The CPS Advantage Team
Danielle Gonzalez
Concierge Case Management, Medical Underwriting Review
(562) 735-5146
danielle.gonzalez@cpsadvantage.com
(562) 735-5146
danielle.gonzalez@cpsadvantage.com
Danielle Gonzalez is a concierge case manager, supporting producers with tasks including applications, underwriting, ordering medical records, and policy documents. Her specialty is in managing complex or large cases, including those with underwriting challenges. Danielle recently passed an advanced life underwriting exam and is studying toward advanced underwriting degrees. She has been with CPS Advantage since 2005 - but actually participated in building predecessor agencies dating back to the mid 1990s.
Danielle strives to proactively communicate with her clients throughout the process, giving updates on each case every other business day. Her high-touch service approach allows the producers she serves to relax, knowing that Danielle is pushing the case forward and keeping them abreast of updates as they occur.
In her free time, Danielle enjoys hiking, traveling, and reading. Her idea of relaxation includes reading an Amy Tan novel alongside her dog, Dixie.
Danielle strives to proactively communicate with her clients throughout the process, giving updates on each case every other business day. Her high-touch service approach allows the producers she serves to relax, knowing that Danielle is pushing the case forward and keeping them abreast of updates as they occur.
In her free time, Danielle enjoys hiking, traveling, and reading. Her idea of relaxation includes reading an Amy Tan novel alongside her dog, Dixie.
Emma Ulmer
Emma Ulmer had extensive experience in coordinating all aspects of even the most complex underwriting files. She arranges for the smoothest possible underwriting experience both for our customers and our vendors. Emma also oversees producer contracting and supervises countless special projects that require attention to detail.
Gayle Cooper, CLU
Advanced Case Analysis, Medical Underwriting Analysis, Creative Illustration Design
(562) 735-5141
gayle.cooper@cpsadvantage.com
(562) 735-5141
gayle.cooper@cpsadvantage.com
Gayle Cooper is an illustrations specialist with CPS Advantage. Her role on the team includes advanced case analysis, medical underwriting analysis, and illustration design. It is Gayle’s passion to design insurance solutions to better meet the needs and goals of her clients.
Beginning her career in the insurance industry in the 1990’s, Gayle understands how important client relationships are to producers. Throughout her career, she has developed a passion for helping producers create a positive experience for their clients. She works to create an efficient and thorough process that is designed to exceed their clients’ expectations and build their relationships. She has been with CPS Advantage since 2011.
Gayle loves her job, her coworkers, and her customers. She helps support the CPS Advantage team by providing HR, IT, and operations support. A mother of three sons, Gayle enjoys spending time with her family at their second home near Lake Havasu, where they are active in motor and water sports.
Beginning her career in the insurance industry in the 1990’s, Gayle understands how important client relationships are to producers. Throughout her career, she has developed a passion for helping producers create a positive experience for their clients. She works to create an efficient and thorough process that is designed to exceed their clients’ expectations and build their relationships. She has been with CPS Advantage since 2011.
Gayle loves her job, her coworkers, and her customers. She helps support the CPS Advantage team by providing HR, IT, and operations support. A mother of three sons, Gayle enjoys spending time with her family at their second home near Lake Havasu, where they are active in motor and water sports.
Katherine Grant
Katherine assists the New Business team with a variety of administrative tasks such as inputting and uploading applications and producer contracting materials.
Nicole Highwart
Center of Influence Initiative, Illustration Design, and Marketing Support
(562) 735-5154
nicole.highwart@cpsadvantage.com
(562) 735-5154
nicole.highwart@cpsadvantage.com
Nicole Highwart offers life insurance product and marketing support to producers, as well as serving as the primary coordintor for CPS Advantage's Center of Influence Marketing Initiative. She manages the vast library of producer COI marketing documents as well as providing market sampling comparisons, specific illustration design and pre-underwriting research support.
Nicole was recruited to the CPS Advantage team in 2013 after working in a restaurant, where executives noticed her extraordinary level of service and calm demeanor under pressure. She enjoys learning about new insurance products and looks forward to growing her role at CPS Advantage in the future.
An avid soccer player, Nicole has played competitively for years and also enjoys the outdoors and music. She holds a Biochemistry degree from CSU Long Beach and enjoys learning new disciplines.
Nicole was recruited to the CPS Advantage team in 2013 after working in a restaurant, where executives noticed her extraordinary level of service and calm demeanor under pressure. She enjoys learning about new insurance products and looks forward to growing her role at CPS Advantage in the future.
An avid soccer player, Nicole has played competitively for years and also enjoys the outdoors and music. She holds a Biochemistry degree from CSU Long Beach and enjoys learning new disciplines.
Stefan Bruckel
Tax-Optimized Business Succession Plans / Executive Benefits / Key-Person / Buy-Sell / COLI / SERPs / Golden Handcuffs
(562) 735-5143
stefan.bruckel@cpsadvantage.com
(562) 735-5143
stefan.bruckel@cpsadvantage.com
► Acquiring Top Talent
The success of your business depends on the expertise, reputation, and relationships of your partners, co-owners and/or key employees. We collaborate with you to attract, retain, and reward your industry’s top talent.
► Retirement Planning
As you approach retirement, we’ll deliver ideas you can use to maximize the value of your business and convert it into a secure, tax-efficient, lifetime retirement income.
► Business Succession Planning
Every successful company must eventually be transferred to successors. Our team of attorneys, accountants, and financial advisors collaborates with you to identify tax-optimized business succession strategies.
► Risk Mitigation
Even the best laid business plans are subject to unpredictable external influences. We’ll introduce you to cost-effective strategies that mitigate ownership and key employee risks that affect all businesses from time to time - an unexpected health event, disability, or worse. You, your employees, and your company will be well prepared to handle the curve balls life throws at all of us.
► Minimizing Estate Taxes
We’ll work with you on reducing and paying estate taxes in a highly tax-efficient manner. We can often design tax-liability funding structures for pennies on the dollar.
✔ Increased safe-dollar yield on tax-advantaged liquid assets
✔ Employee benefit program financing with cost recovery
✔ Tax-efficient funding of golden handcuff and deferred compensation programs
✔ Balance sheet enhancing key-person insurance
✔ P&L friendly funding of buy-sell agreements
✔ Deployment of tax-efficient retirement programs
✔ Improved credit-worthiness to lower the cost of third-party loans
Let’s collaborate and confirm your business plan aligns your current priorities with intelligent financial strategies that are cost-effective, tax-efficient, and structurally sound for the long term.
The success of your business depends on the expertise, reputation, and relationships of your partners, co-owners and/or key employees. We collaborate with you to attract, retain, and reward your industry’s top talent.
► Retirement Planning
As you approach retirement, we’ll deliver ideas you can use to maximize the value of your business and convert it into a secure, tax-efficient, lifetime retirement income.
► Business Succession Planning
Every successful company must eventually be transferred to successors. Our team of attorneys, accountants, and financial advisors collaborates with you to identify tax-optimized business succession strategies.
► Risk Mitigation
Even the best laid business plans are subject to unpredictable external influences. We’ll introduce you to cost-effective strategies that mitigate ownership and key employee risks that affect all businesses from time to time - an unexpected health event, disability, or worse. You, your employees, and your company will be well prepared to handle the curve balls life throws at all of us.
► Minimizing Estate Taxes
We’ll work with you on reducing and paying estate taxes in a highly tax-efficient manner. We can often design tax-liability funding structures for pennies on the dollar.
✔ Increased safe-dollar yield on tax-advantaged liquid assets
✔ Employee benefit program financing with cost recovery
✔ Tax-efficient funding of golden handcuff and deferred compensation programs
✔ Balance sheet enhancing key-person insurance
✔ P&L friendly funding of buy-sell agreements
✔ Deployment of tax-efficient retirement programs
✔ Improved credit-worthiness to lower the cost of third-party loans
Let’s collaborate and confirm your business plan aligns your current priorities with intelligent financial strategies that are cost-effective, tax-efficient, and structurally sound for the long term.
Teresa Riewerts, CLU, ChFC, CASL
Advanced Case Analysis, Medical Underwriting Analysis, Creative Case Design
(303) 227-0033
teresa.riewerts@cpsadvantage.com
(303) 227-0033
teresa.riewerts@cpsadvantage.com
Teresa Riewerts is an advanced case specialist, providing expertise in life settlements, premium financing, 1035 exchanges, as well as complex cases. It’s her passion to solve tought cases by finding better outcomes for her clients and fixing problematic or broken cases.
She helps producers simplify their communications and close cases. A veteran of the insurance industry, Teresa's expertise in complex case design, as well as her knack for finding alternative solutions where none would seem to exist, makes her an ideal partner when creative case solutions are required.
Teresa and her husband have lived in the Denver area for the past 10 years and recently moved back to Southern California with their 3 daughters. She loves living near the beach and spending time outdoors with the family. Teresa is a running enthusiast and enjoys traveling. She holds a Bachelor's Degree in Business Management from Brigham Young University.
She helps producers simplify their communications and close cases. A veteran of the insurance industry, Teresa's expertise in complex case design, as well as her knack for finding alternative solutions where none would seem to exist, makes her an ideal partner when creative case solutions are required.
Teresa and her husband have lived in the Denver area for the past 10 years and recently moved back to Southern California with their 3 daughters. She loves living near the beach and spending time outdoors with the family. Teresa is a running enthusiast and enjoys traveling. She holds a Bachelor's Degree in Business Management from Brigham Young University.
Tisha Ozuna
Medical Record Procurement, Licensing & Contracting, Commission Tracking
(562) 735-5144
tisha.ozuna@cpsadvantage.com
(562) 735-5144
tisha.ozuna@cpsadvantage.com
Tisha joined CPS Advantage in 2004. Her prior experience working with a medical records copy service prepared her well for her future roles at CPS Advantage. Tisha knows all the tricks of the trade and can often secure medical records within a few short days - sometimes within hours. Once cases are placed, she confirms cases are released for commissions ASAP, often facilitating case placement in time for our insurers' commission cycle cut offs. Tisha also support our advisors with various appointment and licensing requirements.
Tracy Cooper, ACS, FLMI
Operations Management, Large Personal & Business Case Negotiation
(562) 735-5142
tracy.cooper@cpsadvantage.com
(562) 735-5142
tracy.cooper@cpsadvantage.com
Tracy Cooper provides large case management and underwriting support to the producers she serves. She began her career with Northwestern Mutual in 1989 and and moved into the brokerage world in 1995.
Tracy uses a collaborative approach with her producers and clients and enjoys coordinating with underwriters to ensure the best possible outcome is achieved for each and every case. Tracy's experience with a wide variety of challenging financial and medical underwriting situations makes her an ideal partner in case management solutions - from individual personal insurance policies to large business- and trust-owned policies, and everything in between.
Tracy specializes in large case management and enjoys delivering favorable outcomes for challenging cases. Her work as liaison between the producer/client and the carrier - from medical record review to rate class negotiation - often results in better-than-expected solutions, creating invaluable good will for producers with bottom line clients and attorney/CPA COIs alike.
A member of CPS Insurance since 1995, Tracy enjoys cooking, the outdoors, and camping with her family.
Tracy uses a collaborative approach with her producers and clients and enjoys coordinating with underwriters to ensure the best possible outcome is achieved for each and every case. Tracy's experience with a wide variety of challenging financial and medical underwriting situations makes her an ideal partner in case management solutions - from individual personal insurance policies to large business- and trust-owned policies, and everything in between.
Tracy specializes in large case management and enjoys delivering favorable outcomes for challenging cases. Her work as liaison between the producer/client and the carrier - from medical record review to rate class negotiation - often results in better-than-expected solutions, creating invaluable good will for producers with bottom line clients and attorney/CPA COIs alike.
A member of CPS Insurance since 1995, Tracy enjoys cooking, the outdoors, and camping with her family.
Ty Jacobsen, CLU, ChFC, CASL
Advanced Case Analysis, Medical Underwriting Analysis, Illustration Design
(562) 735-5149
ty.jacobsen@cpsadvantage.com
(562) 735-5149
ty.jacobsen@cpsadvantage.com
Ty Jacobsen works as an insurance solution specialist, providing the right product solutions for clients' individual goals and circumstances. He works to overcome underwriting challenges and provides unique value with new products and ideas. His specialty is in understanding how new, advanced, or uncommon insurance tools work. He has been with CPS Advantage since 2007.
Ty collaborates with the producers he serves, coming up with appropriate products to best help their clients. He prepares illustration designs, advanced case analysis, medical underwriting analysis, and sales presentations. He enjoys explaining the intricacies of how specific policies are designed.
Through his extensive experience in the insurance industry, Ty has seen mistakes and poor product choices hurt policy owners and their families. It’s his goal to offer the best possible solutions to serve each policy owner both today and in the long-run.
A native of Wyoming, Ty enjoys all things outdoors, including hiking, golf, and spending time at the beach.
Ty collaborates with the producers he serves, coming up with appropriate products to best help their clients. He prepares illustration designs, advanced case analysis, medical underwriting analysis, and sales presentations. He enjoys explaining the intricacies of how specific policies are designed.
Through his extensive experience in the insurance industry, Ty has seen mistakes and poor product choices hurt policy owners and their families. It’s his goal to offer the best possible solutions to serve each policy owner both today and in the long-run.
A native of Wyoming, Ty enjoys all things outdoors, including hiking, golf, and spending time at the beach.