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