As our client, you will have a team of highly qualified professionals working for you to provide you with the best coverage for you, your family, or your business. Building a long-lasting relationship with our clients is our number one priority.
Certified Insurance Counselor (CIC), Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC) – Agency Founder and Principal
Recognized insurance professional, Past-President Life Underwriters Frederick County, Past-President Rotary Club of Gaithersburg. Former Vice-President, Training and Management Development for the Home Life Insurance Company, NY. Award winning (President’s Cup) General Manager, Prudential Insurance Company, MD. Member of the Independent Agents & Brokers Association (IA&B). Earned Certified Financial Planner (CFP) designation in 1993. Former Adjunct Instructor Adelphi University, NY, former LUTC instructor.
Erika Vannesa Guzman
Agent, Client Services Representative
Vannesa has been with Emerald Financial Group for 8 years. She is a graduate of San Marcos University, Lima, Peru, the oldest such institution in the Americas. Vannesa has several years’ experience working as an Underwriter and Loan Supervisor for a credit institution. She resides in Montgomery County.
Chartered Property and Casualty Underwriter (CPCU), Agent, Client Services Representative
With over 35 years in the insurance industry, first as an underwriter for a major insurance carrier and the last 8 years as a member of the Emerald Financial Group team, Lyman brings a wealth of knowledge and expertise to the organization. Lyman is a lifelong resident of Frederick County and a member of the Elks Club.