and includes general and financial management, general business and forensic consulting, auditing, and tax consulting. Corporate positions have included serving as an accountant, assistant treasurer, controller, general manager, chief operating officer, and chief financial officer. Over the years, he has enjoyed the experience of working with diverse industries, such as newspaper publishing, public utilities, Fortune 500 technology, software development, litigation support, and an analytical laboratory. However, working with growing ventures, to assist in navigating the financial and management choices so important to the ultimate success of companies is what Earl finds most gratifying. Working with ePIC as CFO to secure a trust company license and participate in setting up an industry impacting way to help people from all backgrounds has been particularly rewarding. Spending time with his family (especially the grandchildren) is a favorite activity, but also enjoys learning and reading a variety of subjects. Education: Bachelor’s in accounting and an MBA from Arizona State University.

Elaine Young, Director of Operations

People who have worked with Elaine Young have told her that not only does she have a mastery of the systems and processes, but she also has the rare attribute of being able to explain how these systems work.

As Director of Operations and Chief Operating Officer of ePIC Services Company, Young will be managing the daily operations and developing the company’s processes and procedures.

Young’s experience is built on more than 30 years of serving the financial services industry with significant expertise in Personal Trust and Corporate Trust Operations. An accomplished trainer, documentation professional and client liaison, she has built an excellent reputation for building strong customer relationships.

“Working in IT, customer training, risk and compliance, and systems integration within the trust and banking industries for decades has given me a deep understanding of how best to bring all these facets together to benefit our clients,” she says.

The depth of her understanding is amplified by her education. Young is both a Certified Securities Operations Professional (CSOP) and a Certified Trust Operations Professional (CTOP) and a graduate of Cannon Financial Institute’s Trust School I, II and III.

She feels decades of hard work and her voracious appetite for learning have led her to exactly where she is supposed to be. “My dream job is having the opportunity to bring in the systems, do the integration, manage the roll out and onboarding clients,” she says. “Working with ePIC Services provides me an amazing opportunity to build a successful operation from the ground up. This is the perfect fit.”

Away from the office her other passions are cooking for family and friends, traveling and landscape photography.

Joanne Eby, Chief Compliance Officer

Attorney Joanne Eby has such an innate ability to comprehend complex new financial services laws and regulations that even law firms consult with her to help them decode new legal directives.

“When I read something that is newly released, I know in the first few sentences if it will be relevant for our clients,” says Eby, Managing Partner of Nth Degree Financial Solutions LLC. “My passion is understanding the laws, rules, regulations, and regulatory guidance for the asset and wealth management world so our clients can count on me to advise them. I like being the person someone is going to call to help them understand complex concepts.”

Born and raised in a small town outside Toronto, Canada, reading and learning have always played a key role in Eby’s life. By the end of grade school, she was reading Shakespeare. Driven to learn, every day she saved the milk money her father gave her, drinking water instead, and banked $2,000 to help pay her way through the University of Western Ontario.

“My parents were Dutch immigrants who emigrated after World War II,” Eby says. “We learned self-reliance by watching their work ethic and by having to work ourselves for the good of our large family.”

While earning her MBA at York University, she discovered she had a gift for writing. Later hired as a technical writer by a financial services software company, her role expanded to client support because of her unique ability to explain and simplify complex systems to clients.

At the Bank of Montreal (known in the U.S. as BMO Harris Bank) she worked in a division that provided custody of financial products for major global financial institutions. “By then I understood how registered investment advisors, broker-dealers, trust companies and custodians worked because of my work at the financial services software company.”

She met her husband and business partner, Matthew Eby, when he came to audit the bank’s global custody division. And while it might not sound like the plot of a romantic comedy, it was the beginning of their personal and professional partnership, with Joanne eventually joining Matthew at Nth Degree in 2005.

Before then, she and her then-teenage son, Ben, took the steps necessary to become U.S. citizens. With Matthew encouraging her to “sharpen her saw,” she was accepted to Chicago’s John Marshall Law School and discovered how much she loved laws and regulations. “I genuinely like reading new laws and regulations from the SEC, banking, and other financial regulators,” Eby says.

This mastery attracts financial institutions who need guidance on ensuring that their activities are compliant and audit-proof. “A lot of the consulting we have done in the last 10 years has been for financial institutions that call us when something goes awry,” she says. “We are able to illuminate and explain the risks and help them on the path to compliance.”

Eby’s contribution to ePIC Services Company will be to develop the compliance policies and procedures to ensure the infrastructure is built the right way. “My goal is to provide the finest compliance oversight possible to help ePIC establish their processes, infrastructure and compliance culture correctly, even if that approach requires a greater initial investment in time and resources,” she says.

Eby still reads laws and regulations for fun. While others might read legal texts to fall asleep, Eby avoids reading legal cases at night because learning about real people and real situations is so engrossing, it keeps her awake.

An experienced educator, she continues to teach on various topics, including annual training for the Bank Secrecy Act: “I love teaching bank financial examiners and auditors who, at end of the day, come up and say I made the concepts come alive and jump off the page.”

When not engrossed in compliance and the law, Eby and her husband like to enjoy the outdoors together. She says she will always be an opsimath—someone who begins, or continues, to learn late in life. “When a new law or regulation comes out, I crave it,” she says. “I love being able to synthesize it into information others can understand and to focus on the portion of the law a client needs to better perform in the business they are in.”

Otis Jacobs, Chief Marketing Officer

Otis Jacobs serves as the Chief Marketing Officer for ePIC Services Co., the affiliated services & technologies. Having spent nearly two decades in the financial services industry, Otis cut his teeth working for some of the top Broker Dealers in the country helping financial advisors run efficient practices, market effectively and GROW! Otis has a long track record of developing engaging and thoughtful marketing strategies coupled with top sales and recruiting accolades such as Inc. 500’s Fastest Growing Private Company.

Otis’ focus is on the dynamic marketing and engagement of ePIC Services Co. as well as the financial services professionals that choose to work with the organization. Using his artistic background, engagement ability and relentless drive, Otis strives every day to aid in the progression of the organization and the utilization of the technologies across the country.

Earl Hopper – CFO

Earl Hopper, Chief Financial Officer

Earl’s professional background spans 40 years and includes general and financial management, general business and forensic consulting, auditing, and tax consulting. Corporate positions have included serving as an accountant, assistant treasurer, controller, general manager, chief operating officer, and chief financial officer. Over the years, he has enjoyed the experience of working with diverse industries, such as newspaper publishing, public utilities, Fortune 500 technology, software development, litigation support, and an analytical laboratory. However, working with growing ventures, to assist in navigating the financial and management choices so important to the ultimate success of companies is what Earl finds most gratifying. Working with ePIC as CFO to secure a trust company license and participate in setting up an industry impacting way to help people from all backgrounds has been particularly rewarding. Spending time with his family (especially the grandchildren) is a favorite activity, but also enjoys learning and reading a variety of subjects. Education: Bachelor’s in accounting and an MBA from Arizona State University.

Elaine Young – Director

Elaine Young, Director of Operations

People who have worked with Elaine Young have told her that not only does she have a mastery of the systems and processes, but she also has the rare attribute of being able to explain how these systems work.

As Director of Operations and Chief Operating Officer of ePIC Services Company, Young will be managing the daily operations and developing the company’s processes and procedures.

Young’s experience is built on more than 30 years of serving the financial services industry with significant expertise in Personal Trust and Corporate Trust Operations. An accomplished trainer, documentation professional and client liaison, she has built an excellent reputation for building strong customer relationships.

“Working in IT, customer training, risk and compliance, and systems integration within the trust and banking industries for decades has given me a deep understanding of how best to bring all these facets together to benefit our clients,” she says.

The depth of her understanding is amplified by her education. Young is both a Certified Securities Operations Professional (CSOP) and a Certified Trust Operations Professional (CTOP) and a graduate of Cannon Financial Institute’s Trust School I, II and III.

She feels decades of hard work and her voracious appetite for learning have led her to exactly where she is supposed to be. “My dream job is having the opportunity to bring in the systems, do the integration, manage the roll out and onboarding clients,” she says. “Working with ePIC Services provides me an amazing opportunity to build a successful operation from the ground up. This is the perfect fit.”

Away from the office her other passions are cooking for family and friends, traveling and landscape photography.

Joanne Eby – CCO

Joanne Eby, Chief Compliance Officer

Attorney Joanne Eby has such an innate ability to comprehend complex new financial services laws and regulations that even law firms consult with her to help them decode new legal directives.

“When I read something that is newly released, I know in the first few sentences if it will be relevant for our clients,” says Eby, Managing Partner of Nth Degree Financial Solutions LLC. “My passion is understanding the laws, rules, regulations, and regulatory guidance for the asset and wealth management world so our clients can count on me to advise them. I like being the person someone is going to call to help them understand complex concepts.”

Born and raised in a small town outside Toronto, Canada, reading and learning have always played a key role in Eby’s life. By the end of grade school, she was reading Shakespeare. Driven to learn, every day she saved the milk money her father gave her, drinking water instead, and banked $2,000 to help pay her way through the University of Western Ontario.

“My parents were Dutch immigrants who emigrated after World War II,” Eby says. “We learned self-reliance by watching their work ethic and by having to work ourselves for the good of our large family.”

While earning her MBA at York University, she discovered she had a gift for writing. Later hired as a technical writer by a financial services software company, her role expanded to client support because of her unique ability to explain and simplify complex systems to clients.

At the Bank of Montreal (known in the U.S. as BMO Harris Bank) she worked in a division that provided custody of financial products for major global financial institutions. “By then I understood how registered investment advisors, broker-dealers, trust companies and custodians worked because of my work at the financial services software company.”

She met her husband and business partner, Matthew Eby, when he came to audit the bank’s global custody division. And while it might not sound like the plot of a romantic comedy, it was the beginning of their personal and professional partnership, with Joanne eventually joining Matthew at Nth Degree in 2005.

Before then, she and her then-teenage son, Ben, took the steps necessary to become U.S. citizens. With Matthew encouraging her to “sharpen her saw,” she was accepted to Chicago’s John Marshall Law School and discovered how much she loved laws and regulations. “I genuinely like reading new laws and regulations from the SEC, banking, and other financial regulators,” Eby says.

This mastery attracts financial institutions who need guidance on ensuring that their activities are compliant and audit-proof. “A lot of the consulting we have done in the last 10 years has been for financial institutions that call us when something goes awry,” she says. “We are able to illuminate and explain the risks and help them on the path to compliance.”

Eby’s contribution to ePIC Services Company will be to develop the compliance policies and procedures to ensure the infrastructure is built the right way. “My goal is to provide the finest compliance oversight possible to help ePIC establish their processes, infrastructure and compliance culture correctly, even if that approach requires a greater initial investment in time and resources,” she says.

Eby still reads laws and regulations for fun. While others might read legal texts to fall asleep, Eby avoids reading legal cases at night because learning about real people and real situations is so engrossing, it keeps her awake.

An experienced educator, she continues to teach on various topics, including annual training for the Bank Secrecy Act: “I love teaching bank financial examiners and auditors who, at end of the day, come up and say I made the concepts come alive and jump off the page.”

When not engrossed in compliance and the law, Eby and her husband like to enjoy the outdoors together. She says she will always be an opsimath—someone who begins, or continues, to learn late in life. “When a new law or regulation comes out, I crave it,” she says. “I love being able to synthesize it into information others can understand and to focus on the portion of the law a client needs to better perform in the business they are in.”

Otis Jacobs – CMO

Otis Jacobs, Chief Marketing Officer

Otis Jacobs serves as the Chief Marketing Officer for ePIC Services Co., the affiliated services & technologies. Having spent nearly two decades in the financial services industry, Otis cut his teeth working for some of the top Broker Dealers in the country helping financial advisors run efficient practices, market effectively and GROW! Otis has a long track record of developing engaging and thoughtful marketing strategies coupled with top sales and recruiting accolades such as Inc. 500’s Fastest Growing Private Company.

Otis’ focus is on the dynamic marketing and engagement of ePIC Services Co. as well as the financial services professionals that choose to work with the organization. Using his artistic background, engagement ability and relentless drive, Otis strives every day to aid in the progression of the organization and the utilization of the technologies across the country.