Professional Staff

As Director of Voluntary Benefits, Mr. Bindel oversees the implementation and administration of voluntary benefit plans for corporations. He is responsible for coordinating the proposal process, and managing the enrollment strategy and logistics for voluntary benefit enrollments. He also assists with the recruitment and training of the enrollment team.

Mr. Bindel has more than 15 years experience in the insurance industry. Prior to joining TWC, he spent eight years with Impact Enrollment Solutions serving as Director of Enrollments. Mr. Bindel has worked with several insurance carriers in a management and client service capacity, and also has nine years experience in the banking industry.

Mr. Bindel earned a Bachelor of Science degree in Business and Finance from Mount Saint Mary’s College. He holds a life and health Insurance license in the state of Maryland.

As Director of Client Service, Mr. Boehm is responsible for managing the call center staff for both day-to-day customer service issues and enrollments. Mr. Boehm works with our policy holders, clients and vendors to ensure complete satisfaction among policy holders.

Prior to joining TWC, Mr. Boehm was Director of Underwriting for an international life settlement company, and has more than ten years’ experience in the insurance industry. He also has four years’ experience as an addictions counselor and served in the United States Marine Corps.

Mr. Boehm earned a Bachelor of Arts degree in Psychology with a minor in Criminal Justice from Widener University. He is also a Certified Fraud Examiner and holds a life and health insurance license in the state of Maryland.

As Business Intelligence Developer, Ms. Boesch is responsible for designing and building TWC’s Enterprise Data Warehouse and web-based applications, leading the company’s Business Intelligence initiative.

Jennifer is an IT Professional with over 20 years of experience and a proven track record of business technology process improvement. Prior to joining TWC, Ms. Boesch was a part of the IT team for the Harford County Government for almost 10 years. She worked as a Programmer Analyst and Database Administrator during her time there, developing ASP.NET Web Applications and developing and maintaining SQL Server Databases. She focused on Data Analytics and ETL processes, developed Business Intelligence Reports in SQL Server, and worked internally with multiple departments to translate business requirements into functional implementations. Jennifer’s work experience also includes government contracting, other government agencies as well as private industries. 

Ms. Boesch received her Associate degree in Computer Information Systems from Harford Community College and has attended numerous Microsoft Certification courses to supplement her education.

Apart from her professional activities, Jennifer founded the Megan Boesch Nursing Scholarship Fund to enable young women to attend the Nursing program at Harford Community College. She enjoys giving back to the community by managing the fund, organizing fund-raisers and volunteering with other charitable organizations.

 

As Associate Director of Client Services, Ms. Boser is responsible for managing the implementation and ongoing administration of executive benefit plans. She works extensively with our clients and participants to provide administrative and support services.

Prior to joining TWC, Ms. Boser was an Account Executive with Integrated Health Strategies, formerly Clark Consulting. She has over 20 years of insurance and benefit plan administration experience, as well as seven years office management experience.

Ms. Boser earned a Bachelor of Science degree in Business Management with a minor in Marketing from Carlson School of Management at the University of Minnesota.

As Executive Service Representative, Ms. Churby is responsible for assisting clients with service needs, interacting with carriers, researching and addressing all questions and providing an efficient response. Ms. Churby also works with the Communications Department preparing marketing packets, maintaining inventory of communication materials, and providing marketing research and support. In addition, Ms. Churby assists the Office of the Chairman, as well as several other departments including the Call Center of the Voluntary Benefits Department.

Prior to joining The Warner Companies, Ms. Churby spent 13 years with a national executive benefit consulting firm as an Executive Assistant.

As Receptionist, Ms. Costa is responsible for greeting and directing all visitors, handling incoming calls, and special administrative projects including written correspondence and proposal preparation.

Ms. Costa earned a Bachelor’s degree in Business, and a minor in Psychology, from Eastern University. Prior to TWC, Ms. Costa was an Independent Sales Consultant for nine years and also worked as an Office Manager. She is a key part in the daily administration of the office.

As Associate Director, Multi-Life Service, Ms. Cox is responsible for managing the implementation and administration of executive benefit plans. Services include new business enrollment, billing, policy delivery, renewals, and ongoing client support and administration.

Ms. Cox obtained her Associate of Arts degree in Business Law from Villa Julie College in 1980 and has worked in the insurance industry since 1984.

As Vice President of Voluntary Benefits, Ms. Davis oversees the implementation and administration of voluntary benefit plans. She is responsible for coordinating the proposal process and managing the enrollment strategy and logistics for voluntary benefit enrollments. She also assists with the recruitment and training of the enrollment team.

 

Ms. Davis has over 20 years of experience in marketing and insurance. Prior to joining The Warner Companies, she was Director of Marketing and Administration for a local insurance firm and spent seven years as an Account Manager for wellPORTAL, LLC in Las Vegas, NV, supervising the patient-centered medical home health care program for clients, including corporations and unions within Las Vegas, Nevada with 500 to 2,500 employees.

Ms. Davis is a graduate of Towson University with a Bachelor’s Degree in Mass Communications with a specialization in Advertising.

As New Business Coordinator, Ms. Dollinger is responsible for all aspects of the underwriting process, including obtaining application information, coordinating medical information from physicians and underwriters, and obtaining final underwriting offers.

She has been in the insurance industry since 1971, working for an extended period of time with one the largest Life Underwriters in the country. She joined TWC in 1997.

As Case Manager, Mr. Drennan is responsible for planning, implementation and ongoing management of client engagement throughout the course of the plan year. He has an extensive background in project management.                                                               

Prior to joining The Warner Companies, Mr. Drennan was the Marketing Director for a local, private membership establishment where he developed and evaluated marketing strategies and conducted surveys and interviews to gather and analyze customer insight.             

Mr. Drennan attended the University of Oklahoma with a Bachelor of Arts degree in Film and Video Studies.

As Chief Investment Officer, Mr. Elphick manages The Warner Companies Individual Portfolio Investment Practice, offering customized portfolios to high net worth individuals and institutions.

Prior to joining TWC, Derek Elphick was a Portfolio Manager for United Bankshares, where he served as head of asset allocation for United Wealth Management’s Investment Committee. There he oversaw portfolios for pension funds, foundations and endowments, and high net worth families. Before that, he served as Senior Business Development Manager for Endo Health Solutions, specializing in pipeline and portfolio planning in the healthcare sector.

Mr. Elphick received a Bachelor’s Degree in finance from the University of Scranton. He is a CFA® charterholder and member of the CFA Society of Washington, DC.  He also is a registered representative with Financial Industry Regulatory Authority (FINRA) holding the Series 7 and 63.

As Controller, Ms. Fay is responsible for handling all aspects of accounting, including accounts receivable, accounts payable, payroll, budget preparation, forecasting, month-end close, and completion of financial statements. She works closely with all team members to insure accuracy.

Ms. Fay has almost 20 years of experience as a Financial Executive, most recently as Chief Financial Officer and Chief Operating Officer at B&O Railroad Museum & Affiliates. Ms. Fay’s accomplishments include a 20 million-dollar insurance claim settlement, business acquisitions and complete financial business planning.

Ms. Fay is a graduate of Johnson & Wales University with a bachelor’s degree in Business Administration and a master’s degree in Business Administration and Public Administration from Strayer University.

As Vice President of Corporate Communications, Ms. Feeley Martin is responsible for overseeing the development of all internal and external communications material, and works with each department to prepare communication timelines and collateral for clients. She is the lead graphic designer responsible for the creation and design of all communication pieces for The Warner Companies as well as for clients including, but not limited to; benefit guides, marketing kits, various mailers, posters, flyers, enrollment packets, as well as other customized collateral. Bridget is also responsible for the design and maintenance of the The Warner Companies website.

Prior to joining TWC, Bridget was an Event and Marketing Manager for a local media sales company, and worked in Account Management for several national insurance carriers. Her experience includes development and implementation of marketing campaigns and budgets, event and sponsorship management, graphic design, and preparation and distribution of communication materials.

Bridget attended York College of Pennsylvania where she earned a Bachelor of Arts degree with a double major in Fine Art and Graphic Design, and a minor in Art History.

As a Call Center Service Representative, Ms. Fields is responsible for communicating and enrolling employees in their benefits through the Voluntary Benefits Call Center. She has a strong customer service background and assists in handling client issues and questions.

As Associate Director - Private Client, Ms. Gerhart is responsible for insurance service and assistance on daily tasks and special projects for the Investment and Planning Department, including client account reconciliations and data management, research and data gathering, maintenance of compliance logs, preparation of materials for client meetings and quarterly statements, and coordination of the annual tax return process.

Ms. Gerhart is a graduate of West Virginia University with a Bachelor’s Degree in Multidisciplinary Studies, with concentrations in advertising, communications, sports and exercise psychology.

Prior to joining TWC, Erica worked for the British Embassy in Washington, DC as an Examiner and Correspondence Officer.

As Data and Technology Analyst, Mr. Green is responsible for data analysis and systems administration, reconciliations, commissions tracking, automating processes and developing internal databases.

Prior to joining The Warner Companies, Mr. Green worked as a Sales Associate for a local music company handling the daily operations, and as a band manager, managing marketing strategies on various social media platforms, graphic design and website maintenance.

Mr. Green received his bachelor’s degree in Computer Music and Multimedia from Brown University and a Master of Professional Studies, Cybersecurity from University of Maryland Baltimore County. Adam completed General Assembly, Software Engineering Immersive, a three (3) month program on front- and back-end programming languages, tools, and methodologies.

 

As Vice President of Employee Benefit Operations, Ms. Hinchy leads the Employee Benefits team of Consultants to ensure successful client relationships. She oversees the general process management for a first class experience for our clients. Ms. Hinchy is also responsible for the planning and implementation of prospective client accounts, as well as the ongoing administration and benefit consultation for existing client accounts.

Ms. Hinchy has over 27 years of financial, marketing and client services experience. Prior to joining TWC, she worked as an Underwriting & Client Services Director with HMS Insurance Associates, Inc.

Ms. Hinchy attended Harford Community College focusing on Accounting and Business Administration. She completed the Dale Carnegie Leadership Training for Managers and holds a life and health insurance license in the state of Maryland.

 

As a Call Center Service Representative, Ms. Kissel is responsible for assisting clients with service needs, addressing all questions and providing an accurate and efficient response.

Ms. Kissel graduated from McDaniel College with a Bachelor’s Degree in English with minors in Writing and Sociology. She was a Resident Advisor, helping other students resolve differences, and tutored in the Writing Center where she assisted students to improve their writing skills. Ms. Kissels holds a life and health insurance license in the state of Maryland.

As Senior Associate - Private Client, Ms. Kissel is responsible for service, operations, and implementation of recommendations within the Private Client area. This includes new business as well as service of the firm's existing clientele.

Prior to joining TWC, Ms. Kissel worked for a local wealth management firm for 18 years as a back office administrator. She was responsible for the completion and submission of new accounts and for providing service to brokers, custodians, and clients. Ms. Kissel also has several years of experience as a law firm administrative assistant and in retail management.

Ms. Kissel is a graduate of Millersville State College with a Bachelor’s degree in History. She maintains life and health insurance licenses in the state of Maryland and is a registered representative with Financial Industry Regulatory Authority (FINRA) holding the Series 6.

As Vice President, Information Systems, Ms. Kosiorek designs, analyses and evaluates programming and technology solutions for our business systems. She has developed a proprietary database to house detailed information on plan participants, policies, status, and eligibility for various plans providing TWC a process to quickly and easily advise clients and carriers. She acts as the liaison to ensure data accuracy and integrity between clients and vendors, and has enhanced the TWC reporting capabilities by creating concise reports for internal and external distribution. She also develops strategies for data management and the overall implementation of the databases.

Prior to joining TWC, Ms. Kosiorek was the Manager of Financial Planning and Analysis for Johns Hopkins Healthcare where she oversaw the EHP line of business. She developed and maintained budgets for both the EHP line of business and the Managed Care Division of Johns Hopkins Healthcare. She also conceived, designed and implemented a system to audit claims and setup.

Ms. Kosiorek holds a Bachelor of Science degree in Accounting from Loyola College and has over 20 years of accounting and data management experience.

As New Business Coordinator, Ms. Kregelstein is responsible for all aspects of the underwriting process, including obtaining application information, coordinating medical information from physicians and underwriters, and obtaining final underwriting offers.

Ms. Kregelstein has worked in the insurance industry since 1980, starting with our company in 1982, as an Administrative Assistant.

As Accounting Assistant, Ms. Mitchell is responsible for financial transactions received from various vendors on a monthly basis, entering information about new accounts, and reconciling existing accounts. She also provides administrative support to several departments and is a key part of the daily administration of the office.

Ms. Mitchell has over thirty years of Administrative and Accounts Payable experience and a track record of accurately and efficiently supporting overall accounting activities.

As Director – Private Client, Ms. Montgomery is responsible for service, operations, and implementation of recommendations within the Private Client area. This includes new business as well as service of the firm's existing clientele.  

Prior to joining The Warner Companies, Ms. Montgomery served as Director of Client Services for a local wealth management firm where she was responsible for overseeing the completion and submission of new accounts and for providing service to brokers, custodians, and clients.

Ms. Montgomery graduated from the University of Maryland University College with a Bachelor’s Degree in Finance. She is a Financial Paraplanner Qualified ProfessionalTM (FPQPTM), Accredited Investment Fiduciary (AIF®) and holds Maryland state life and health licenses.

 

As Administrative Assistant, Ms. Nelson assists the Office of the Chairman, as well as several other departments including the front desk, responsible for handling incoming calls and special administrative projects, written correspondence and proposal preparation.

Prior to joining The Warner Companies, Ms. Nelson retired from Crawford Advisors after 17 years with the company.

As Vice President - Planning, Mr. Oliver is responsible for working with both the Planning and Investment Departments on all aspects of the planning process, including insurance case design planning and financial analysis. While his primary focus is individual insurance case design, he also assists in design planning of executive benefit insurance cases.

Prior to joining TWC, Mr. Oliver worked in management within the employee service industry and as a Financial Analyst with a national engineering company. He has over 15 years of experience.

Mr. Oliver holds a Bachelor of Arts degree in Economics with Certificates in Finance and Technical Writing from the University of Maryland Baltimore County. He has obtained the Maryland state life and health licenses and is a registered representative with Financial Industry Regulatory Authority (FINRA) holding the Series 6.

As Senior Consultant, Ms. O’Neill is responsible for the planning and implementation of prospective client accounts, as well as the ongoing administration and benefit consultation for existing client accounts. This process includes gathering benefit plan information for the in force program, reviewing the existing benefit programs, generation of the initial RFP, rate negotiation and plan design analysis with the appropriate vendors, and consolidation of RFP responses into a final presentation. Ms. O’Neill works closely with the vendor and the client to ensure a smooth implementation of the benefit program chosen by the client.

She has extensive experience with complex benefit programs, including self-insured and ASO funding arrangements. In addition to the marketing of benefit programs, Ms. O’Neill is also responsible for administration of employee benefit programs, including seeing the enrollment, billing, compliance, online technology and customer service functions.

Ms. O’Neill has 20 years of experience in the insurance industry. Prior to joining TWC, she held consulting and account management positions with Crawford Advisors/Wachovia Insurance Services and Integrated Health Services.

Ms. O’Neill graduated with honors from the University of Delaware with dual degrees; a Bachelor of Science in Business Administration and a Bachelor of Arts in Psychology. She has obtained a Master of Business Administration from the University of Baltimore, also graduating with honors. She holds a Maryland state life and health license and is a member of the National Association of Health Underwriters (NAHU). Ms. O’Neill is an active volunteer with Girl Scouts, Junior Achievement and her local school system. She also supports a number of children’s charities as well as a golden retriever rescue group.

As Vice President - Private Client, Mr. Penzi is responsible for working with both the Planning and Investment Departments on all aspects of the planning process, including financial analysis and insurance case design, researching new investment opportunities and analyzing market trends. He also focuses on cultivating and maintaining collaborative relationships with The Warner Companies’ Strategic Partners. Mr. Penzi has developed a nationwide network of valued business relationships consisting of industry professionals, physicians and private business owners.

Mr. Penzi has over 10 years of experience in comprehensive financial consulting. Prior to joining The Warner Companies, he was a Senior Vice President at Heritage Strategies in New York. Mr. Penzi specialized in sophisticated estate, business, charitable and life insurance planning for affluent individuals, representing some of America’s most prominent families. He was responsible for the development and management of the firm’s clients and relationships with key intermediaries.

Mr. Penzi graduated from the Dolan School of Business at Fairfield University with a B.S. in Finance and Management. He holds various licenses including Life, Accident & Health Insurance, Variable Life Insurance & Annuities, Property & Casualty Insurance, General Securities Representative (FINRA Series 7) and Uniform Securities Agent State Law (FINRA Series 63).

Mr. Penzi is currently pursuing his Certified Financial Planner and Charter Financial Consultant designations.

As Systems Administrator, Mr. Purdum installs, configures, and maintains the organization’s IT systems, corporate network and other services. He installs new hardware and software and acts as part of the help desk to resolve hardware and software related problems for end users. He also manages system backup and data recovery, as well as system security.

In addition, Mr. Purdum evaluates new hardware, software and services, plans IT projects and related budgeting. He also works with third party vendors to determine and implement improvements and solutions as needed.

Mr. Purdum obtained his Bachelor of Arts degree in Computer Information Systems from Towson University in 2001. He also holds a Maryland state life and health Insurance license.

As Senior Account Manager, Ms. Sheats is responsible for health and welfare benefit plan consulting, including; strategic planning, vendor management, marketing, plan implementation, renewals, as well as the ongoing administration for existing clients.

 

Ms. Sheats has over 30 years’ experience in the insurance industry. Prior to joining The Warner Companies, she worked as an Account Manager with HMS Insurance Associates, Inc., managing over 80 small and larger group clients. She has experience in claims payment, enrollment and billing, and eligibility and commission accounting.

 

Ms. Sheats holds a life and health insurance license in the state of Maryland.

As Senior Administrative Assistant, Ms. Taylor provides direct administrative support for the Office of the Chairman, assisting the President of the company. She also manages the licensing and appointments for all licensed individuals at TWC, as well as helps facilitate the licensing process for our strategic partners.

Prior to joining The Warner Companies, Ms. Taylor worked for a medical office for 18 years, and was most recently an Office Manager. She was responsible for payroll, processing insurance claims, billing, customer service, collections and scheduling.

Ms. Taylor has designations as a Certified Medical Assistant, Geriatric Nursing Assistant, Certified Nursing Assistant and Certified Phlebotomist.

As New Business Manager for Voluntary Benefits, Mr. Travers works to ensure customer satisfaction and success of enrollments through the training of Benefit Counselors, coordinating scheduling, implementation planning, and enrollment processing and post enrollment follow up. Other duties include vetting voluntary benefit products and carriers, completing detailed product comparisons, and executive summaries.

Prior to joining TWC, Mr. Travers worked on the Benefits Administration team for Xerox/Towers Watson. Mr. Travers has extensive experience training Benefit Counselors, both in the United States and abroad, to handle enrollment and customer service support, running benefit call centers, and has expertise with Knowledge Management software.

Mr. Travers holds a life and health insurance license in the states of Maryland, Washington DC, New Jersey, New York, South Carolina, and Virginia. Mr. Travers also holds a Voluntary Benefits Specialist (VBS) designation. In addition to his business and professional activities, Mr. Travers volunteers for various local charities.

As Senior Director – Private Client, Mr. Truss is involved in the managing and trading of individual portfolios, investment recommendations, and preparing quarterly performance statements. He is also responsible for researching new investment opportunities, analyzing market trends, as well as client communications in the Planning and Investments Departments.

Mr. Truss began his career in the financial services industry in 1998 with Legg Mason Wood Walker. In addition to Legg Mason, he held positions with ICMA Retirement Corporation and Citigroup Institutional Consulting. Prior to joining TWC, he was a senior analyst with a local institutional and high net worth consulting group.

Mr. Truss obtained a Master of Business Administration with a concentration in Finance from Loyola College, and has a Bachelor of Science in Business Administration from Towson University. He is a registered representative with the Financial Industry Regulatory Authority (FINRA) member firm holding Series 7, 63, and 66 licenses and holds a Maryland state life license.

As a Senior Consultant, Ms. Unitas is responsible for benefit plan consulting, including renewals, marketing, plan implementation, ongoing administration and benefit consultation.

Ms. Unitas has over 25 years of experience in the insurance industry and human resources. Prior to joining The Warner Companies, Jan spent the last eight (8) years at AP Benefit Advisors, LLC (formerly Crawford Advisors, LLC) as a Senior Account Manager. 

Ms. Unitas graduated from Towson University with a Bachelor of Science in Education. She has numerous designations and holds a Life and Health Insurance license in the state of Maryland.

As Financial Consultant, Mrs. Young is responsible for health and welfare benefit plan consulting, including; strategic planning, vendor management, marketing, plan implementation, renewals, as well as the ongoing administration for existing clients.

Mrs. Young has over 10 years’ experience in the insurance industry with actuarial experience. Prior to joining The Warner Companies, she was Benefits Analyst for Bolton, responsible for consultation of small and mid-market groups.

Mrs. Young graduated from Stevenson University where she earned a Bachelor’s Degree in Applied Mathematics.