Kelsey Kozuch began as an independent insurance agent in 2020. She serves the Saginaw/Bay City area as an independent life and health insurance agent at Encore Financial Group. Kelsey started her career-path as a hair stylist, where she solidified her love for caring for people. Through a personal interaction with her own financial advisor she learned the importance of planning ahead, and decided to help others. Kelsey’s mission is to help her clients plan for their future and have financial security.

Kelsey maintains her professional salon services as well as volunteers for various community events to provide hair and make-up services. She enjoys traveling with her husband, Lucas and walking her dog, Bodhi.