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. 

* Not affiliated with Osaic Wealth, Inc. and does not offer securities or investment advisory services.

Petoskey

418 Waukazoo Ave, Suite 1, Petoskey, MI 49770

Denise Croake

denise.croake@efgrp.net
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Jill M. Reynolds *

Jill.Reynolds@efgrp.net
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* Not affiliated with Osaic Wealth, Inc. and does not offer securities or investment advisory services.

Gaylord

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

John Westenbarger

877-6ENCORE
john.westenbarger@efgrp.net

Cadillac

9232 Mockingbird Ln, Cadillac, MI 49601

Rich Galka

rich.galka@efgrp.net

West Branch

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

Jerome Kusey*

jerome.kusey@efgrp.net
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Roger Hughey

roger.hughey@efgrp.net
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Bay City/Saginaw

615 Washington Avenue, Bay City, MI 48708

Bruce Falcon

Bruce Falcon

bruce.falcon@efgrp.net

Kelsey-Kozuch

Kelsey Kozuch

kelsey.kozuck@efgrp.net

Pennsylvania

Doug Harbold

15 Pine Ridge Rd, East Berlin, PA 17316
717.308.1879
doug.harbold@efgrp.net
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Ed Nissley

1854 Newport Rd, Manheim, PA 17545
717.664.2384
ed.nissley@efgrp.net
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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?