ChFC, CLU, LUTCF
Tom utilized his 30+ years in the insurance industry to create a proprietary software tool that compares and evaluates plans across insurance companies, called The Matrix. His ability to see the relationship of numbers and to compare and contrast them against the current situation is the knowledge Tom shares with clients everyday. We under-stand your current situation and work with you and your objectives, as a team. We can identify cost saving patterns that produce results to your bottom line. We analyze risk/cost relationships, not only for the next plan year, but plan strategically for several years.
Lori has over 18 years experience working within the Human Resource arena. It is this knowledge that sets her apart from other benefits brokers. She is a vital partner to her clients. Through her education and industry knowledge, she is able to help her clients find sustainable benefits for their employees.
Employers are very busy today keeping their business growing as well as attracting and retaining quality employees. It is Lori’s job to make the employee benefit side of transactions clear and simple for her clients. Lori analyzes and compares plans so you don’t have to, then displays the research findings in The Matrix so you can see your options at a glance.
There are many options out there today for benefits, as well as ever-changing regulations. It is important to align your organization with an expert that can assist you with benefit plans. Her clients save time, money and avoid aggravation.
Steve Dabelow ChFC, CLU
Steve Dabelow is a senior associate at AEEB, Inc. Steve specializes in helping business owners and employees make smart choices about their benefit elections. He has been in the financial services business since 1990 serving both business owners and individuals with their planning needs. Having run multiple family businesses prior to his present position, Steve understands the challenges businesses face regarding their employee benefits, and is able to communicate on their level. Steve graduated from St. Olaf College in Northfield, MN, with majors in Economics and History.
Bob started in the insurance industry in North Dakota representing carriers in the employee benefit arena, in 1986. In 1992 moved to Minneapolis – Saint Paul area and continued in the employee benefits industry as an independent marketing representative for many carriers. In 2000 started focusing on the Third-Party Administration of tax advantaged plans and was a contractor representing and selling TPA services until joining and working fulltime with Armbruster Executive & Employee Benefits, Inc.
Currently consulting and marketing Employee Benefits to small and mid-sized groups in the states of MN, ND, & SD. By concentrating on tax advantage solutions and plan design we solve employer benefit concerns and develop benefit structures that can enhance an employer’s benefit offering to their employees. This helps attract and retain the best employees.
Heidi joined the Armbruster team in 2018. She specializes in Medicare, Individual/Family Insurance and Small Company Employee Benefits. She began her insurance and financial services career 30 years ago working with annuities, mutual funds, taxes, property / casualty insurance and has focused on health insurance for the last 15 years.
She believes in giving back to her community and industry. She was appointed by the Governor to serve a 4-year term on the Minnesota Board on Aging – advocating for Minnesota’s Seniors. She also served 2 terms on the Health Industry Advisory Committee to the MNSure Board of Directors. She has been actively involved with the Minnesota Association of Health Underwriters and has served as its President and on the Board of Directors for many years. In 2018, she was awarded the Symanitz Lifetime achievement award.
Heidi lives in Andover with her husband Larry. She loves to play hockey in her spare time.
Andy Wayt has over ten years of working in the Executive and Ownership planning space. His specialty is in engaging clients in multiple roles to guarantee the overall plan is executed correctly. Owners and executives looking for guidance on how to attract and retain key employees, transfer their business, or begin setting the business up for sale are areas he can help with. If you care about your business and your colleagues, we can help you find a way to keep both around until retirement.
Sonja Hall has over fifteen years experience in financial planning and group benefits. She was affiliated with a large financial services company where she served as a senior consultant, and was selected to be part of an elite group of advisors. She has also worked in both a corporate environment and owned an award winning construction company, resulting in robust business experience.
Here at Armbruster Employee Benefits, Sonja plays a dual role. She manages our operations and handles our clients’ needs, serving as a resource, guide and problem solver. Sonja also heads our Financial Services area, offering group retirement plans, executive benefits planning and personal financial planning. For more information about financial services she offers, please go to www.you-financial.com.
Carolyn joined the Armbruster Executive & Employee Benefits Client Services & Operations team in 2015. She holds her Bachelor of Science in Business with a degree in Finance from the University of Minnesota Carlson School of Management. She strives to be relentlessly helpful with her clients with attention to detail that is coupled with empathy. Carolyn is an amateur stargazer and also an award winning seed artist at the Minnesota State Fair