President & Owner of Asset Protection Group, Inc (AP Group)
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 as the Chairman of the Board of the Independent Insurance Agents of Virginia (IIAV), Virginia’s oldest and largest association of insurance agents. Monty currently sits on IIAV’s for profit Board known as the Virginia Financial Services Corporation “VFSC” and is active in the legislative process with IIAV and other associations. Monty 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 Fortress Insurance Company. In years past he served on Anthem Blue Cross and Blue Shield’s advisory Board. In July of 2016, Monty was appointed as Director-at-large of the Virginia Association of Health Underwriters “VAHU”. In August 2016, Monty was appointed as a member of the UnitedHealthcare’s Small Business Advisory Council. He also works closely with the Virginia Society of Association Executives “VSAE” whereby AP Group is the endorsed health insurance benefits provider for VSAE and many of its sub-chapter associations. As a lifelong Richmond native, in his free time, Monty enjoys being active, playing guitar, racquet sports, golf, cards, spending time at the beach and being with his family, friends, and dog Brandy.
Jennifer Hartman, AAI
Vice President & Executive Property & Liability Account Manager
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.
Assistant Property & Liability Account Manager
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.
Executive Life & Health Account Manager
Kim has been with AP Group since its inception and takes pride in serving our Life & Health clients. 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. Upon completing her education she 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.
Executive Life & Health Account Manager
Katie holds a Virginia Life & Health Insurance license, as well as a
Life & Health Account Manager
New to Virginia - but not new to the insurance industry, Beth joins AP Group with more than ten years of insurance experience. She holds licenses for Life & Health, is Medicare Certified, and holds a Property & Casualty license. Originally from California, Beth and her husband of 28 years recently moved to Virginia to be close to family. She has two grown children, Tyler and Hannah. Beth enjoys reading, walking the beautiful parks of Virginia, and spending time with her family and her Bichon - Bella.
RueAnn Emerson, CLF
Voluntary Benefits Consultant
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 benefits 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 of 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.
Voluntary Benefits Specialist
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 the 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.
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 a financial advisor and also as an 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.
Nikita is the director of first impressions at AP Group! She has been working in the insurance industry for nearly a decade and is happy to help our current and prospective clients.