Bob Toth

Bob has practiced employee benefits law since 1983. His practice focuses on the design, administration and distribution of financial products and services for retirement plans, one which combines elements of ERISA, tax law, insurance law, securities law and investment law for both 401(a) and 403(b) plans. Bob’s experience includes the design of lifetime income programs for defined contribution plans; multiple employer plans; implementing and maintaining 403(b) programs; designing investment products for 401(k) plans; advising on prohibited transactions issues related to retirement plan products and services and their distribution, and writing and implementing standards for fiduciary and advisory practices.

Bob was a partner at Baker and Daniels (now Faegre Drinker Biddle) and spent 17 years in the legal division of Lincoln National Corporation, where he was Associate General Counsel managing the legal affairs of LFG’s employer market division. Prior to joining LFG, Bob was a Senior Attorney at Kellogg Company in Battle Creek, Michigan, where he provided in-house counsel for all benefit law issues related to the company.

Bob is a Fellow of American College of Employee Benefits Counsel, an Adjunct Professor at John Marshall School of Law’s Employee Benefits LLM Program, teaching the 403(b) and 457 plan courses; a member of the John Marshall Law School Employee Benefits Advisory Board; member of the Tax Facts Advisory Board; and is an active member of the Employee Benefits Committee of the Taxation Section of the American Bar Association, and the chair of its Subcommittee on DC Lifetime Income. He graduated from Wayne State University Law School in 1983, and from the University of Michigan in 1978.
 He is a frequent speaker on topical retirement plan issues; and is widely published in academic and professional publications.  Bob is licensed to practice in Indiana and Michigan, and is admitted to the U.S. District Court for the Eastern District of Michigan.

His professional associations have included the American Retirement Association/American Society of Pension Professionals and Actuaries (where he served as Senior Adviser to the ASPPA Government Affairs Committee; Chair of the NTSA government affairs subcommittee; co-founder and former Chair and Board Member of ABC of Northern Indiana; Great Lakes Benefits Conference Executive Committee; Chair of the 403(b) Transparency Task Force); EP Program Chair of the IRS Great Lakes TE/GE Council; member of the American Bar Association’s Taxation Section/Employee Benefits Committee; Co-founder of the Institute for Pension Plan Mgt, Purdue University; Past member of the Advisory Board of the American Benefits Council; and Past Chair of the American Council of Life Insurance’s Pension Committee. He is licensed to practice in Indiana and Michigan.

Practice Areas

  • Fiduciary, Fees and Prohibited Transaction issues
  • Lifetime income arrangements
  • Annuity and Insurance Law
  • Retirement Plan Products, Services and Distribution
  • 403(b) Plans
  • Multiple Employer Plans

Professional Associations

  • ASPPA (American Society of Pension Professionals and Actuaries)
  • Great Lakes TE/GE Council
  • American College of Employee Benefits Counsel
  • Indiana State Bar Association
  • Michigan State Bar Association
  • Allen County Bar Association
  • American Bar Association


  • Undergraduate: University of Michigan
  • Law School: Wayne State University Law School

Bar Admissions

    • Michigan

  • Indiana

Conni Toth, co-founder and managing consultant for Applied Pension Professionals, LLC, brings more than 25 years of experience in retirement planning to the financial services industry.  Conni applies her experience toward assisting fiduciaries with finding solutions for plan design, compliant processes and documentation for retirement plans.Prior to her current role, she was the head of Internal Account Management for Lincoln Financial Group in Fort Wayne, IN.  During her 23 years at Lincoln Financial Group, positions held include Regional Vice President of Key Accounts, Second Vice President of New Business and Plan Administration, management and administrative roles in customer service supporting registered and non-registered annuity and mutual fund products.  Prior to Lincoln, she spent 8 years in customer service and commercial lending with banks located in Fort Wayne and Indianapolis, IN.

Conni holds FINRA series 6, 7, 24, and 26 registrations.  Industry memberships and activities include the American Society of Pension and Professional Actuaries  (ASPPA) since 1993 maintaining designations as a qualified plan administrator (QPA) and qualified 401(k) plan administrator (QKA); the IRS Great Lakes TE/GE Council; graduate class presenter for the John Marshall School of Law’s Employee Benefits LLM Program; the ASPPA Technical Committee; and Co-authored Thompson Publishing’s “The 403(b) and 457 Handbook”.

Attending Indiana University and University of Indianapolis, she focused on her BS of Business Administration while furthering her education at Indiana Wesleyan University in Fort Wayne, IN.

Conni is a native of Monrovia, CA relocated to Fort Wayne in 1982.  She and her husband, Bob, enjoy life, travel, their children, and their grandchildren.