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Our Team

Monty Dise
President & Owner of Asset Protection Group, Inc (AP Group)

804.423.7700 ext. 309 / This email address is being protected from spambots. You need JavaScript enabled to view it.

Monty graduated from the University of Georgia in 1989. After graduating, he became one of the founders of Virginia Financial Associates, Inc. (VFA), and later created Asset Protection Group (AP Group) as a subsidiary of VFA in 1995. AP Group became a separate entity in 2002, and Monty became the sole owner. In the course of his career, Monty has served as the President of the Independent Insurance Agents of Richmond (IIAR), served on the board of the Independent Insurance Agents of Virginia (IIAV) for profit arm known as the “Virginia Financial Services Corporation”. Monty is currently Chairman of the Board of IIAV, Virginia’s oldest and largest association of insurance agents. He also served on the board of Governor Kaine’s Access to Healthcare Committee. In August of 2010, Monty was honored to be personally chosen as one of 24 Virginian leaders on Governor McDonnell’s Virginia Health Reform Initiative Advisory Council, along with chairing multiple sub-committees. He considers himself privileged to take part in advancing the VHRI vision that “Virginia should aspire to have the healthiest individuals, the healthiest communities, the best health care system and the strongest economy in the nation”. In 2011, Monty was awarded the Golden Eagle Insurance Agent of the Year award by the IIAV. Monty currently sits on the Agent Advisory council for both Fortress Insurance Company and Anthem Blue Cross and Blue Shield. In July of 2016, Monty was appointed as Director-at-large of the Virginia Association of Health Underwriters. In August 2016, Monty was appointed as a member of the UnitedHealthcare’s Small Business Consultant Advisory Council. Monty is a lifelong Richmond native and in his free time enjoys being active, playing guitar, racquet sports, cards, and spending time with his family and friends.

Jennifer Hartman, AAI
Vice President & Executive Property & Liability Account Manager

804.423.7700 ext. 305 / This email address is being protected from spambots. You need JavaScript enabled to view it.

Jennifer began her insurance career 15 years ago when she joined the field office for a national malpractice insurance carrier. She graduated Cum Laude from Averett University with a Bachelor in Business Administration degree. She has been working at Asset Protection Group since 2003 and holds the designation of Accredited Advisor in Insurance. She is licensed for both Property & Casualty and Life & Health. She is married and has three children and a dog. In her free time, she enjoys watching her children’s various sporting activities, reading, and shopping for shoes.

Amy Murphy, AIAM, ACSR
Executive Property & Liability Account Manager

804.423.7700, ext. 302 / This email address is being protected from spambots. You need JavaScript enabled to view it.

Amy Murphy is proud to be an Executive Property & Liability Account Manager at AP Group. Amy brings to us 30+ years of insurance experience specializing in property & casualty insurance along with long term care insurance. She obtained her Property & Casualty Insurance License in 1986 and obtained her Life & Health License in 1998. Amy has been an Account Manager selling and servicing personal and commercial insurance policies in the independent insurance agency industry. Amy obtained her Long Term Care Insurance Certification in 2001 after personal experiences confirming the need for long term care insurance. Amy’s knowledge, skills and empathetic nature allow her to provide outstanding customer service. Amy is a very positive person and brings out the best in everyone she associates with. Amy enjoys spending time with her daughter shopping, cooking and exploring outside events throughout the area. Amy also enjoys live music and traveling around the country to see a certain blues guitarist.

Teresa Houtz
Assistant Property & Liability Account Manager

804.423.7700 ext. 303 / This email address is being protected from spambots. You need JavaScript enabled to view it.

Teresa graduated from Radford University and shortly after began a 17 year career in the insurance field. Holding several sales positions within the organization allowed Teresa to gain a well-rounded insurance background. From there, Teresa spent 15+ years with a local financial institution as its Chief Lending Officer. Teresa is a proud native of Richmond. She has one grown daughter and enjoys live music, college sports, spending time outdoors and traveling.

Katie Trimble
Executive Life & Health Account Manager

804.423.7700 ext. 308 / This email address is being protected from spambots. You need JavaScript enabled to view it.

Katie holds a Virginia Life & Health Insurance license, as well as a North Carolina non-resident license. She has been with Asset Protection Group since graduating from Midlothian High School in 2008, starting as the Front Desk Receptionist. In 2010, she received her license in Life & Health Insurance, and now assists in managing Group and Individual Health, Life, and Disability insurance accounts. In her free time, she enjoys taking pictures, spending time with her family, and going on walks with her Dachshund.

Kim Trimble
Finance and Life & Health Account Manager

804.423.7700, ext. 310 / This email address is being protected from spambots. You need JavaScript enabled to view it.

Before coming to AP Group, Kim worked at the Virginia State Corporation Commission (SCC). She began her career at the SCC, as an intern while attending Virginia Commonwealth University, and upon completing her education was offered a staff accountant/auditor position in the Division of Accounting and Finance. Over the next several years, she was promoted to Senior Auditor and then again promoted to the position of Audit Supervisor for all of the Telecommunication Utilities in Virginia. Kim is a native of Richmond. She is married and has two daughters and one stepson. She also has two granddaughters, one grandson and two granddogs. In her spare time, Kim enjoys volunteering at her church, playing with her grandchildren, traveling, reading and singing.

Cassie Harding
Assistant Life & Health Account Manager

804.423.7700 ext. 304 / This email address is being protected from spambots. You need JavaScript enabled to view it.

Cassie is a graduate of ECPI University with an Associate in Business Administration Degree. She has a strong background in customer service and prior to working at AP Group Cassie worked for the State of Virginia. Cassie is a native of Richmond but loves spending time with family in North Carolina. She is a mother of one beautiful boy and she enjoys reading, shopping, and spending time with family.

RueAnn Emerson, CLF
Voluntary Benefits Consultant

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RueAnn Emerson, CLF, has worked in the Worksite Benefit arena for over 17 years. She specializes in forming true partnerships with business owners to develop a strategy to design and deliver a robust and effective benefit program aligning volunteer benefits with benefits the business currently has in place. These programs can be customized around cost, size, or demographics of the business. Rue Ann has worked with employer groups ranging in size from three employees to thousands of employees. She brings a broad understanding on customizing benefits for her clients. She has been married for 33 years and has one son. She loves running and spending time with her family.

Scott Davis
Voluntary Benefits Consultant

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Scott attended Bowling Green State University in Ohio on a football scholarship graduating with a degree in Business Communications. While finishing his degree at BGSU, Scott received accolades for his work with a national insurance company. He was invited to speak at multiple engagements across the country and appeared in a national recruiting video. After graduation, in December of 2014 Scott returned home to Richmond and began working with brokers in the greater Richmond area to develop and enhance their voluntary benefits strategies. In his free time Scott enjoys spending time with friends and family, working out, reading, and traveling.

Tim Cavazos
Voluntary Benefits Specialist

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Tim Cavazos has been in the voluntary benefits space for 10 years with a focus in strategic partnerships, enrollment planning & fulfillment and technology solutions. He spent a majority of his career in the New York City metropolitan area overseeing large cases, such as the FDNY, and serving in a variety of managerial roles within his organization. He built his career on a philosophy that centers around a consultative approach, which takes into account both the needs of the employer and the employees. He attempts to integrate voluntary benefits into plan design in order to help offset costs and increase coverage. Tim moved to Richmond, VA to be closer to his family in Williamsburg, VA, where he was raised. He enjoys playing golf and volunteering at the Massey Cancer Center at VCU. He is proud to be part of Asset Protection Group and looks forward to assisting with client needs.

Wayne Trimble
Finance Director

804.423.7700 ext. 307 / This email address is being protected from spambots. You need JavaScript enabled to view it.

Before coming to Richmond, Wayne was assistant director of rates and regulation for American water works. He was responsible for all the financial filings with state regulatory agencies for the operating companies located throughout the southeast. Wayne began his career in Richmond working as the chief financial officer for a municipal bond brokerage firm. After the firm was sold, he became an independent consultant specializing in tax-exempt securities. Over the last 20 years, he has acted as financial advisor and also as investment advisor on numerous municipal bond financings throughout the Mid-Atlantic region. Wayne holds degrees in accounting and finance from West Virginia state university and attended West Virginia university’s college of graduate studies. He is an associate member of the West Virginia society of certified public accountants. Wayne is a U.S. army veteran having served 3 years with the 75th ranger regiment. He enjoys reading, the beach and playing golf.

Kelsi Wrend
Office Coordinator

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Kelsi Wrend graduated from Northern Virginia Community College with an Associates’ Degree in Social Sciences. She holds a Property and Liability license with many years of experience in the office/administrative field. Native to Annapolis, Kelsi has spent most of her life in Northern Virginia/Maryland but is enjoying the change of pace in Richmond. She enjoys spending time with her family and friends and is looking forward to welcoming her baby girl in December 2018.

No Fees for Our Analysis

To get your No Fee Analysis with one of our insurance professionals, please contact us today at 800.644.9840 or info@apgroupinc.com

AP Group is a proud member of the following associations:

  • iiava

    Employee Benefits Endorsed Provider

    IIANC
    VSAE

    Employee Benefits Endorsed Provider

  • VACO

    Employee Benefits Endorsed Provider

    VTCA

    Employee Benefits Endorsed Provider

    VTA

    Employee Benefits Endorsed Provider