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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 every day. 


We understand 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.

Thomas Armbruster |


Lori is the Managing Partner at Armbruster Executive & Employee Benefits. She serves as the visionary of the organization as well as oversees all operations, while continuing to serve many of her own

long-time clients. 

Over the course of her 24-year career in the human resources industry, she knows that benefits are a moving target, and customers need a knowledgeable resource that stays on top of the ever-changing industry. 

Lori was raised in an entrepreneurial family; her parents bought their first grocery store when she was a child. She says, “When you are raised by parents who own their own business, we quickly learned that a strong work ethic was important and the value of serving others first was paramount to success. In my career, these principles of service provided me the tenacity and springboard to emulate my parents and help other companies obtain sustainable employee and executive benefits so that businesses can attract new talent, retain the talent they have, and grow their business without disruption.”

With her entrepreneurial spirit and value of serving others first, she is committed to the organizational development of everyone on her team, so that they deliver the Armbruster promise of making benefits easy

for the clients they serve.

Lori lives in Mahtomedi and in her spare time is an avid outdoorswoman who enjoys kayaking, cycling, and hiking.

Lori Lance |


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 full-time 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.

Bob Stein |

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Sonja Hall has over fifteen years of experience in the Employee Benefits Insurance Industry. Previously 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 Executive & Employee Benefits, Sonja plays an important role. She manages our operations and handles our clients’ needs, serving as a resource, guide, and problem solver.

Sonja Hall |


Brian brings a whole-picture approach to employee benefits, with a background in both traditional and supplemental benefits. Having spent the past several years working with small businesses, Brian believes in forming long-term relationships that ultimately protect your most important assets. 

Since moving to the Twin Cities, he has quickly grown roots, finding himself very involved with his community, as well as several local non-profits. He lives north of Saint Paul with his wife and son.

Brian Cern |


Brad worked for a large national insurance company before specializing in individual/family health insurance, Medicare, and small employer plans since 2005. Brad has helped many navigate through the ever-changing health insurance markets over the years helping find a good fit for their needs.

Brad is a member of local and national affiliations including MAHU, NAHU and is MNsure certified which keeps him up to date on current events in the community and nationally.

Brad has a son who keeps him busy and enjoys participating in various sports throughout the year.

Brad Mickle |


Jessica joined the Armbruster Executive & Employee Benefits Team as a Client Services Specialist in November 2021. She has been in client-facing positions in the finance industry and brings her passion for helping others to Armbruster.


Her role at AEEB is to provide first-step communication for clients to our Brokers and Healthcare Carriers to answer questions, address concerns, or engage in resolutions. Jessica is there to assist our clients in understanding and submitting their enrollments, changes, or cancellations and handles questions on the process.


She is currently enrolled at the University of River Falls to complete her Bachelor's degree in Business Management. When she isn't at Armbruster, she enjoys spending time with her children, outdoor activities, hockey in the winter, and reading.

Jessica Dragun |

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