The Trinity difference


We are an independent, SEC registered investment advisor who works with and is paid only by our clients, avoiding conflicts of interest. Our sole focus is retirement plans. Many other providers offer insurance, benefits, or individual investment or financial planning. Trinity Advisors Group directs all our attention to retirement readiness, discovering the best options to maximize choices for your plan, and building a long-term partnership with you.

01. Experience

Everyone on our team has over 25 years of experience in the industry, specializing in retirement plan design and fiduciary support.

02. Objectivity

We work with many different partners and providers to provide un-biased, cost-effective solutions to meet your specific plan needs.

03. Focus

Our single focus on retirement plans ensures our only goal is to offer the best solution with the highest quality and the lowest cost for your plan with engaging education for your participants.

The Trinity Leadership Team

Experience, Objectivity, Focus

Michael McCabe, AIF®, CPFA


Michael is the founder and President of Trinity Investment Advisors, an independent consulting firm serving retirement plan sponsors and investment committees. Prior to forming Trinity, Michael worked as an investment fiduciary with a regional consulting and recordkeeping firm serving hundreds of plans and thousands of participants.
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Michael is an Accredited Investment Fiduciary® and a member of NAPA (National Association of Plan Advisors). He has interacted with and briefed top congressional leaders about the importance and future of the nation’s workplace retirement plans, most recently working with Congress and the Department of Labor to discuss the DOL’s recent fiduciary proposal.

For over twenty years, Michael has been advising clients on plan investments, speaking at industry conferences, and participating in advisor panels at several events, including the ASPPA (American Society of Pension Professionals & Actuaries) national conference and Morningstar Investment Services conference. Michael has also been quoted in trade publications such as Wealth Management Magazine, the Frank Russell Company Magazine and Financial Advisor Magazine.

Michael is a member of the Plan Sponsor Council of America (PSCA) and the American Society of Pension Professionals & Actuaries (ASPPA). He serves on the ASPPA Benefits Council. He holds a B.S. from Villanova University’s School of Business and serves in the VSB Mentor Program.

Carmela Elco, AIF®, CBFA

Managing Director and Sr. ERISA Consultant

Carmela Elco is a Sr. ERISA Consultant, helping plan sponsors comply with the ever-changing rules and regulations to build effective and competitive retirement plans. She has extensive training as a human resources professional and in investment analytics.
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Prior to joining Trinity Advisors Group, Carmela was a Principal at Cerity Partners where she helped clients work through complex and sensitive retirement plan mergers, build thoughtful and responsible defined benefit replacement plans and monitor investments. She began her career with RESOURCES for Retirement serving first as Vice President of Client Services, responsible for the firm’s investment advisory services, and then as President. Carmela led the firm with the same dedication to superior client service that she had in her previous role.

Carmela earned her Master of Arts in Human Resources Management from St. Francis University and her Bachelor of Science degree from the University of Pittsburgh. She holds the Accredited Investment Fiduciary (AIF®) and Certified Behavioral Finance Analyst (CBFA) designations and is a member of Beacon, a membership association of select leaders from a diverse range of industries and business backgrounds.

In 2015, 2017, 2018 and 2020, Carmela was named one of the Top Women Advisors in the country by the National Association of Plan Advisors (NAPA). She is a member of the Retirement Advisor Council. Carmela has also testified before the U.S. Department of Labor’s ERISA Advisory Council on target-date fund analysis.

In their free time, Carmela and her husband, Dave, enjoy biking along Fairmount Park and spending time with their dog Fritz.

Tracey Kirby, CPC, CPFA


Tracey possesses more than twenty-five years’ experience in the retirement plans industry, working with plan sponsors to design and manage their company plans. Before joining Trinity Advisors, she worked with The Standard, Core States Bank, and Vanguard. Her industry certifications include the Certified Pension Consultant (CPC) and Certified Plan Fiduciary Advisor (CPFA) designations from the American Society of Pension Professionals and Actuaries (ASPPA). She holds FINRA Series 6, 63 and 65 licenses. Tracey holds a B.A. in Math/Computer Science and Psychology from Sweet Briar College.

Carole McCabe


Carole is the Operating Officer for Trinity Advisors and has over twenty-five years’ leadership experience in the financial services market. She spent twenty-three years with Vanguard, serving in leadership roles across various divisions of the company including Information Technology, Human Resources, Marketing, Process Excellence, and Client Services/Operations. Prior to Vanguard, Carole worked for Prudential Financial in Retirement Plan Information Technology. She is a guest speaker, presenter and content creator specializing in Financial Wellness and Leadership Development topics.
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Carole earned a B.S. in Marketing from The Pennsylvania State University and an M.B.A. in Information Systems from Saint Joseph’s University. She has been an adjunct-faculty member at Villanova University. Carole serves as President-Elect of the Penn State Smeal College of Business Alumni Society, chairs the Smeal Alumni Mentoring Program, and previously served as board President, Vice-President, and Development Chair for Family Support Services, Inc, a United Way agency. She is a mentor and classroom presenter for Chester County Futures.

Our Advisory Board

Perspective, Guidance, Expertise

Trinity Investment Advisors has created an advisory board of financial services industry experts who give us the benefit of their years of experience in leadership, investments, strategy, operations, and retirement plan knowledge. They bring expertise from companies such as PNC, Wellbridge Capital, PricewaterhouseCoopers, and Towers Watson.

James Dunigan

James P. Dunigan is a retired executive vice president and managing executive, Investments and chief investment officer for the PNC Asset Management Group. In this role he was responsible for the development and execution of investment policies, strategies and tactics. Dunigan chaired PNC’s Investment Policy committee; was a member of the Risk Management Investment and Fiduciary committee, the Investment Advisor Research committee and the Risk Operating Committee. He also served as chair of the PNC Administrative Committee which had oversight responsibility for the PNC Pension and Defined Contribution plans with $9.5 billion in assets.
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Dunigan joined Provident National Bank, a predecessor company to The PNC Financial Services Group, Inc., in 1987 as a portfolio manager in the Trust & Investment Management Division responsible for personal trust and investment advisory accounts. Prior to joining PNC, he served as an account executive with Prudential Bache Securities for three years. He began his career in 1974 as a design engineer for the United Engineers and Constructors.

Dunigan is a member of the board of directors and past chairman of the Economy League of Greater Philadelphia. He is also a member of the board of directors of the Union League of Philadelphia. He previously served as trustee of the Malvern Preparatory School, was a member of the board for Chester County Community Foundation and was president of the Philadelphia Chapter of the Villanova Alumni Association. He is a member of the CFA Society of Philadelphia and the National Association of Corporate Directors. He holds a bachelor’s degree in Civil Engineering (1974) from Villanova University and has pursued post graduate work in Finance at Drexel University.

Dale Irby

Dale is a Managing Director and a member of the Investment Committee of Wellbridge Partners. He is responsible for overseeing Wellbridge’s business development function, managing its partner relationships and leading its investment decision process. Dale serves as an observer on the board of Steward Advanced Materials.
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Prior to Wellbridge Partners, Dale advised start-ups, middle market companies and corporate divisions on market penetration strategies in financial services, sports, media and entertainment, healthcare, security, business services, technology and education services. In addition, he has advised on and executed mergers, acquisitions and divestitures in order to add organizational value and to achieve the clients’ objectives.

Dale began his career with Northwestern Mutual as a securities licensed financial representative. While with Northwestern Mutual, he provided needs-based analysis and customized financial solutions to high net worth individuals and middle market companies.

He received a bachelor’s degree in economics and a bachelor’s degree in business management and finance from North Carolina State University.

Martin Janowiecki

Mr. Janowiecki retired as a partner from PricewaterhouseCoopers L.L.P. (PwC) on June 30, 2016. During his career with PwC, he held numerous leadership positions including leader of the Private Company Services (PCS) practice of PwC in the Greater Philadelphia Market, and National Marketing & Sales leader of the PCS practice.
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He recently was a member of the Board of Directors of The Rock School for Dance Education (2012 – June 30, 2016), where he was also a member of the Finance Committee. His prior board experience also includes The Academy of Vocal Arts (2009 – 2015) where he was the chairperson of the Finance Committee, and Sibley Memorial Hospital (2005 – 2009) where he was a member of the Finance & Investment and Audit & Compliance Committees.

Marty earned a Masters in Taxation degree from the American University in Washington, D.C. in 1989, and a Bachelor of Science degree in Accounting from The Ohio State University in 1983. He obtained his Certified Public Accounting license in 1984 in Maryland and is currently licensed in Pennsylvania and Maryland. He completed the Effectiveness and Accountability in the Boardroom program at the Kellogg School of Management (2015), and is a member of the National Association of Corporate Directors, and is a Governance Fellow. Marty lives in Washington, D.C. with his wife, Leigh Rollins. He enjoys golf, travel, reading and music.

Richard Sternhell

Richard M. Sternhell is an independent consultant serving professional service firms in the areas of client management, strategy and corporate infrastructure management. Rich’s responsibilities have led to a growing interest in the relationship of quality and trust to risk management in the professional services field.
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Prior to his retirement in 2010, he was a Managing Principal of Towers Watson, formerly Towers Perrin. During his career of over 30 years at Towers Perrin his primary consulting focus was executive compensation. He also served as Managing Principal of several consulting offices, Chief Operating Officer of US Outsourcing and Managing Director of Global Administration. He served on the firm’s Board of Directors and chaired several Board Committees including Client Relationship Management, Quality and Technology. He earned his BA from University College of NYU and his MBA from the Graduate School of Business at Columbia University.