Insurance
Our partnership with Commonwealth Financial Network®, a leading independent broker/dealer, gives us access to a team of insurance and risk management specialists who assist us in our efforts to provide you with the best possible service. Each of the professionals on this team brings a breadth of experience in the industry and within his or her own specialization. You can learn more about the Commonwealth team below.
Ethan Young
Director, Insurance and Annuities
- Oversees the annuity and insurance product consultants
- Holds FINRA Series 6, 26, and 63 securities registrations
- Holds a BA from Allegheny College
- Has prior experience in positions several insurance companies, including Hartford Life, MassMutual, and John Hancock
Shannon Brennan, ChFC®, CLU®, FLMI
Director, Insurance Operations
- Oversees the Insurance Operations team, ensuring that cases move smoothly through the underwriting process
- Holds the Chartered Financial Consultant® (ChFC®), Chartered Life Underwriter® (CLU®), and Fellow, Life Management Institute (FLMI) designations; New Hampshire and Massachusetts life, accident, and health licenses; the Wealth Management Specialist designation; and FINRA Series 7, 24, and 66 securities registrations
- Holds a BS from Keene State College
Susan Kobara, CLTC
Supervisor, Long-Term Care
- Serves as a long-term care expert and primary point of contact, helping design strategies to reduce the financial risk of health care costs
- Manages Commonwealth's long-term care insurance carrier relationships and product portfolio
- Holds the Certified in Long-Term Care (CLTC) designation and the FINRA Series 6 securities registration
- Holds a BA from Queens College, City University of New York, and an MBA from Loyola Marymount University
Thomas Bonner
Insurance Product Consultant
- Assists with case design, product illustrations, and other inquiries, with particular emphasis on life insurance
- Holds a BA from Framingham State University
- Has prior experience in positions at LPL and Sun Life
Michael Callahan
Insurance Product Consultant
- Assists with case design, product illustrations, and other inquiries, with particular emphasis on life insurance
- Hold a BS in finance from the UMass Lowell
- Has prior experience in positions at John Hancock and New York Life
Jim Doucette
Insurance Product Consultant
- Assists with case design, product illustrations, and other inquiries, with particular emphasis on life insurance
- Holds a BS in accounting from Bentley University
- Has prior experience in positions at Ameriprise and Banc of America Investment Services
John Henkelman, CFP®, CLU®, CLTC, CRPC®
Insurance Product Consultant
- Assists with case design, product illustrations, and other inquiries with a particular emphasis on life insurance
- Holds the CERTIFIED FINANCIAL PLANNER™ certification, Chartered Life Underwriter® (CLU®), Certified in Long-Term Care (CLTC), and Chartered Retirement Planning CounselorSM (CRPC®) designations
- Holds a BS from the University of Wisconsin–Stevens Point and an MBA from Suffolk University
Michele Santiago
Insurance Product Consultant
- Assists with case design, product illustrations, and other inquiries with a particular emphasis on life insurance
- Holds a BS from the College of New Jersey
- Has prior experience as director of client relations at Northwestern Mutual
Jennifer Legacy
Associate Insurance Product Consultant
- Assists with case design, product illustrations, and other inquiries, with particular emphasis on life insurance
- Holds the FINRA Series 7 securities registration
- Holds a BA from the University of California, Los Angeles
Melissa Falone
Team Lead, Insurance Operations
- Manages and expedites cases through the underwriting stages to ensure a smooth process
- Troubleshoots underwriting issues and communicates case status to advisors
- Holds a BS in finance from Bentley University
Jenna Maloney, FLMI, ACS
Senior Case Manager
- Manages and expedites cases through the underwriting stages to ensure a smooth process
- Troubleshoots underwriting issues and communicates case status to advisors
- Holds the Fellow, Life Management Institute (FLMI) and the Associate, Customer Service (ACS) designations
Susan Carrozza
Case Manager
- Manages and expedites cases through the underwriting stages to ensure a smooth process
- Troubleshoots underwriting issues and communicates case status to advisors
- Holds a BA from the University of New Hampshire
Matthew Chasey
Case Manager
- Manages and expedites cases through the underwriting stages to ensure a smooth process
- Troubleshoots underwriting issues and communicates case status to advisors
- Holds a BS in business administration from Nichols College and an MBA from Southern New Hampshire University
- Has prior experience as a senior claims representative at Commerce Insurance
Ryan McNamara
Case Manager
- Manages and expedites insurance cases through the underwriting stages to ensure a smooth process
- Troubleshoots underwriting issues and communicates the case status to advisors
- Holds a BS in business management from Bridgewater State University
- Has prior experience as a benefits analyst at Sentinel Benefits & Financial Group
Katherine Pierce
New Business Associate
- Enters insurance applications into Commonwealth’s systems, verifies licensing information, and contacts clients to obtain insurance applications over the phone
- Holds a BA from St. Lawrence University
Maria Lozano
New Business Associate
- Enters insurance applications into Commonwealth’s systems, verifies licensing information, and orders and checks on APS records and medical exams
- Has prior experience as a customer service representative and assistant manager at PLS Financial Services
Annie O’Sullivan-Jennings
New Business Associate
- Enters insurance applications into Commonwealth’s systems, verifies licensing information, and contacts clients to obtain insurance applications over the phone
- Holds a master’s degree from Brandeis University
Rebecca Riter
New Business Associate
- Previews applications, enters client information into Commonwealth’s systems, and orders appropriate medical requirements
- Holds a BA from Emerson College