Teresa O'Connor
Corporate Retirement Plan Development
With an impressive 38-year career dedicated to corporate retirement plan service and development, Teri O'Connor stands as the esteemed founder of Altus Consulting Group. Her professional journey began with a focus on 401K planning and the design of corporate retirement packages across multiple states. Over the years, Teri's expertise has expanded to encompass financial advisement and individual planning, making her a trusted advisor capable of addressing a diverse array of client needs.
Teri holds securities and insurance licenses in multiple states, demonstrating her commitment to regulatory excellence. She serves as a Corporate Retirement Advisor with Osaic Wealth, Inc., where she brings her wealth of knowledge and experience to the benefit of her clients.
Her dedication to professional development is underscored by her prestigious designations as an Accredited Investment Fiduciary (AIF) and Certified Plan Fiduciary Advisor (CPFA). Teri is also a member of the Financial Advisor IQ Leadership Counsel, further solidifying her position as a thought leader in the industry.
Teri's exceptional contributions have not gone unnoticed. The Financial Times has consistently recognized her as one of the Top Defined Contribution Advisors in the nation since the inception of their list in 2015.(1) In 2023, she was honored as Top Women Advisors by the National Association of Plan Advisors (NAPA), a testament to her leadership and impact on the industry.(2)
Beyond her professional achievements, Teri actively participates in various committees and counsels, including the Osaic Employer Plan Advisory Committee (EPAC) and its Recordkeeper Sub Committee. She also lends her expertise to the Voya Retirement National Advisors Committee, and is an esteemed member of the Goldman Sachs 10K small Business Alumni.
Additionally, Teri is a valued member of the Silver Fox CEO Roundtable in the Woodlands, Texas, showcasing her commitment to community and collaborative leadership. She and her husband Jim have been residents of The Woodlands for over 30 years, where they have raised to accomplished children, Ryan and Jordan.
Gilbert Castillo Jr.
Managing Director of Retirement Plans
Gil Castillo is the Managing Director of Retirement Plans at Altus Consulting Group, LLC. He has over 25 years of experience in the financial services industry, providing business owners total retirement solutions to help secure retirement income for themselves and their employees. Gil believes in a holistic approach to providing appropriate and suitable advice to business owners with employer sponsored retirement plans. He spends the necessary time with each client to reach a complete understanding of their concerns and goals, so that he can effectively assess their situations and recommend the appropriate financial solutions. He strives to bring together the right people at the outset and welcomes the opportunity to work with his client’s legal and tax advisors.
Prior to becoming a partner at Altus Consulting Group, LLC, He was the Director of Retirement Plans at Platinum Wealth Solutions. Gil was a Retirement Plan Counselor at Capital Group American Funds and spent 21 years as a Wealth Advisor between SWBC Wealth Management and USAA Financial Planning Services. Gil is a San Antonio native and a proud Army Veteran who served his country in the Persian Gulf War. He continues to serve his community through his work with organizations such as the Children’s Rehabilitative Institute Teleton USA and was an Executive Board member and Treasurer of the San Antonio Public Library Foundation. He is a Life Member of the San Antonio Livestock Exposition, a member of the National Association of Plan Advisors, NAPA and is active with his church’s Men’s retreats. In his spare time, he enjoys traveling and spending time with his wife Michelle.
Madison Konermann
Director of business development
Madison is our newest member of the team at Altus Consulting Group, LLC but has shown extensive knowledge throughout her career. She has over 5 years of experience working in financial services. She is passionate about helping plan sponsors understand complexities of the employer sponsored retirement plans they offer, as well as providing employees with the tools and resources to make informed decisions about saving for retirement.
In 2025, Madison was honored as a Top Women Advisors Rising Star by the National Association of Plan Advisors.(3) This recognition is a testament to her dedication to supporting plan sponsors and their employees. Madison lends her time and expertise to various advisor councils and frequently engages in speaking opportunities in the community.
Madison resides in Dallas Fort Worth, where she purchased her first home in 2025. When she is not on a solo international adventure, you can find her exploring the robust restaurant scene in DFW or spending time at the lake with friends.
Mike Aschberger
FINANCIAL PLANNING AND WEALTH ADVISORY SERVICES
Michael Aschberger is passionate in his belief that everyone deserves to enjoy a comfortable and dignified retirement. He takes an active advisor role with his clients by providing education, personal consultations, and customized strategies. Michael utilizes a comprehensive and holistic approach to help his clients identify, prioritize and work towards achieving their financial goals. Michael's greatest strength is his commitment to assisting his clients with growing and preserving their hard-earned assets.
Michael received his Bachelor of Science in Mechanical Engineering from Bradley University. During his travels as a Project Engineer, both domestically and internationally, he learned the importance of financial planning. Michael is an Investment Advisor Representative of Osaic Wealth, Inc., and has obtained the Series 7, 24 and 65 securities licenses. He also holds Variable Annuity and Life, Health, and Disability insurance product licenses.
He is a constant student of the financial industry; always searching for better ways to aide his clients in achieving their dignified retirement. He prides himself as a lifelong learner and continues to take part in conferences, continuing education, and technology programs to maintain a leading intellectual competitive advantage. Michael has earned the Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Accredited Investment Fiduciary (AIF) designations.
Dustin Neider
Corporate Employee Benefits
Dustin is a seasoned insurance broker, Affordable Care Act Specialist, and the President of Primary Care Insurance Solutions. Armed with over 14 years of extensive experience in the Health Insurance Industry, Dustin is passionate about serving his community and empowering local businesses. His special focus on small to medium businesses allows him to conduct a deep dive into an organization’s objectives and develop a personalized insurance plan that suits the needs of their company.
As the President of Primary Care Insurance Solutions, a leading business health insurance provider in Houston and surrounding areas. Dustin has helped hundreds of companies that employ up to 500 employees meet their insurance needs, save costs, and benefit from exceptional long-term support. Known locally for his friendly and outgoing attitude, Dustin is committed to going the extra step for every client, so that business owners can stop stressing about insurance.
Dustin loves to build strong and lasting relationships with local organizations. His unique approach and his out-of-the-box thinking have made him a sought-after consultant by business owners in a diverse range of industries.
As a proud Houston native who believes in always looking out for his community, Dustin holds fast to the motto that your most important value is standing by your word and always doing what’s best for the client. In his free time, you can find him spending time in nature and making memories with his two wonderful daughters.
*Dustin Neider is not affiliated with Osaic Wealth, Inc.
(1) The Financial Times (FT) 401 is based on data gathered from financial advisors, regulatory disclosures, and the FT’s research. The listing reflects each advisor’s status in seven primary areas, including DC plan assets under management, growth in DC plan business, specialization in DC plan business, and other factors. This award does not evaluate the quality of services provided to clients and is not indicative of this advisor’s future performance. Neither the advisor nor their parent firms pay a fee to Financial Times in exchange for inclusion in the FT 401. (2) The NAPA Top Women Advisors list was created to acknowledge the contributions of a growing number of women who are making significant contributions to the retirement industry, as well as bringing excellence to the profession. Nominees were asked to respond to a series of questions, both quantitative and qualitative, about their experience and practice. Those questionnaires were then reviewed on an anonymous basis by a panel of judges who, over the course of several weeks, selected the women honored in three separate categories: Captains: All-stars who happen to be principals, owners or team captains of their organizations. All-Stars: Top producers who have their own practice. Rising Stars: Top producers who have less than five years of experience with retirement plans as a financial advisor (some have been working with retirement plans longer, but not as a financial advisor). The rating is not indicative of the investment advisor's future performance; and the investment advisor representative was not paid a fee to participate in the survey. (3) NAPA Top Women of Excellence – Rising Stars award issued by National Association of Plan Advisors (NAPA) on January 2026 for 2025 was awarded to individuals who have less than five years in the business and are either emerging team leaders or new producers. The financial professional applied for the recognition. Criteria used to determine the winner(s) includes information provided on a series of quantitative and qualitative questions on their experience and practice, as well as accomplishments, contributions to the industry, state of workplace retirement plans and the ways in which they give back. xx people were considered for this honor and 25 were selected in the Rising Stars category. No fee was paid for the nomination, receipt, or promotion of the award. Third-party ratings are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation. |
