Michael is the President of Titan Insurance and Employee Benefits Agency, LLC, which he founded in 2006. In December 2012, Titan joined U.S. Employee Benefits Services Group, a division of U.S. Retirement Partners, which greatly expands the firm’s capabilities and markets within the employee benefit industry.

Michael leads the team of Benefits Consultants and brings nearly 30 years’ experience in the health care and insurance industries. His expertise and energy drives innovation within the Consulting Team, resulting in strategic partnerships and proactive approaches to business challenges.

He has been recognized professionally for his accomplishments and is a strong community partner as well, serving as a Board Member of the Small Business Council of Rochester, an affiliate of the Rochester Business Alliance, and the Rochester Broadway Theatre League Board of Directors.

Eric is a Managing Director of USEBSG and the Executive Vice President of Titan, with decades of experience in the health care industry grounded in solid management experience that provides our firm with strategic and analytical direction. Ongoing research and professional development ensures the team engages premier products and strategies that differentiate USEBSG in the marketplace with a comprehensive focus on health care reform consulting and compliance with the Affordable Care Act.

He provides leadership for the sales team and maintains broker relationships in the middle market for group insurance products, in addition to the expand-ing public school district markets across the state. His expertise extends to areas of client counseling, financial modeling, integration of service offerings and new business. Specific experience on the carrier side with various funding arrangements facilitates Eric’s ability to structure integrated product and process recommendations for clients ensuring ease of administration and management. Eric provides strategic guidance relative to benefit design, and constant improvement to the firm’s process and professional growth.

Eric graduated from St. John Fisher College with a Bachelor of Science degree in Business with a Concentration in Finance. He is licensed NYS Life, Accident and Health.

Ben has an extensive background in the employee benefits industry, amassing over a decade of knowledge within the field. His proficiencies center around creating employer-based solutions that offer his clients best practices in plan design.

His knowledgeable consultative approach is matched by his energy and desire to not only grow his business and client base, but also deliver outstanding guidance throughout the benefit design and administration process. Ben is responsible for growing and retaining clients throughout various business markets within the corporate environment as well as not-for-profit organiza-tions, and has managed employer groups from 20 to 500 participants in over 9 states.

Ben has a bachelor’s degree in International Business from SUNY Brockport, is licensed New York State Life, Accident and Health, and is also certified on the NYS Health Exchange. He has received professional recognition and awards for Sales and Retention from Paychex Insurance Agency and he is involved as Co-Chair of membership on the board of NAHU.

Michael is a management professional with over two decades of financial experience. His background extends over multiple disciplines including school district finance and health and benefits insurance consulting.

Michael is a results based proven leader who has demonstrated mastery over the course of his career. Consistent attention to strategic planning from prospecting to enrollment, Michael has devised operational improvements to synergize and capture best practices.

He has volunteered in an advocacy role for the residents and business owners of Carle Place and served on the Audit Committee of Carle Place UFSD.

Michael is a Certified School Business Leader through Stony Brook University. He holds a Master of Business Administration and Marketing from Hofstra University and a Bachelor of Arts degree in Political Science from Villanova.

Chris brings a significant resume of banking experience as well as sales expertise to his position both as an associate and banking officer.

He will be responsible for an expanding client base that extends downstate and throughout a diverse client base, including public and private sectors. Chris will consult and foster business relationships that expand business opportunities across the state from public to corporate entities.

Chris is licensed Life, Accident and Health and graduated from Elmira College with a Bachelor of Science degree with a concentration in Business Management. He is active with the Rochester Young Professionals business organization.

Rob Ruotolo joined USEBSG’s Rochester, NY, office in June 2020 as a Sales Director. He has extensive experience in the employee benefits industry, amassing over a decade working as Vice President and Partner for global insurance brokers such as Lockton and Willis Towers Watson in their New York locations.  His extensive experience extends to areas of client strategic analysis, financial modeling, population health, data analytics, and worksite solutions for employers.

Rob is responsible for growing and retaining clients in the K-12 and public sector markets in the Downstate New York region.

He received a Bachelor of Arts Degree in Political Science from Miami University of Ohio and a master’s degree in Business Administration from Fordham University, and holds New York State Life Health Accident and Property Casualty insurance licenses.

Jeremy oversees the management and administration of the USEBSG Roches-ter team. He is responsible for improving efficiencies in the HR Technology area by providing better tools, training, and improved processes to manage the client experience and the ability of the team to deliver on best practice expectations. He also manages the workload of the firm and its operational performance.

On the client side, Jeremy is responsible for maintaining and managing client relationships, leveraging his expertise to consult and advise clients on alterna-tive benefit offerings to better position them for the future.

Jeremy graduated from SUNY Brockport with a Bachelor of Science in Education. He is NYS licensed Life, Accident and Health.

Ed incorporates his diversified skills into a best practice model at USEBSG, bringing a data-driven perspective to health plan management. His experience extends to health care reform consulting and, through an analytical approach, he advises clients on workforce planning and management. His extensive expertise with the Affordable Care Act (ACA) aids his ability to help clients ensure compliance. Ed provides analytics respective to the ACA including Pay-or-Play calculations, affordable cost review, and assists with establishing stability and measurement periods. He also helps deliver strategic analysis of benefit designs, carriers, and employer contributions.

The actuarial experience he has developed enables him to identify trends in clients’ data and work with them to develop solutions that best suit their unique needs. He negotiates rates and benefit arrangements with carriers based on an actuarial approach with the goal of ultimately providing the best cost-benefit scenario for the firm’s clients.

Ed earned his MBA from Rochester Institute of Technology with a concentration in Environmentally Sustainable Management, and his BS from Nazareth College, where he majored in Accounting with minors in Marketing and Inter-national Business.

Sharon’s role encompasses the vast array of skills necessary to navigate Health Care Reform, compliance, and technology needs for our clients in all markets. She oversees all compliance-related activities, including changes due to Health Care Reform, Department of Labor notices to employees, CMS notices to employees, and all required Health and Welfare SPD and Wrap Plan Documents. Sharon manages the client experience with our on-line tools – Client Resource Center, Compliance Dashboard, and InRoll, in addition to assisting clients with adherence to mandates and guidelines in accordance with regulations required by law.

She guides clients through the implementation of technological applications and designs solutions to streamline processes. She regularly shares her exper-tise in health care reform compliance efforts with audiences across the state, ensuring best practice implementation for the firm’s expanding client base.

Sharon graduated with a Bachelor’s of Arts and Sciences in Liberal Arts and Communication from SUNY Oswego. She is NYS licensed in Life, Accident and Health.

Rayanna works with the Compliance Team in several capacities. She assists clients with the data work necessary to meet the requirements of the Affordable Care Act, including production of 1095Cs. She manages the on-boarding process through the ACA tracking system ensuring data accuracy. She also manages the administrative tasks associated with several different benefit administration systems, responds to client inquiries, generates necessary reports and assists in the ongoing renewal and maintenance processes involved. Her background in technology and data management enables her to assist in an organized and efficient manner.

Rayanna received her Bachelor of Arts degree from the University of Tampa.

Tony’s responsibilities range from all aspects of compliance work, such as Wrap Document preparation, Summary Material Modification distribution, and 5500 Filings, to the implementation and maintenance of various technology and benefit administration systems, including bSwift, Worxtime and InRoll.  He has extensive experience and knowledge around the Affordable Care Act, and ensures client groups of all sizes meet mandated requirements.

He has a comprehensive background in the finance industry, and related customer and client service industries with an emphasis on achieving and maintaining complete client satisfaction.

Kim has extensive responsibilities as an Account Manager. She has a high level of experience within the employee benefits industry encompassing group and voluntary plans, as well as self-funded and fully insured medical, dental and vision plans.

Her dedicated client account management and advocacy efforts strive to improve coverage knowledge, providing assistance and expertise to facilitate client satisfaction.

Continuous educational efforts to assist client groups in benefit plan management results in increased understanding and improved utilization of the their benefit plans. Kim’s strong benefit administration management and knowledge drives results in process improvements.

Kim graduated from SUNY Brockport with a Bachelor’s of Science degree in Communications with a concentration in Interpersonal and Organizational Communications. She is licensed Life, Accident and Health

Kristen’s responsibilities as an Account Manager extend to all aspects of account management from Open Enrollment to group benefit plan renewal. She manages client proposals, presentations and all marketing and enrollment processes.

Kristen has a diverse and substantial background in benefits and administration platforms, as well as HR policies and procedures resulting in superior account management for her client groups.  Her vast benefit knowledge extends from compliance and regulatory requirements to implementation of plan designs that create options for diversified offerings.  Her expertise in key areas is a solid foundation to deliver excellent service to all of her client groups.

Kristen graduated from St. John Fisher College with a Bachelor’s of Science in Business Management and a Concentration in Human Resources.  She is licensed Life, Accident and Health.

Ryan’s experience has been as a key account manager exclusively. His understanding of client need and circumstance enables him to advocate in a way that engages and educates. By asserting his knowledge, he is able to anticipate strategies and implement, securing positive outcomes for clients.

His ability to be proactive has secured significant benefit to the firm’s key groups, and positions him to negotiate for premier rates resulting in significant savings.

Ryan manages and maintains exceptional relationships on the carrier side and delivers results.

Ryan is licensed Life, Accident and Health and is a graduate of St. John Fisher College.

Katy is an Account Manager with concentrations in both the public sector and corporate account market segments. She has amassed a depth of knowledge from her experience with insurance agencies and major market carriers. She recommends, presents and services optimum benefit options through her marketing analysis and expertise for her account groups.

Katy has earned her GBDS designation distinguishing her ability to engage school districts about the entire group benefits product portfolio, specifically the importance of disability income insurance.

As an important component to financial security, she is able to demonstrate to clients the critical importance of disability insurance for their employees and themselves.

She graduated from the University of Buffalo with a Bachelor of Science degree in Business Administration and a concentration in Human Resource Management.

Paul brings extensive experience in the employee benefits field and manages the administrative workload on both client and carrier side of workflow processes, including resolution of client inquiries to provide efficiency in support and excellence in service. He implements any changes to client coverage, including COBRA administration, ensuring knowledgeable support to a varied client base.

Paul graduated with a Bachelor of Science in Finance degree from New Paltz and is trained with NYS Shop and Individual Exchange, in addition to his NYS Life, Accident and Health license.

Sandra enhances client experiences by consistently implementing process improvements in a dynamic industry to exceed client expectations, utilizing technology and constantly evolving best practice solutions. In addition to client management and the service, enrollment and renewal of accounts, her expertise in the small business department provides clients with immediate and knowledgeable support.

Sandra’s background includes experience on the carrier side and in computer technology. She also has extensive experience in business administration and processes. Sandra is licensed NYS Life, Accident & Health.

Tara’s extensive service background encompasses every aspect necessary to support clients, and support the team’s work. From overseeing enrollments, and renewal of benefit plans to assisting with claims issues, she facilitates carrier follow-up and issue resolution as needed. She is attentive to each client’s individual needs to deliver an exceptional service experience.

Tara’s background in both healthcare and finance provides a wide perspective of experience from which to complement her skill set. Tara graduated from Roberts Wesleyan College with a Bachelor of Science Degree in Health Administration and is NYS Licensed Life, Accident, and Health.

Michael has significant experience within the employee benefits arena and specializes in large group accounts. His background enables him to provide solutions grounded in critical product knowledge and experience to ensure seamless customer service. Strong relationship management on the carrier side facilitates his capacity to deliver an exceptional customer experience.

This foundation enables Michael to implement the processes and procedures necessary to align with the quality of service the firm delivers.

Michael is licensed Life, Accident and Health and is a graduate of Monroe Community College.

Amalia works in tandem with the sales team to enhance their ability to meet their objectives. She manages their appointment and pipeline schedules encouraging their performance. She also works with data and activity tracking tools to leverage the team’s ability to create and pursue opportunity.

Her background and knowledge around data management enables her to assist in a motivational and organized manner to support the team.

Amalia is licensed Life, Accident and Health and is a graduate of Monroe Community College.

Tammy is responsible for public relations, special and corporate events, client communications, the company website, social media, and serves as community and media relations point of contact. She is also responsible for operational and administrative support of the team.

Tammy is a member of the Rochester Advisory Board for Make-A-Wish Foundation. She graduated from Nazareth College with a Bachelor of Arts Degree in Communication and Rhetoric.