Meet The Total Business Solutions Team

Retirement & Behavioral Wealth

Billy Z

Billy Zerillo

 Retirement Plan Strategist & Behavioral Wealth Advisor 

Billy Zerillo does more than help businesses set up retirement plans—he helps people find purpose in the process.
As a Retirement Plan Strategist and Behavioral Wealth Advisor at Total Business Solutions, Billy partners with companies to design and manage retirement plans that go beyond compliance and contribution rates. His mission? To create financial benefit programs that actually benefit the people they’re built for.
Billy’s approach is rooted in behavioral finance. He helps employees not only understand how their retirement plan works, but why it matters—connecting their financial decisions to their personal values, life goals, and emotional well-being.
Whether he’s guiding a leadership team through plan benchmarking or speaking to employees about aligning money with meaning, Billy brings clarity, compassion, and strategy to every conversation.
Because at the end of the day, it's not just about building wealth—it’s about building lives that feel rich in every sense of the word.
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Services:

Retirement Plan Consulting

  • Plan design and implementation (401(k), 403(b), SIMPLE IRA, SEP, etc.)

Employee Financial Wellness & Education

  • Group workshops on values-based financial decision-making
  • Onsite or virtual “Money + Meaning” education sessions
  • Behavior-based guidance around saving, debt, and investing
  • Personalized Elements® scorecard reviews and coaching
  • Tools to reduce financial stress and increase fulfillment at work

Behavioral Wealth Advising for Leadership Teams

  • Executive financial coaching
  • Values-based goal setting and wealth alignment
  • Money story work and pattern identification (via custom assessments)
  • Long-term planning aligned with personal and professional purpose
  • Coaching for founders during business transitions or exits

Human Resources

A. Trail

Amber Trail, MBA, SHRM-CP

HR Strategist

As CEO of The HR Trail, Amber Trail, MBA, SHRM-CP isn't just navigating the world of HR – she's redefining it. Fueled by early encounters with ineffective HR practices, Amber's passion lies in empowering HR professionals and small businesses with innovative strategies while dismantling outdated norms.
 
Her journey began with a resounding "no" to a traditional HR role. Instead, she found a mentor who ignited her passion for employee-centric HR. This defining moment set her on a path of over 15 years, building a wealth of experience and credentials, all while unapologetically breaking the mold.
 
Today, through The HR Trail, Amber brings cutting-edge practices directly to small businesses, equipping them with the tools and strategies they need to thrive. Her work focuses on practical transformation—from foundational HR systems to forward-thinking culture-building approaches—always with a human-centered lens.
 
Amber isn't just an HR leader; she's a disruptor, a mentor, and a fierce advocate for a more people-focused HR landscape.
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Services:

HR Strategy & Consulting

  • Customized HR audits and organizational diagnostics

  • Policy development and compliance alignment (handbooks, codes of ethics, etc.)

  • HR infrastructure design for startups and scaling businesses

  • Fractional HR leadership and support for small teams

Employee Experience & Compliance

  • Onboarding and offboarding process creation

  • Leave management and performance review process support

  • Conflict resolution facilitation and documentation systems

Training & Development

  • Workplace compliance training (sexual harassment, ADA, EEOC, etc.)

  • Quarterly training programs for employees and managers

  • Employee-to-manager bootcamps and leadership soft skills workshops

Founder & Leadership Coaching

  • Executive HR coaching for leaders and business owners

  • Values-driven team building and hiring strategy alignment

  • Guidance for navigating transitions and scaling HR functions

Employee Wellness & Engagement Support

  • Strategy for employee recognition and retention

  • Culture audits with measurable metrics and improvement plans

  • Tools and guidance to reduce burnout and build connected workplaces

Fractional Controller

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 Jaclyn Tran 

 Owner, Fractional Controller 

I’m Jaclyn Tran, Your Bookkeeper and Financial Consultant

Growing up in a family of entrepreneurs, from masons to mechanics, I have a passion for the skilled trades and business owners like you. I know firsthand the dedication, pride, and hard work that goes into running a business. That’s why I’m on a mission to take bookkeeping and financial management off your plate! My goal is to help you keep your finances in check, seize new opportunities, and build a business that’s as strong as the work you do. Let’s make numbers less of a headache and more of a tool for success! 

With more than 15 years in finance and having worked with companies like Hershey Entertainment, Penn State, and Paychex, you can feel confident with me as your financial guide.

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Services:

  • Bookkeeping & Financial Reporting
  • Fractional Controller Services
  • QuickBooks Setup & Support
  • Cash Flow Management
  • Accounts Receivable & Accounts Payable Management
  • Payroll & 1099 Compliance

Healthcare Solutions

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Brian Eckert

 Representative

My entrepreneurial journey started in 2006. In building several small businesses, navigating the challenges of healthcare, healthcare coverage, and healthcare costs proved to be just as challenging sometimes as starting and growing a business.

Since 2006, my own family’s healthcare solutions have been varied.

  • traditional insurance
  • Health Savings Account (HSA)
  • completely self-pay
  • client of a Direct Primary Care (DPC) practice
  • HealthShares
  • Health Reimbursement Accounts (HRA)

What I’ve found is most people want:

  • to pay a reasonable monthly amount for their healthcare coverage.
  • to be able to seek and get the care they need when they need it.
  • do not want to go bankrupt if they have a major medical need.

MightyWELL combines strategies, creating common sense, transparent healthcare solutions providing greater access and better care at a lower cost.

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Services:

  • Non-marketplace Healthcare Solutions for small businesses.

Abigail Johnson

Founder & CEO

Abigail Johnson

Founder & CEO