Joe Ruggiero

Kelly has over 15 years of insurance industry experience and has spent each of those years working directly with customers making sure all of their needs are met. She is a proud mother of two girls and a dog mom to Suzy, a 3 year old Terrier Pug mix. She enjoys couponing in what little spare time she gets.

A few years leaving the US Air Force in 2014, where she was a medical technician, Rebecca found herself to be a natural fit in the insurance industry because of her penchant for helping and educating others. When she is not in the office, Rebecca loves to cook but hates doing the dishes. She also enjoys playing video games and watching movies old and new. She views herself as both a homebody and a busybody.

Tim has been in the insurance industry since 1995. He ran his own agency in Maryland for 24 years and is now very happy to be on Joe's team! He enjoys working with families and making sure they are prepared for the unforeseen. Tim graduated from SUNY Albany and has his B.A. in Communications. He is the proud parent of 3 wonderful adult children. In his spare time he enjoys playing music, being outdoors and practicing his recently discovered a passion for disc golf.

Pat prides himself on delivering unparalleled customer service and has spent his entire career in the service industry. In his spare time he enjoys writing and performing music. He has both a Bachelors and a Masters degree in classical guitar performance and pedagogy from the Peabody Institute of the John's Hopkins University. When he is not at work or performing he also enjoys soccer, running and playing video games.