Aaron jumped into the insurance industry after graduating from Colorado State University and has been with RSS ever since. He is licensed in 16 states in property, casualty, health, life and surplus lines. He loves learning about new people and new businesses and has made it his passion to help our customers make sure they are properly protecting what’s most important to them. Aaron enjoys woodworking, camping, hiking, motorcycles, traveling, reading and spending time with his family.
CFO & Owner
Sara joined the insurance industry after graduating from Colorado State University with a degree in Business Marketing. She’s been married to her husband, Aaron, since 1995, and keeps busy raising their three daughters when not at the office. Sara enjoys cooking, doing anything crafty, decorating, reading, traveling, exercising, entertaining, and spending time with Aaron and their girls at their home in Broomfield.
Ernie purchased RSS in 1995 from the original owner Ron Richards and strengthened and continued to build our agency through our key values of experience, integrity and honesty. In January 2015, Ernie transferred ownership of the business to his daughter and son-in-law so he could spend more time doing what he loves most- traveling with his wife of 48 years, Terry. Ernie has lived in Colorado since 1985, and has a degree in business from Black Hills State University. He loves restoring antique furniture when not traveling, advising at RSS, and spending time with his five grandchildren.
Greg is a true Coloradan having been born and raised in Arvada, Colorado. Greg graduated from the University of Colorado in 1993 with a degree in engineering. Greg continues to live in Arvada where he is raising his two sons, Ethan and Adam. Greg loves being involved with the sports in which his boys participate and is an active golfer and tennis player himself. Greg feels strongly about caring for his family and his customers. He says, “My honor and integrity are very important to me. It’s not only my goal to find the best price and coverage for my customers, but to help them understand what they are purchasing and why it’s important.”
Katy is a Colorado native who became an agent at RSS in early 2012. She graduated from Covenant Bible College and earned a certificate in Biblical Studies. She proudly holds a license in Property, Casualty, Life and Health insurance. She has two young children named Zach and Kyleigh and loves spending all of her extra time with them. Katy loves playing board games with friends and family. She is also passionate about learning new things and has a passion for being outside and enjoying the Colorado mountains.
Personal Customer Service/Account Manager
Jessica joined RSS as a customer service support team member July of 2017 and became licensed in Property/Casualty insurance shortly thereafter. She comes from a large family (she’s one of seven kids) and is a Colorado native. She can read and speak sign language, as both of her parents are deaf. Jessica has been married for two years to her husband, Darian, who works in construction. Jessica took classes for a year in Business Administration and enjoys traveling, hiking, baking, knitting, and trying new foods. She loves watching “The Office” and “Parks and Recreation,” and of course the Broncos games with her dad. Jessica says the most important things to her are her faith, spending time with her husband and family, and being active in her church. We are very excited to have her as part of our team and we hope you get a chance to meet her!
Commercial Customer Service/Account Manager
January marked Dena’s 28th year with RSS! She is a licensed Property and Casualty CSR for our business clients. She has been married to her husband Charlie for 31 years and they have one daughter, Brittany, who is a Social Studies teacher in Jefferson County. Dena is also a dog lover, with two of her own named Snickers and Harley. Dena loves the Denver Broncos and Colorado Rockies, and enjoys bowling, long walks and time with her family. Dena says that RSS is like her second home and family, and her goal is to retire from RSS Insurance Services.
Stephanie is a fourth generation Coloradan who joined our staff in June of 2014. She is a licensed Property, Casualty, and Life agent and loves getting to know her customers! She is passionate about animals and has three adopted dogs and two cats. In her spare time Stephanie enjoys cooking, baking, and grilling…most nights of the week you can find her cooking something tasty in her kitchen! Above all, Stephanie says she enjoys spending quality time with her family and friends.
Destiny joined the RSS team as a Personal Lines Account Manager in April 2021. She is originally from Oklahoma and has been in the insurance industry for almost 7 years. When asked what she likes most about the insurance industry Destiny said, “I enjoy problem solving for my clients as well as taking a collaborative approach with my teammates. I strive to become a subject matter expert who can help my clients understand their risks and properly protect them.”
Destiny has been married to her husband, Logan, for nine years. Logan is on active duty in the Army, and Colorado is Destiny and Logan’s fourth “home.” Destiny and Logan are always excited to see new places as they are both from very rural areas. Together they have 3 dogs, Bella, Mollie & Harley.
Since moving to Colorado in 2018, Destiny says she has tried to take advantage of the outdoors and go on hikes as much as possible. She loves getting out on the weekends and trying new local food spots, and she has enjoyed the variety of people she has met while out and about in Colorado. When asked what is important to her Destiny said, “Relationships are a priority in my life. Whether personal or professional, I am a firm believer in nurturing relationships to allow them to grow and be long lasting.”
Personal Lines Account Manager
Colleen joined the RSS team in March of 2019 after moving to Colorado from her home state of Illinois. Colleen came to RSS with two years of experience in the insurance industry under her belt. Colleen has a degree in Broadcast Communication with a minor in Marketing from Western Illinois University. In her spare time Colleen enjoys being outdoors, reading, playing card games and watching movies. Colleen is an avid St. Louis Cardinals and Chicago Bears fan (sorry Colorado sports fans) and is passionate about the environment, forming meaningful relationships and of course, dogs! When asked what is important to her Colleen said, "Faith, family, friendship and always doing the right thing, even if it's difficult."
Julia is a Colorado native who joined the RSS team in 2020 as an Office Administrator. Julia is excited to explore the insurance industry and is ready to learn and grow as an insurance professional at RSS.
RSS welcomed Rena and her wealth of health insurance industry knowledge to our agency in June of 2016. Rena has worked in the health benefits industry for over 14 years and is licensed not only health and life, but also in property and casualty insurance as well. She is a Colorado native, grew up in Denver and has a 12-year old daughter named Shelby. Rena loves the outdoors and staying active. She enjoys hunting, fishing, camping, backpacking, snowboarding, biking, working out, swimming and boating. She loves spending her time with family and also enjoys watching sports. She says she is passionate about everything she sets her mind to and loves to try and experience new things, and always gives it her all.
Darin joined the RSS team in October of 2019 as an Insurance Advisor. Darin is a Colorado native and grew up in Arvada. He has been married to his wife, Jill, for 20-years. Together they have four children, Jesse, Jasmine, Ashley and Trevor. When out of the office, Darin enjoys fly fishing, watching the Broncos and spending time with his family. Darin came to RSS with a plethora of experience, specifically within the construction industry. Prior to coming to RSS, he worked as a Risk Management Specialist with 2-10 H.B.W. Darin’s wealth of knowledge and background easily translate over to the insurance industry as his past work experience required him to obtain his Property and Casualty insurance license. Darin is passionate about helping individuals and businesses in our community excel. It is this passion that brought him to RSS.
Kelsey is originally from Cedar Rapids, Iowa, but she has been in the Denver Metro area for 16 years now. She went to middle school at St. Louis Catholic school in Louisville and attended high school at Holy Family in Broomfield. After high school, Kelsey attended Metropolitan State University of Denver where she completed her Bachelor’s degree in Biology and minor in Environmental Science. Kelsey is married to her husband, Cannan, and together they have a German shepherd named Zeus and a tabby cat named Darwin. Both Kelsey and her husband come from large families. She has four siblings and he has four siblings. They are both very close to their families and are very lucky they are able to see them often. In her spare time, Kelsey loves baseball and the Rockies. She goes to opening day every year as well as about 25 games a season. Kelsey and her husband hike a lot, and they like to hike 14ers. Kelsey says she “enjoys anything that is involved with being in the mountains.” She also enjoys reading, visiting wineries and playing board games with her husband. Kelsey is passionate about new experiences. Anytime she can travel and see new things, she jumps at the opportunity. In fact, Kelsey was able to go to Thailand after college for two months and volunteer with elephants and backpack around Thailand (UM, COOL!). When asked what is important to her, Kelsey said, “Making the best of every moment that I can. I truly value my time with family,
Community Relations Manager
Jenna joined the RSS team February 2018 as Community Relations Manager. Jenna has a super friendly personality and loves helping others and meeting people. She truly enjoys new experiences and new challenges. She recently moved to Colorado from Illinois with her fiancé, Jim. She attended Eastern Illinois University and graduated with a bachelor’s degree in Communication Studies. Jenna enjoys hiking, skiing, traveling, and being outdoors. She says, “My family and friends mean everything to me and I wouldn’t be where I am without them.”
Personal Lines Account Manager
Dani joined the RSS team in May of 2019 as a Personal Lines Account Manager. Dani is a mom to two beautiful daughters, Sydney and Tilly Jean and is a competitive power-lifter. When Dani isn't running her two kiddos around or power-lifting, she enjoys teaching horseback riding to people with special needs, spending time with her boyfriend, Justin, coaching softball and ANYTHING outdoors. Dani is passionate about working with today's youth and hopes to start more programs or after-school activities that encourage kids to get involved in power-lifting or fitness. When asked about what is most important to her Dani said, "My family, my faith and doing all I can while on this earth to help others, build friendships and leave a positive impact in any way possible."
Employee Benefits Advisor
RSS welcomed Angela to our insurance team in June of 2015. She has been working in the health insurance industry for over 22 years and holds a health and life insurance license. She loves meeting new people and prides herself on the relationships she builds with her clients. Angela lives in Thornton with her husband and best friend René. She has one beautiful daughter named Jennaé and a four-legged child named Preston. Angela is a huge Broncos fan and loves spending time with her family, being crafty and creative with her daughter, decorating and spending lots of time outdoors in our beautiful state. She says her goal is to continue to grow and prosper as a businesswoman and educate her clients in every way possible in this ever-changing world of healthcare reform, but to also enjoy and cherish each moment in life with her family.
Employee Benefits Account Manager
Cindy assists our health insurance clients as a Group Benefits Account Manager. Cindy has an extensive background in the health insurance industry and is a fantastic asset to our group health insurance clients. Cindy says she is passionate about helping her clients and always tries to go above and beyond to help businesses with their health insurance needs. Cindy currently resides in Georgia with her husband of 36 years. Together they have two sons and a wonderful daughter-in-law. In her spare time, Cindy and her family love to scuba dive, hit the beach and travel to new places. Cindy also enjoys mentoring new moms and helping them navigate the crazy world of motherhood in her spare time. When asked what is important to her Cindy says, “My faith, my family, and wanting to do whatever I do with excellence.”
Michelle joined the RSS team in May of 2016 as our in-house health insurance specialist and advisor for Group and Medicare plans. She has 22 years of experience in the health insurance industry. Michelle is a Colorado native and grew up in Westminster near Standley Lake. She still currently resides in Westminster where she is raising her son, Gavin with her husband, Rex. When not assisting and advising clients about the ever-changing health insurance system, she loves spending time with her family and friends and enjoys cooking/baking, yard work, photography, and walking her family’s dog “Goose.” And of course, she’s a BRONCOS fan!! When asked what’s most important to her she says, “God, family and friends.” Michelle really cares about people and wants to make a difference in their lives.
Employee Benefits Advisor
Genisi joined the RSS team in June of 2020 as an Employee Benefits Advisor. Genisi grew up in both Thornton and Northglenn, Colorado. She is a 5th generation native of our great state! Genisi graduated from Northglenn High school and has attended both Regis and Metro University. She currently attends Metro University, working on finishing her Bachelor and Masters degree. Genisi is currently studying accounting to round out her understanding of business. Genisi is happily married to an amazing man, Dave. She has one 22 year old son, Justin, who is a very talented artist. She has a 30lb Maine coon cat named Filo, and 2 dogs, Hagar and Dakota. Also, her dad Dale is her best friend. Genisi says she “has so many interests she can’t keep up with them all,” so she dabbles in a bit of everything. She sings in a classic rock band that hardly ever has gigs…they just like to play together. 😉 She also loves going to the movies, reading, watching TV, kayaking, going to sporting events when she can and walking with her dad. Genisi loves to try new things. She just recently left the country for the first time, and on top of everything else she is currently pursuing, she is beginning to look into backpacking and she has also started taking golf lessons! Genisi’s community oriented mindset perfectly aligns with the overall mindset of our team. In the additional spare time that she has (how does she even have any?!) she enjoys helping others. She says, “I want to help where I can. I want to offer time, expertise, experience, or whatever else is needed. I enjoy volunteering, taking food to friends in hard times, and explaining complex things that I happen to understand, in a simple, easy to grasp manner. I love to make someone feel comfortable with something that previously made them nervous or apprehensive.” When asked what was important to her Genisi said, “My family, ethics and spirituality, equality and acceptance of each other, relationships with good people, and continued growth in my own life.”
Commercial Certificate Manager
Jenny joined the RSS team in May of 2019. She is a Colorado native and grew up in Wheat Ridge. Jenny comes from a small family and loves spending time with her parents and grandma. Jenny loves to learn new things, especially when it comes to DIY projects around her house. She knows how to install flooring, put up drywall, fix the plumbing and remodel bathrooms. When Jenny's not working on a project around her house, she enjoys spending time in the mountains or outside with her pup, Anna. When asked about what she is passionate about Jenny said, "I am passionate about being the best version of myself everyday and helping people. I enjoy making someone smile and being that rainbow in their cloudy day."
Elizabeth joined the RSS team in November 2021. Elizabeth grew up in Wichita, Kansas and studied at Kansas State University where she graduated with a bachelor’s degree in Psychology. Elizabeth moved to Colorado in 2017 with her partner, Kenneth. They married in 2019 and have two pets together, Ava and Samson. Kenneth has a bachelor’s in technical theater and enjoys a fruitful career as a set carpenter at the Arvada Center of the Performing Arts. When asked about her interests Elizabeth said, “I am a huge nerd! My husband and I met in debate class in high school, and we bonded over Pokémon games after band practice. These days I enjoy spending my time working on crochet projects, watching Star Trek, and playing PC games online with friends. We also enjoy hiking and camping trips during the summer months.” While Elizabeth cheers for mostly for Kansas based sports teams, she does support the Colorado Rockies as her MLB team. Elizabeth believes it is important that she’s continuously improving herself for the betterment of her family, community, and society as a whole. She believes it’s important to be the examples of change we want to see. Elizabeth says to our clients, “I’m very excited to join the RSS team! We are going to work together to provide great service to you and our community.”
Blaine joined the RSS team in July of 2020. Blaine has 11 years of experience within the insurance industry. He is a Colorado native and grew up in the Westminster/Thornton area. We went to Jefferson academy for high school and then went on to attend Colorado State and obtain a degree in finance. Blaine met his wife in high school and they now have two kids, Breck who is three year old and Tess who is 6-months old. They also have a golden retriever named Peyton. In Blaine's spare time he enjoys all things sports as well as spending time with his family. Blaine loves to stay active and is an avid golfer. When asked what was important to him Blaine said, "My family and my church as well as humility and accountability in all facets of life."
Commercial Account Manager
Kristen joined the RSS team in February of 2020. Kristen has several years of experience within the insurance industry. She will be focused on assisting our agents in quoting new business accounts and obtaining the best possible customized insurance programs for our incoming business clients. Kristen’s role is new to RSS and will allow our current account managers more time to care for our current clients and review their ongoing insurance needs. At RSS we always strive to provide the best experience for our customers, and Kristen’s role will help do just that. Kristen grew up in the bay area of California where she went to school at St. Mary’s in Moraga, California. She and her husband have lived in the Metro Denver for a while now and absolutely love the great state of Colorado. Kristen loves dogs and enjoys traveling, exploring new places, camping and bike riding in her spare time. When asked what was important to her Kristen said, “work ethic and personal integrity.”
Upcoming Ballot Initiative Bad for the Workers Compensation System and Injured Workers
Our state will be entering “election season” this summer, which means our team will be keeping an eye on the upcoming ballot initiative regarding Workers Compensation Insurance and injured workers. Typically our agency does not discuss or promote politics, however we’ve decided with this particular amendment it’s important for us to educate our clients. Amendment 69 is a very dangerous and destructive Amendment to our state Constitution and will be on the ballot this fall. If passed, it will create very devastating consequences to our state and its citizens. We will be continuing to post articles in the coming months regarding information about this ballot issue because it will effect Colorado in numerous and different ways and we’d like to discuss these individually.
This month we’d like to explain how Amendment 69 will be bad for businesses and their employees through the worker’s compensation system. (For more information about a general understanding of the amendment, read our prior article, “Understanding Amendment 69, ColoradoCare.”) ColoradoCare would amend the state constitution to replace Medicaid and all private insurance with a single-payer health care system in Colorado. But it will also decimate Colorado’s workers’ compensation system by requiring that the health care portion of worker’s comp be paid through ColoradoCare. That will be bad for both Colorado business and their employees.
Amendment 69 will gut the workers’ compensation system and all insurance carriers providing workers’ compensation insurance in our state. Under current law, workers’ comp insurance covers the health care needs of injured workers and replaces their lost wages for as long as they are out of work, even if they are permanently disabled. Because Amendment 69 will put the health care portion of workers’ comp into the ColoradoCare system, workers’ comp insurers will be left with only the wage replacement (indemnity) portion. Carriers that are able to do so-i.e. , all but Pinnacol (our state program)- will likely leave the state: an indemnity-only business where there is no ability to manage costs is not a recipe for success. That could leave Pinnacol as the sole insurer of indemnity costs – a risky position that could then leave the only workers’ compensation provider in our state on a road to disaster and insolvency.
Amendment 69 will cost Colorado businesses money and productivity. Amendment 69’s backers claim that shifting the health care portion of workers’ comp to ColoradoCare will reduce employers’ comp costs by 59%. Of course, those costs aren’t going away, they are simply being shifted. And any work comp savings would be eroded quickly by a loss of worker productivity and an increase in lost wage costs. ColoradoCare won’t have mechanisms in place to do all the things current insurance carriers do: work with employers to keep workers safe and minimize the potential for injury, and work with providers to help injured workers get back to work in a timely and safe way. As a result, workers may be away from their jobs longer, and wage replacement costs for employers will increase.
Amendment 69 won’t serve the needs of injured workers. In the current workers’ compensation system, when someone gets hurt on the job, they are treated by specially accredited providers who use medical treatment guidelines specifically developed to diagnose and improve an injured worker’s level of function. But ColoradoCare doesn’t provide for this specialized approach to caring for injured workers. That’s a disservice to anyone hurt on the job. In addition, workers’ comp covers incidental expenses such as transportation to/from doctor appointments for injured workers. It is not likely that ColoradoCare will do that.
The adverse impact on the workers’ compensation system and injured employees from Amendment 69 cannot be overestimated. In the coming months we will provide you with information regarding the effects this amendment could have on other areas of our state, such as health care, small business, taxes and our economy as a whole. In the meantime, if you are interested, please go to ColoradansforColoradans.com for more information.