Commonwealth Insurance Team

    Commonwealth Insurance Team

    Commonwealth Insurance Team

    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

    Noah Wizer-Vecchi, CFP®, ChFC®, CLU®, CLTC

    Supervisor, Insurance Consulting

    • Assists with case design, product illustrations, and other inquiries related to life, disability, and long-term care insurance
    • Holds the CERTIFIED FINANCIAL PLANNER™ certification, Chartered Financial Consultant® (ChFC®), Chartered Life Underwriter® (CLU®), and Certified in Long-Term Care (CLTC) designations
    • Holds a BA in economics from UMass Amherst

    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