Meet the Lowdermilk & Associates Team

We’re dedicated to challenging the status quo of traditional Executive and  Employee Benefits programs. For more than 25 years our clients have relied on us to deliver innovative thinking, outstanding customer care, education, and inspiration.

Using our proven Lowdermilk CARES Employee Benefits methodology,  we build programs that align with your company culture.  Our planned approach also delivers lower overall costs.

John W. Lowdermilk

Direct: (303) 691-9888
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A 5th generation Coloradan, John’s trailblazer attitude is valued by his clients. Because of today’s highly regulated medical insurance environment, most companies find themselves in the same box.

It could be easy to fall into the inertia of just accepting things as they exist. John refuses to accept status quo.

True to his nature and reputation, John and his team roll up their sleeves and find innovative ways to deliver employee benefit plans that help their clients achieve their goals. The result is an approach that works for the customer’s business and meets the requirements of the legislated environment.

John also works with business owners to protect their assets with individual life insurance and annuity programs.

A pioneer in the development of partial self-funded health plans, John and the firm he founded, Lowdermilk & Associates is celebrating 25 years of service to both small and large Colorado businesses.

Shana Mugg, Greenwood Village Insurance Agent

Shana Mugg

Chief Financial Officer
Direct: (303) 691-9888
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Shana joined the Lowdermilk team in 2000. She has twenty plus years of experience serving as a Chief Financial Officer. Shana is an invaluable advisor to our firm and an integral part of our team.

Business has always been a part of Shana’s life since her teens. From earning the business student of the year award in high school to obtaining her MBA to working with Lowdermilk & Associates, there was never a question of what she wanted to do.

Shana loves numbers and believes they tell a story. Our staff values Shana’s business acumen and financial knowledge.


Saskia Kelly

Client Engagement Manager
Direct: (303) 691-9888
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Saskia’s passionate attitude to provide excellent customer service and eye for details deliver unmatched client service. She is a licensed Health and Life Insurance Broker for the state of Colorado. That combined with her diverse business experience provide the know-how to get the job done right.

Saskia is our guru on how to use Employee Navigator to centralize Group Benefits programs to streamline employee management, empower employees with the self-service portal, and improve employee communications. She is masterful at getting the database set up to support client specific processes. Additionally, she creates and advises our group clients on the disbursement of Wrap Plan and PCP (POP) documents.

Saskia manages and supports our individual clients in their annuity, life, and disability insurance needs as well. Her expertise and positive attitude keep the office humming.


Rochelle Sherbert

Account Executive
Direct: (303) 691-9888
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Rochelle understands the ins-and-outs of fully funded and self-funded group benefit programs. With more than 20 years in the business, Rochelle’s track record showcases her dedication to collaborate and always work in the best interest of clients.

She recognizes that Employee Benefit programs are complicated, more expensive, and more important in the challenge to attract and retain top talent. Clients appreciate Rochelle’s helpful and thoughtful approach to designing programs that support both the company culture and meet business objectives.

Rochelle is a licensed health and life insurance broker for the State of Colorado. Before, during, and after the sale, you can count on Rochelle to be there, help solve problems, and serve as a committed advocate on your behalf.

Chrissy Santucci

Sales Executive
Direct: (303) 513-5218

Chrissy is an expert on all things Medicare. Transitioning aging-in employees to Medicare helps to improve claims experience and often improves the bottom line. But helping eligible employees choose Medicare over Group Health Benefits is easier said than done.

She works with the Lowdermilk team to help client employees who are Medicare eligible understand their options. Chrissy relies on her 20 years of specializing in Medicare to simplify the complexity and help eligible employees feel empowered to make a good decision.

Chrissy’s thoughtful communication style helps eligible employees understand their benefits, and feel confident in choosing Medicare. Chrissy also works with employers to get clear on the financial impact of moving eligible employees from Group Health to Medicare.