Our Representatives

At Encore Financial Group, we embrace an independent, open-architecture business model. And as a member of this diverse team of professionals, our representatives are able to effectively and purposefully service different markets within our community. We have representatives located in Florida, Michigan, Pennsylvania, and Tennessee, with many representatives licensed in additional states. 

Cheboygan, MI

10595 N. Straits Hwy.
Cheboygan, MI  49721

Gaylord, MI

685 East M-32, Suite 200
Gaylord, MI 49735

Petoskey, MI

418 Waukazoo Ave, Suite 1
Petoskey, MI 49770

West Branch, MI

112 N. 3rd St
West Branch, MI 48661

Bay City, MI

Harrisburg, PA

Pennsylvania

Professional Team

Petoskey

418 Waukazoo Ave, Suite 1, Petoskey, MI 49770

Denise Croake

[email protected]
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Jill M. Reynolds

[email protected]
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Gaylord

685 East M-32, Suite 200, Gaylord, MI 49735

John Westenbarger

877-6ENCORE
[email protected]

Cadillac

9232 Mockingbird Ln, Cadillac, MI 49601

Rich Galka

[email protected]

West Branch

112 N. 3rd St, West Branch, MI 48661

Jerome Kusey

[email protected]
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Roger Hughey

[email protected]
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Bay City/Saginaw

615 Washington Avenue, Bay City, MI 48708

Bruce Falcon

Bruce Falcon

[email protected]

Kelsey-Kozuch

Kelsey Kozuch

[email protected]

Pennsylvania

Doug Harbold

15 Pine Ridge Rd, East Berlin, PA 17316
717.308.1879
[email protected]
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Ed Nissley

1854 Newport Rd, Manheim, PA 17545
717.664.2384
[email protected]
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How our team approach works for you:

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Under one roof we essentially house a select group of individuals who supply the expertise in a solid range of insurance and financial offerings. If your representative’s realm of expertise doesn’t cover a unique aspect of your profile, you can be sure one of their colleagues does.
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To facilitate the process and to ensure each client’s needs are addressed, Encore has established a review process that helps determine potential coverage lapses and the corresponding specialty at Encore.
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To fully support our representatives, Encore provides in-depth trainings on products and processes, as well as the opportunity (and even the expectation) for them to expand and enhance their areas of professional expertise through additional training and licensing programs. The way we see it, if our representatives meaningfully expand and deepen their industry knowledge, their clients are the direct beneficiaries.
Interested in meeting a rep?

DISCLOSURE

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

Check the background of this investment professional on FINRA's BrokerCheck.

This communication is strictly intended for individuals residing in the states of AL, DE, FL, GA, MI, NH, NJ, PA, SC, TN, VA, WV. No offers may be made or accepted from any resident outside the specific state(s) referenced.

Osaic Wealth Form CRS

MEDICARE DISCLOSURE

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options. Currently, we represent 16 organizations which offer 65 products in your area. You can always contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for help with a plan.

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