Debra J. Hilton, SPHR, SHRM-SCP, Executive Vice President, D. Hilton Associates, Inc.: Debbie Hilton specializes in the design, implementation and management of Supplemental Executive Retirement Plans (SERPs). A professional money manager since 1983, Hilton joined D. Hilton Associates in 1996 after successfully selling her money management practice. While working with credit unions in the recruitment and retention of senior executives, she recognized the important relationship between total compensation and SERP design as an integral retention tool. Hilton maintains the Senior Professional in Human Resources (SPHR) designation of the HR Certification Institute, and the Senior Certified Professional (SCP) designation of the Society for Human Resource Management. She holds a bachelor’s degree from The University of Houston.