Our Dedicated Team The Service You Need From Professionals You Trust

Andy Fernandez



With over 25 years in the insurance industry, Andy has accumulated invaluable knowledge and experience that ensures our clients receive sound advice regarding their insurance needs.  Andy’s commitment gives our clients leading edge information pertinent to them as employers.  He is also a firm believer in giving back to the community and serves on numerous charitable organizations.

Maria Lagos

Key Accounts Manager


Maria works closely with SFGB’s key accounts acting as their advocate with all insurance carriers to assist with claim resolutions and contract amendments.  In addition, she assists during the contract renewal process with managing the RFP and implementing enrollments for all lines of coverage.  Prior to joining SFGB, Maria worked at John Hancock and Penn Mutual as an administrative assistant.

Karen Cadavid

Enrollment & Terminations


Karen provides administrative support to all our clients. She also assists with the process of enrollments, terminations, Cobra administration and invoice adjustments for SFGB clients.

Karen Loucel

Renewal Specialist


With over 10 years experience in the administration field, Karen is our Renewal Specialist who insures that these are completed in a timely and efficient manner in order to guarantee that our clients are getting the benefits they need. Her ability to personalize and customize the renewal package ensures that our clients’ expectations are always exceeded.