Advisors

Favorite quote: “The minute you get away from fundamentals – whether its proper technique, work ethic or mental preparation- the bottom can fall out of your game, your schoolwork, your job, whatever you’re doing.” – Michael Jordan

What is something within the healthcare industry you want to fix? I would love to see the Social Security Administration communicate better with people regarding Medicare especially when it comes to understanding Parts A and B as many people are still working beyond age 65 and need to understand specifically when to enroll. Also, when it comes to part D there is a great deal of confusion from people approaching Medicare eligibility and enrollment.

What are your industry credentials? I have been working in the Senior Market and retirement planning for 28 years and truly enjoy helping clients manage their healthcare plans. Over the years I have learned so much about this profession and I work constantly to stay current with the changes and challenges with my client’s needs and goals always in mind.

What’s your background? I grew up in Hagerstown, Maryland and hold a BS in Math Education from Shippensburg University. I taught High School math in North Carolina before entering the financial services industry. You can turn Medicare into Rocket Science if you choose, but that’s not my approach. I take great pride in simplifying the specifics of Medicare putting them in layman’s terms for the benefit of my clients.

What values drive you? Honesty and integrity are the two values that drive my work each day. I work very hard to take care of my clients responding to texts, emails, and voicemails as quickly as possible.

What activities do you enjoy doing when not at work? In my spare time I love being outdoors; golfing, running, gardening, and relaxing on the deck of our home with my wife and kids have made for the best memories. I also enjoy dining out with family and friends and the church is an also integral part of my life.

Favorite quote: “On matters of style, swim with the current, on matters of principle, stand like a rock” —Thomas Jefferson

What is something within the healthcare industry you want to fix? Our industry is littered with misleading mail, email and commercials. The result is that the consumer makes decisions out of panic rather than understanding. I work very hard to reassure each client that I am working in their best interest by explaining all available options and then turning over to them the decision-making power.

What are your industry credentials? I have a BS in Accounting with a minor in Finance from Mt St Mary’s University. The decisions I help my clients make are financial rather than emotional based. Having been a licensed agent for 20 years has given me a lot of experience. I’m an avid reader and researcher of our industry, it’s products and trends helping me to stay current and take more enjoyment from the business.

What’s your background? I grew up in Kensington MD. Great neighborhood then and now; many of my childhood friends still live there. There was a swim club where kids of all ages played and the families got to know each other in what was and still is a very close community. Still being friends with kids from when I was 5 is pretty cool.

What values drive you? Always doing my best and giving my all to my clients. Everyone has a different situation and story. This is not a one size fits all/one stop shop kind of business. I love putting together a plan that works and hearing my client’s children tell me how much their parents love and depend on me; that I’ve never steered them wrong.

What activities do you enjoy doing when not at work? In my spare time I am very active in veterans’ organizations. My husband is retired Navy so supporting veterans is something we both enjoy. We are very active volunteering and fundraising for many different causes. I also love to cook and entertain trying out new ideas out on my guests. When possible I enjoy traveling seeing new sights and experiencing different cultures.

Favorite quote: “Someone’s sitting in the shade today because someone planted a tree a long time ago.” Warren Buffett

What is something within the healthcare industry you want to fix? There is so much misinformation from less than reputable sources when it comes to the Senior Healthcare industry. My focus is to create a custom solution for each unique situation making the process easy to understand while educating clients on their options and solutions.

What are your industry credentials? We are a well-known name in the community and a local resource for those who prefer a very personal experience. I think that will always set us apart. This part of the relationship is especially important as we navigate the complex details of Medicare planning.

What’s your background? I’ve been in the insurance industry since 2015 partnering with Senior Benefit Services in 2017. I have both a Bachelor’s and Master’s Degree from the University of Maryland College Park.

What values drive you? I treat every client the way I would want my family or friends to be treated. Each client deserves the peace of mind that comes only from a personal approach and time spent getting to know our client’s families.

What activities do you enjoy doing when not at work? Outside of work I enjoy running, biking, tennis, travel, reading history and the Wall Street Journal, researching investments, and all things outdoors. I’m an avid fan of everything Washington Redskins, Maryland Terrapins, and Rock n’ Roll!

Favorite quote: “Every morning we are born again. What we do today is what matters most” – Buddha

What is something within the healthcare industry you want to fix? Although I believe that Medicare is a great program prescription drugs must be affordable to all. I would also like to see The Centers for Medicare and Medicaid Services be more proactive advising people of the timeline for coverage.

What are your industry credentials? I have been in the health care industry over 10 years and am appointed with all the major health insurance carriers. I truly love my clients and career.

What’s your background? I started working behind the candy counter at G.C. Murphy at the age of 15 and have been in sales ever since. I have sold everything from hydraulic hoses, fittings, pumps, and motors, to owning a floor covering store. However, my greatest accomplishment has been raising my granddaughter from the age of three and is now a nursing student at Hood College.

What values drive you? I grew up in a small community in Eastern Baltimore County. Nearly all the residents worked at Bethlehem Steel or General Motors. Hillary Clinton once said, “it takes a village to raise a child” and that’s just how my neighborhood operated. Being accountable to the community from such a young age taught me respect for both home and community.

What activities do you enjoy doing when not at work? I enjoy family time and sharing meals with the people I love and cherish the most. I am naturally curious and make time to travel to new sights, taking on new experiences and learning new things. I do not consider my job to be work as it’s greatest benefit is meeting new people every day sharing life’s greatest gift, time.

Favorite quote: “The question isn’t who is going to let me; its who is going to stop me” -Ayn Rand

What is something within the healthcare industry you want to fix? It is important to me to change the perception of industry professionals. I am comforted by the close personal connections I have with my clients who know they can call on at any time for any reason.

What are your industry credentials? I have had my life and health licenses since 2017. My initial start in the Senior Market started with a nationally known corporation until my switch to Senior Benefit Services, Inc. in 2019. I made this career change when I learned that my grandmother had been over charged by her agent for nearly 40 years. I challenge myself daily to ensure that my clients never have to endure this kind of situation.

What’s your background? Selling is in my blood! At 16 years of age The Baltimore Sun Paper hired me as a door to door salesman helping me to earn college savings bonds. In March of 2003 I started an in-home own daycare business all the while working in network marketing and direct sales. Each presented different challenges but along the way I learned how much I love helping and engaging people.

What values drive you? I grew up just outside of Baltimore City at a time when the community was very close knit. Life was so much simpler back then! The life lessons I learned from those days; perseverance, community, and commitment have defined who I am today and are the cornerstone of the lessons I have passed on to my own children.

What activities do you enjoy doing when not at work? My family is my priority and is my favorite thing to do outside of work. I have been married for close to 20 years and have three kids, two grandchildren. During the summer months we go camping just about every weekend enjoying bonfires, smores, and the outdoors. We also enjoy the beach opting for destinations in the south and Caribbean during the winter months.

Favorite Quote: ““If you are going through hell, keep going.” – Winston Churchill

What is something within the healthcare industry you want to fix? Dealing with the stress and anxiety of retirement can be overwhelming and exhausting stealing the joy out of life’s most anticipated time. The retirement planning puzzle needs to be built thoughtfully and strategically. Each individual’s puzzle is different and so I work very hard to help answer the tough Medicare, supplemental benefits, and retirement income questions that work for a lifetime.

What are your industry credentials? I entered the financial services industry 28 years ago working in the marketing department for a regional brokerage firm. My experience evolved over time leading to sales and management positions in the life and health insurance sector. Additionally, my background includes mortgage lending and retirement sales within banking institutions.

What’s your background? I was raised in small town Pennsylvania where I attended a private Catholic school eventually settling in Maryland while attending college for degree in nursing.

What values drive you? I derive my faith from a higher power, the constitution, the foundation of family, diversity, and the freedom of choice.

What activities do you enjoy doing when not at work? When I am not at work I enjoy time spent with family and gardening.