Cooperative Health Choices of Western Wisconsin
List of Accredited Brokers
~ ~ ~ CHC Accredited Broker ~ ~ ~
AREA Financial Services, Inc. www.areafs.com
211 Harvest Lane Ste 2, PO Box 116, Altoona, WI 54720-0116
Brian Flynn, 715-834-2786 or Cell: 715-577-1925, bflynn@areafs.com
Statement of Qualifications: OBJECTIVE: To provide a personal, professional approach to employee benefits for the employer. PRINCIPLES AND TECHNIQUES: Through personal consultation, the client’s needs are assessed and sound insurance options are presented and recommended. BENEFITS PROVIDED: Consulting services are provided for the following areas: Short/Long Term Disability; Health Savings Accounts; Life/Accidental Death & Dismemberment; Dental Plans; Health Insurance (Fully Insured and Self Funding); Section 125 Flexible Spending Accounts; and Voluntary Products (No Cost To Employer).
Kate Ludwigson, 715-834-2786, kludwigson@areafs.com
Statement of Qualifications: I’ve worked on all sides of the employee benefits field. My career started as a Human Resource Director for a small, rural hospital securing benefits for employees. I moved to Anthem Blue Cross Blue Shield where I worked all aspects of the operational side of an insurance carrier. In 1999 I moved into sales with Anthem, and then to Area Financial Services as an independent agent. I also work with individuals and seniors on finding the right coverage to meet their needs. Memberships include: Chippewa Valley Society of Human Resource Management and Wisconsin Association of Health Underwriters.
Associated Financial Group LLC www.associatedfinancialgroup.com
Mike Christensen, 800-258-3190 or 952-945-0200
michael.christensen@associatedfinancialgroup.com
12600 Whitewater Dr Ste 100, Minnetonka, MN 55343
Statement of Qualifications: Mike Christensen provides the stability of over 25 years of hands on Employee Benefits experience to his clients and Associated Financial Group team members. Mike’s core belief is to listen first and then leverage the needs of his clients through a team approach which includes the “best and brightest” of Associated Financial Group.
Prior to joining the Associated Financial Group team, Mike worked for Blue Cross & Blue Shield plans in Wisconsin, Minnesota, and North Dakota where he worked with the Employee Benefits teams for some of the largest and most diverse employers in the United States. Mike has broad expertise in medical, dental, life, disability and what the industry defines as Consumer Driven Health Plans (CDHP). Mike is licensed in both Minnesota and Wisconsin.
Mike’s community involvement has included board/leadership positions with the St. Croix County United Way and Hudson Area YMCA. Mike is an active member of the Wisconsin Association of Health Underwriters.
Debra Svihovec, 866-335-2227 x1803 or 715-834-8318
debbie.svihovec@associatedfinancialgroup.com
101 N Farwell St Ste 202, Eau Claire, WI 54703
Statement of Qualifications: Deb Svihovec's role as regional consultant is to develop, execute and evaluate plans while providing excellent service to our clients. In that capacity, she continually analyzes marketplace changes, legislative updates and current trends.
Deb's background includes working for a major insurance company as a service consultant and for Medicare in both Medical and Provider Relations and Contracting. She also has solid experience with association/alliance and chamber plans and setups.
Education: Business Degree; UW-Eau Claire
Professional Affiliations: Current Board Member, Chippewa Valley Society of Human Resources Management; Current Member and Past Chair, Eau Claire Area Chamber of Commerce Expo; Current Member and Past Chair, Leadership Eau Claire; Associate of the Year 2000 and Current Member, Chippewa Valley Home Builders Association; Assistant Treasurer, Big Elk Creek Lutheran Church; 2005 Outstanding Chamber Volunteer of the Year Award; Eau Claire Chamber Athena Award - 2006; and Current Board Member, Community Health Partnership.
Benefit Integrations www.benefitintegrations.net
Edward Dougherty, 651-253-5954, tdougherty@benefitintegrations.net
43 Main St SE Ste 513, Minneapolis, MN 55414
or
Rock Ridge Benefits www.RockRidgeConnect.com
Matt Engelmann, 800-381-2934,
matt@rockridgebenefits.com
13795 Hill Place Dr, Minneapolis, MN 55374
Statement of Qualifications: Matt Engelmann is the owner of Rock Ridge Benefits, a firm dedicated to working with small business owners on their employee benefit needs. Our firm has a strong focus on employee benefit education to help your employees appreciate and understand the benefit programs you make available.
~ ~ ~ CHC Accredited Broker ~ ~ ~
Benefit Plan Administrators of Eau Claire www.bpaco.com
Mark Paulson, 715-836-8209, mpaulson@bpaco.com
402 Grahm Ave, PO Box 1128, Eau Claire, WI 54702-1128
Statement of Qualifications: Have been in the insurance industry specializing in employee benefits for 14 years. Main focus is group sizes 10+ employee lives.
~ ~ ~ CHC Accredited Broker ~ ~ ~
Bremer Insurance Agency www.bremer.com
Bremer Insurance can provide you with cost effective solutions and time-saving services that include a full service team of employee benefits specialists and support staff, free COBRA administration, custom-built benefit websites that include HR services and access to benefits, rates, forms and other links.
Please contact us for more on the Bremer story!
Locations: Menomonie/Colfax; New Richmond; Amery; Frederic/Siren; Washburn/Bayfield
Tony Thornton, 715-962-6206, amthornton@bremer.com
633 Concord St S #350, South St. Paul, MN 55075
Statement of Qualifications: I have over five years of experience in providing solutions to clients, with an emphasis on Consumer Driven Health Plans(CDHP’s) that include HSA's and HRA’s. Bremer Insurance believes educating employees on how to understand, appreciate and utilize their benefits is important, and so we provide customized employee benefit meeings for your staff.
Doug Willert, 715-268-3302, djwillert@bremer.com
PO Box 416, Amery, WI 54001
Statement of Qualifications: I have over nine years of experience in providing solutions to clients, with an emphasis on Consumer Driven Health Plans(CDHP’s) that include HSA's and HRA’s. Bremer Insurance believes educating employees on how to understand, appreciate and utilize their benefits is important, and so we provide customized employee benefit meeings for your staff.
~ ~ ~ CHC Accredited Broker ~ ~ ~
Business Benefit Solutions, Inc.
Bret Smallman, 651-257-3746, businessbenefitsolutions@frontiernet.net
28069 Quarry Dr, PO Box 158, Center City, MN 55012
Statement of Qualifications: My name is Bret Smallman, my insurance agency is Business Benefit Solutions, Inc.
I am 41 years old, an Eagle Scout, I attended the University of MN, and I am married with an eight year old son. I pride myself on providing the high level of service that I like to receive, and firmly believe that the salesperson who sells the product should service the product.
I have specialized in medical, dental, life, and disability benefits since 1997 and enrolled in a Medical Savings Account (predecessor to the HSA) the same year, when it was just a pilot program. I understand the value HSA can have in the current marketplace and have found that education and service are the keys to successful implementation of any insurance product, especially HSA.
~ ~ ~ CHC Accredited Broker ~ ~ ~
C&B Insurance Services LLC www.candbinsuranceservices.com
Julie Ausen, 800-383-1525 or 715-530-0955, jausen1@brucetel.net
N47776 Norden Ridge Rd, Eleva, WI 54738
Statement of Qualifications: I became licensed in the life and health Industry in 1998. I spent 10 years working in life and health insurance for a large insurance agency. I have been working with both employer groups and with clients on a personal basis. In the spring of 2008, I purchased my existing book of business and joined C&B Insurance Services, LLC as a partner.
C&B Insurance Services specializes in working with businesses in regard to Employee Benefits. I have established many long term relationships with my existing clients. Through my dedication to customer service, I continue to expand my business.
Floyd (Bob) Davis 800-383-1525 or 715-868-1626 cbinsure@brucetel.net
W13026 Shamus Rd, New Auburn, WI 54757
Statement of Qualifications: I entered the insurance business in 1984 and have earned the professional designations of Life Underwriters Training Council Fellow (LUTCF) and Fraternal Insurance Counselor (FIC).
In 1989 I changed my focus from dealing primarily with life insurance and have been advising employers regarding Employee Benefits ever since. During this time I have worked almost exclusively with small businesses in Western Wisconsin, with virtually all of my clients having less than 75 employees. I feel that, coupled with having been a small business owner in the 70’s, gives me extensive understanding of the hurdles they face in providing cost-efficient benefits to their employees.
During the past 25 years I have spent considerable time educating other agents. I have been an instructor for Life Underwriters (now NAIFA), teaching courses in employee benefits, long term care insurance and disability income insurance. I have also taught continuing education courses in Consumer Directed Health Plans, Medicare & Medicare Supplements and Long Term Care for Chippewa Valley Technical College.
~ ~ ~ CHC Accredited Broker ~ ~ ~
Employers Benefit Group www.e-b-g.com
When you select an agent from Employers Benefit Group, you are assured of working with a professional who is well versed in employee benefits. Our staff averages over 20 years of benefits related experience and has professional designations and licensing from numerous industry accredited programs. Our experience includes individuals, small employers and large national accounts in a broad spectrum of industries, from private service companies to public entities. We will work with you to ensure your health insurance plan meets the needs of your business and its employees. We want to be more than your insurance agent – we will work hard to earn your trust and respect so that ultimately you will think of us as an extension of your Human Resources Department!
Dean Estling, 866-924-9990 x223 or 715-834-6913
destling@e-b-g.com
3300 Birch St Ste 2B, PO Box 1458, Eau Claire, WI 54702-1458
Michael Konzen, 866-924-9990 x222 or 715-834-6912
mkonzen@e-b-g.com
3300 Birch St Ste 2B, PO Box 1458, Eau Claire, WI 54702-1458
~ ~ ~ CHC Accredited Broker ~ ~ ~
Erik A Anderson eanfin@netzero.net
Erik Anderson, 715-723-0992 or Cell: 715-579-4629
612 Bridgewater Ave, Chippewa Falls, WI 54729
Statement of Qualifications: An independent insurance agent, I have been a sole proprietor for more than 30 years. Offering one on one enrollment to employers and each of their employees, I provide a personal touch that ensures a comfortable, reliable, experience for my clients. Currently I serve companies in; Barron, Buffalo, Chippewa, Clark, Dunn, Eau Claire, Pepin, Polk, Rusk, St. Croix, Taylor, and Trempealeau Counties. It would be a pleasure to serve you.
~ ~ ~ CHC Accredited Broker ~ ~ ~
Hedlund Agency www.hedlundagency.com
Alex Yohnk, 715-748-4213, alex@hedlundagency.com
136 W Broadway, PO Box 405, Medford, WI 54451
Statement of Qualifications:
~ ~ ~ CHC Accredited Broker ~ ~ ~
Holden Insurance Agency www.holdeninsurance.com
Shayla Mobilia, 715-392-1294, smobilia@holdeninsurance.com
823 Belknap St #121, PO Box 459, Superior, WI 54880
Statement of Qualifications:
JA Counter & Associates, Inc. www.jacounter.com
PO Box 387, New Richmond, WI 54017
Since 1976, J. A. Counter & Associates, Inc. has been building long-term relationships with both individual and corporate clients throughout Western Wisconsin. Our team of highly skilled, licensed professionals continually attends classes and seminars to keep up with the ever changing trends and issues. Using a team approach, our firm delivers the ultimate client satisfaction, focusing on customer needs and results.
Kathryn Cole, REBC, RHU, 800-334-9252 x8079 or 715-246-8079 kcole@jacounter.com
Statement of Qualifications: As an Employee Benefits Specialist of J.A. Counter & Associates, Inc, Katie assists clients with the design, installation and communication of their employee benefit plans, helping them make their plans cost-effective and value-driven. As an added value to her clients, Katie has an educated support team to help with the customers’ ever changing needs.
Janel Krueger, MSAA, 800-334-9252 x8076 or 715-246-8076 jkrueger@jacounter.com
Statement of Qualifications: Janel has worked for J.A. Counter & Associates, Inc. since 1999 as an individual sales consultant. Her specialties are individual medical, Medicare products, dental, disability, life, and long-term care. Janel works with an educated team to help adequately care for clients. Taking care of her clients and meeting their needs creates the passion behind what Janel does everyday.
Jillian Luken, 800-334-9252 x 8062 or 715-246-8062 jluken@jacounter.com
Statement of Qualifications: As an Employee Benefits Small Group Account Specialist at J.A. Counter & Associates, Inc, Jill, assisted by the J.A. Counter team, works hand in hand with small employers to help design and install benefit plans, answer customer service questions, and help with claims issues and the many administration tasks that employers face.
Linda Skoglund, LUTCF, RHU, CLU, ChFC,
800-334-9252 x8066 or 715-246-8066, lskoglund@jacounter.com
Statement of Qualifications: As President since 2001 and Employee Benefits Consultant of J.A. Counter & Associates, Inc. since 1990, Linda has become one of the top Employee Benefits Consultants in the area. Linda brings her broad knowledge and expertise to every client she works with along with a team of support staff who are well educated and professional. She assists her clients in a consultative role to help them achieve their employee benefit plan objectives.
Jeatran Associates www.jeatranassoc.com
Jack Jeatran, 715-235-6133, jjeatran@jeatranassoc.com
1321 Stout Rd, Menomonie, WI 54751
Statement of Qualifications: Jack Jeatran owns Jeatran Associates, which serves area employers providing employee benefits, including group health, life, dental and disability insurance. Jeatran Associates works with a number of private businesses and self-funded groups in northwestern Wisconsin. Jack has been with Jeatran Associates for over 25 years and the business has operated in Menomonie for over 40 years. He manages a group of five producers. Jack holds insurance licenses in Wisconsin and Minnesota, as well as being a Registered Representative for investments.
Johnson Insurance Services LLC www.johnsonins.com
Christopher Lokken, 800-497-9383 or 715-858-9743 clokken@johnsonins.com
PO Box 1508, Eau Claire, WI 54702-1508
Statement of Qualifications:
We have worked to help businesses be more profitable with their health insurance and employee benefit planning for over 10 years.
We are the experts in helping businesses to implement Health Savings Accounts to improve their bottom line.
We focus on health care cost education, health promotion and helping employees navigate the health care system.
As part of the Johnson Financial Group, we partner with Johnson Bank to provide you one source for your health insurance and Health Savings Account set up and administration.
We are privately owned by the Johnson Family, and we believe in treating all our clients like family.
LifePoint, LLC
Mary Krueger, 715-760-1350, lifepoint.wi@gmail.com
PO Box 2053, Baldwin, WI 54002
Statement of Qualifications: My name is Mary Krueger and I have been working with clients for the past 23 years on their health, life and disability needs. Over the years, I have had the pleasure of working with groups and individuals in various occupations and lifestyles.
The HRA, HSA and flexible spending accounts are not a new concept and have been used by many of my clients.
I can make your program easy to understand and use. Even if you are new to this type of concept, you will find that the process is simple.
Your “I will listen” representative - Mary Krueger
~ ~ ~ CHC Accredited Broker ~ ~ ~
LifeQuest Advisors LLC
Luke Kempen, 715-861-4715, lukekempen@charter.net
2141 Altoona Ave, Eau Claire, WI 54701
Statement of Qualifications: Luke Kempen, CPA, is founder and president of Lifequest Advisors, LLC. Luke is passionate about helping you find solutions to your health insurance needs. With twenty years experience as a Controller and Vice President of Finance for two companies and as a business owner, Luke understands your issues and concerns regarding how your company’s health insurance affects you, your business and your employees. Since 2003 as an independent insurance agent, Luke and Lifequest Advisors have been helping businesses like yours with HSA, HRA and other high-deductible health plan options. In addition, Lifequest Advisors can assist with your other work place benefits including flex plans, disability and life insurance options. Luke Kempen and Lifequest Advisors, LLC,--dedicated to bringing you innovative health insurance and employee benefit solutions that work!
RiverBank Insurance Center www.theriverbank.com
At The RiverBank Insurance Center we have developed “one-stop-shopping” for your company’s HSA program. Our Insurance staff has developed an employee education process utilizing our Employee Benefits Attorney and Pharmacist Consultants in the training curriculum. Through this process we are able to help your staff understand the benefits of HSA’s and make sound insurance decisions. If you select The RiverBank as your HSA account holder, your RiverBank customer service representative will work with you to set up the HSA direct deposits. When it comes time for enrollment, our RiverBank Personal Bankers will meet individually with your employees to help them understand their RiverBank HSA.
By selecting The RiverBank Insurance Center one of our following CHC certified trained agents will setup an appointment to meet with you, at your location and convenience, to present the CHC proposal.
Osceola, WI: Chris McKenzie, CIC (18 Years of Experience)
888-294-2183, cmckenzie@theriverbank.com
304 Cascade St, PO Box 188, Osceola, WI 54020
Osceola, WI: John Gauper, CPCU, CLU (28 Years of Experience)
715-294-2183, jgauper@theriverbank.com
304 Cascade St, PO Box 188, Osceola, WI 54020
St. Croix Falls, WI: Pam Stratmoen, CIC (25 Years of Experience)
888-352-6572, pstratmoen@theriverbank.com
2183 Hwy 8, PO Box 747 , St. Croix Falls, WI 54024
Somerset, WI: Jim Elkin, CIC (10 Years of Experience)
715-247-2655, jelkin@theriverbank.com
712 Rivard St Ste 200, Somerset, WI 54025
Hudson, WI: Sean Fitzgerald (7 Years of Experience)
877-592-5559, sfitzgerald@theriverbank.com
880 6th St N, Hudson, WI 54016
Chisago, MN: Denise Harder, CIC (9 Years of Experience)
651-257-6561, dharder@theriverbank.com
11151 Lake Blvd, PO Box G, Chisago City, MN 55013
Wyoming, MN: Carol Moore, CIC (28 Years of Experience)
651-408-9203, cmoore@theriverbank.com
26777 Fallbrook Ave, PO Box 97, Wyoming, MN 55092
In addition to having a selected agent, all of our employee benefit accounts are assigned to one of our Employee Benefit Specialists.
Designated Employee Benefits Specialists:
Carol Bulman, ACBC (38 years of experience)
Direct 715-483-2318 or Cell 715-491-5297, cbulman@theriverbank.com
PO Box 747, St. Croix Falls, WI 54024
Julie Lehmann , ACBC (10 years of experience)
Direct 715-381-2553 or Cell 715-410-9167, jlehmann@theriverbank.com
712 Rivard St Ste 200, Somerset, WI 54025
RJF Agencies, Inc. www.rjfagencies.com
6000 Nathan Ln N Ste 400, Minneapolis, MN 55442
Better Employee Benefits Solutions:
RJF agents are very experienced creating benefits packages that are sensitive to the needs of your employees while providing the ROI you’re expected to achieve using High Deductible Health Plans and Health Savings Accounts.
In addition to all health and welfare insurance lines, RJF provides a wide array of extra services to clients of all sizes throughout Wisconsin from offices in Eau Claire, Hayward, Spooner, Minneapolis, and Duluth.
- Employment Law advice hotline
- Health management & wellness services and consulting
- Employee communication strategy & tactics
- Electronic updates on related news & information
- COBRA & HIPAA assistance
- Employee contribution strategy assistance
- Actuarial assistance
- Compliance and contract review
- Human Resources services and consulting
Scott Chapin, 715-634-6513, chapins@rjfagencies.com
Statement of Qualifications: Read more about Scott Chapin at: http://www.rjfagencies.com/scottchapin.html
Jacquelyn Lobitz-Baumann, 763-746-8504, lobitzj@rjfagencies.com
Statement of Qualifications: Read more about Jacque Lobitz (link coming soon).
Sauter Fairchild Insurance www.sauterfairchild.com
Dan Conrad, 715-392-3123 x16, dconrad@sauterfairchild.com
1401 Tower Ave, Superior, WI 54880
Statement of Qualifications: I have held a Wisconsin Resident Life, Accident and Health Insurance license since 1993. I also hold a non-resident license in the State of Minnesota.
I am a member and former Vice President of the National Association of Insurance and Financial Advisors, Lake Superior Chapter.
I currently serve on the Finance Board at Mission Covenant Church in Poplar, WI. I am the Treasurer and Board Member of the Gordon L. Nelson Athletic Complex Fund Unincorporated Association. I am also on the Medicare Broker Advisory Board at Medica.
Most importantly, I am Husband to Carol and Father to Johanna and Carl.
Spectrum Benefit Solution www.spectruminsgroup.com
Karen Hebert, 715-723-8135, karen.hebert@spectruminsgroup.com
318 N Bridge St, PO Box 515, Chippewa Falls, WI 54729
Statement of Qualifications: I am dedicated to offering meaningful solutions and excellent value to my clients based on their unique goals and priorities. My entire career has been devoted to successful employee benefit design, implementation and management.
I have experience with all types of group and voluntary insured benefit programs and flexible spending plans. I am supportive of well-designed consumer-directed plans using both Health Savings Accounts and Health Reimbursement Accounts. I have had extensive experience in alternative financing methods: self-funding and partial self-funding. I have devoted considerable time and energy to wellness program design and execution.
I would be happy to be of service to you and your employees.
St Croix Valley Insurance Service http://stcroixvalleyinsurance.com
Karen Drewiske, 715-386-5353, karen@scvalleyinsurance.com
1200 Hosford St, Hudson, WI 54016
Statement of Qualifications:
The Insurance Center www.ticinsurance.com
Donald Schultz, 800-236-2232 or 715-836-7675 dschultz@ticinsurance.com
3301 Golf Rd Ste 101, Eau Claire, WI 54701
Statement of Qualifications: Donald Schultz is a broker for a very large independent agency, The Insurance Center, (TIC, Inc.) which sells employer benefit plans, individual products, and property & casualty insurance across Wisconsin and in several other states.
Don has been a licensed agent since 1982, working with group employee benefits since 1997 throughout Western and Northern Wisconsin. His experience includes the sale of health products that range from PPO to high deductible HSA qualified health plans to groups spanning in size from 2-500 employees.
Traynor Insurance Agency www.traynorinsurance.com
John Traynor, 715-778-5580, jtraynor.ins@hotmail.com
135 S McKay St, Spring Valley, WI 54767
Statement of Qualifications: Traynor Insurance Agency, Agent John Traynor has been serving Western Wisconsin for 20 years. We sell Life, Health, Disability, Poperty & Casualty and Business Insurance. Licensed in Wisconsin and Minnesota.
We have offices in Spring Valley and River Falls. We travel to serve our customers. They can call me or stop in to see me. I am here to service any customer that is in need of insurance of any kind.
~ ~ ~ CHC Accredited Broker ~ ~ ~
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