In this episode of Keeping the Dream Alive, we welcome back Cindy Walz, CFO of Torch Technologies and Starfish Holdings, for a deeper dive into the financial side of employee ownership. Building on her previous conversation about vesting and diversification, Cindy explains key concepts around ESOP allocations, distributions, and share price.
She breaks down how Torch’s ESOP works to build long-term wealth for employees, the role of company contributions, and how annual allocations are determined. Cindy also shares insights on what drives share price, how distributions are handled when employees retire or leave, and the long-term planning Torch does to ensure sustainability for generations of employee-owners.
Whether you’re new to Torch or a longtime employee, this episode offers valuable clarity on how our ESOP functions—and how it helps keep the dream of ownership and retirement security alive.

Torch Technologies
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