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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 Lowdermilk

John W. Lowdermilk


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

Chief Financial Officer

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

Senior Account Executive

Saskia’s passionate attitude to providing excellent customer service and eye for detail deliver unmatched client service. She is a licensed Health and Life Insurance Broker in the state of Colorado. That, combined with her diverse business experience, provides 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.

Kristi Brock

Account Executive

The world of Employee Benefits and Executive Insurance is all about people and details. And that’s what motivates Kristi. She is dedicated to providing exceptional service to our clients. Kristi will help you manage your small business group health insurance renewals, ensure your policy applications are accurate and complete, and keep you informed throughout your health insurance installment and renewal process.

Medicare Specialist Chrissy Santucci

Chrissy Santucci

Medicare Sales Representative

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.

Steve Jonas

Technology - Adjunct Team Member

Steve provides the technical know-how and support to keep the Lowdermilk IT systems humming. From hardware to software to networks to the cloud, Steve manages the Lowdermilk technology infrastructure to be in step with security, HIPPA compliance, data back-up, software upgrades, and new technology integration.

Steve runs TechKnowldge Solutions, a Denver based IT Tech support business. He specializes in working with small and medium businesses to tailor IT solutions that help them to succeed and thrive. Steve is an integral part of the Lowdermilk Team.

Mark Major

ERISA Attorney - Adjunct Team Member

ERISA attorney Mark Major is a recognized specialist in the area of health and welfare plan legal compliance. With the increasing complexity of rules governing health and welfare benefits, Lowdermilk & Associates partners with Mark to solve difficult compliance risks.

Mark’s expertise includes broad-based compliance check-ups and reviews across a number of benefit plans such as 401(k), pension, health, life, disability, severance, wellness, cafeteria and flexible spending account plans, health savings accounts (HSAs), and VEBAs; targeted reviews examining specific problem areas such as COBRA, HIPAA, FMLA, USERRA, nondiscrimination testing, fiduciary liability, governance, eligibility, reporting and disclosure, trust requirements, prohibited transactions, and health reform (Affordable Care Act) issues; and remediation that may include training, plan document and SPD modifications, and vendor contract modifications, as well as development of procedures, forms and other documents to support good benefit plan risk management.