Tref Farmer

Tref is the CEO and visionary of F&B. Based in the greater Seattle area, his degree and background are in accounting. He has almost two decades of experience in the pension administration industry.

Tref founded his firm with the belief that retirement plans have a powerful impact on helping people and businesses achieve their long term financial goals. He is passionate about building a business that helps support our private retirement system. Tref enjoys working in a field that aligns with his belief that capitalism is an efficient machine, providing great opportunity.

The Farmer and Betts team is passionate about offering the highest level of service to build trusted relationships with the financial professionals they partner with. Tref partners with financial advisors, as well as CPAs, to design and implement pension plans that meet the unique needs of individual business owners.

Trademark Service

Tref and his firm, F&B Pension Consultants, provide best in industry design and administration of retirement plans at competitive rates. The firm has worked with thousands of retirement plans, ranging from start up plans to multi-million dollar corporate plans. Many national investment companies and broker dealers have screened and accepted F&B Pension Consultants onto their preferred list of third party administrators, including LPL Financial.

Industry Leading Specialization

Business owners choose to work with F&B Pension Consultants because of their trademark service, specialized expertise, and competitive costs. As a dedicated third party administrator, the firm’s only focus is on retirement plan design and administration. This concentration allows F&B Pension Consultants to offer customized and creative plan design that helps their financial advisor partners to close more opportunities and helps business owners create plans that provide the greatest value for the long term.

Tref and his team provide education and expertise on plan design, DOL regulations, IRS rules and best practices for creating customized defined benefit and defined contribution plans. He leads a team of F&B Pension Consultants that work together with financial advisors to serve Washington, Oregon, Colorado, Louisiana, Georgia, Illinois and California. Together, they provide comprehensive plan design consultation, administration, document installation, compliance testing, as well as IRS and DOL reporting for qualified retirement plans.

Third Party Administrator Specialties include Retirement Plan Design, Retirement Plan Administration, 401(k) Plans, 403(b) Plans, Prevailing Wage Plans, ESOP, Cash Balance Plans, Defined Benefit Plans, Defined Contribution Plans, Pension Plans, Profit Sharing Plans. F&B Pension Consultants serve states including Washington, Oregon, Colorado, Louisiana, Georgia, Illinois and California.

Meet Tref

Tref attended California State University at Chico, where he studied accounting and was encouraged by an advisor to specialize his focus early on. During college, he worked as an intern in a pension administration firm. Upon graduation, he began work as a pension specialist. Today, Tref resides in Olympia, Washington with his wife and six children. They are active and adventurous by nature, enjoying skiing, hiking, kayaking, biking, and camping.

Fun Facts

Hometown: Arcata, California in Humboldt County
Top Read: Capitalism and Freedom by Milton Friedman
Family: Proud Dad of six children

If you have a retirement plan opportunity or would like to partner to grow your retirement plan business, contact Tref Farmer today at