Deana Doyle

Personal Lines Agent, ACSR, CISR

Office: 831-771-5307

Deana Doyle is a personal lines account executive for Leavitt Central Coast Insurance Services. She focuses on personal insurance and course of construction insurance. Deana enjoys educating clients and helping them get great value for their insurance dollar.

Deana has worked in the insurance industry since 2006. Prior to joining the agency, she spent 10 years with State Farm. She also has experience in baking and mortgage lending.

Jeff Pulford

Broker, CIC, AFIS, ACSR Commercial Lines

Office: 831-809-6824

Jeff Pulford is an account executive for Leavitt Central Coast Insurance Services and focuses on commercial, marine, employee benefits, and home and auto insurance. He also acts as a mentor and coach to other insurance agents in the agency.

Early in Jeff’s career he worked in the produce business and attended a local junior college at night. The insurance courses were his favorite and when offered an internship with Safeco Insurance he embraced the opportunity. This led Jeff to open Pulford Insurance Agency and work for over forty years in every aspect of insurance marketing, sales, underwriting, and education.

Jeff earned a bachelor’s degree in public and business administration from the University of Arizona and a Master of Business Administration from Golden Gate University. He earned the Certified Insurance Counselor (CIC), Accredited Customer Service representative (ASCR), and Agribusiness and Farm Insurance Specialist (AFIS) designations.

Jeff volunteers in his community and is active in the Palma School Alumni Council, Monterey Peninsula Yacht Club, and St. Francis Yacht Club.

Chris Deaver

Broker, Marine Advantage

Office: 831-809-6824

Christopher Deaver is a producer for Leavitt Central Coast Insurance Services and focuses on marine, personal, and commercial insurance, including private yachts and charters. He joined the agency in 2018 when Leavitt Group acquired Pulford Insurance Agency. Christopher had worked for Pulford Insurance Agency since 2011.

Prior to working in insurance, Christopher worked for 18 years for West Marine Pro, an international wholesale distributor of marine products and accessories.

Christopher earned a degree in agribusiness and food industry management at California Polytechnic State University in San Luis Obispo. He also earned the Certified Insurance Service Representative (CISR) designation. Christopher is an avid sailor and fisherman.

Barb Musselman

Account Executive, Commercial Lines, ACSR

Office: 831-771-5321

Barb Musselman is an account executive for Leavitt Central Coast Insurance Services and focuses on commercial insurance. She joined the agency in 2018 when Leavitt Group acquired Pulford Insurance Agency. Barb had worked for Pulford Insurance Agency since 2002.

Prior to selling insurance, Barb worked as a personal lines underwriter at California Insurance Group, now Capital Insurance Group, for 18 years. Earlier in her career, she managed a clothing store in Carmel, California, and worked in retail and the hospitality industry in Kansas.

Barb studied at the University of Kansas and Wichita State University. She and her husband Bill love to visit museums, national parks, and sporting events, as well as travel, find fun out-of-the-way restaurants, and visit their grandchildren.

Ward McKalson

Managing Principal, LUTCF

Office: 831-424-6404

Married to Kristen in 1988 and have 2 children, Ryan, age 23, and Delaney, age 18. We live in Toro Park, CA.

• CA Insurance License 4/1991
• Life Underwriting Training Council Fellow (LUTCF) Designation 1994
• Board President Family Resource Center 1994-1995
• Anthem Blue Cross Top Producers Club 1996-Current
• Golf Coach San Carlos School 2002-2004
• Golf Coach Palma Junior High 2005-2008
• Golf Coach Trinity High School 2012 - current
• Leading Producer Round Table (LPRT) Designation 2006
• President Monterey Bay Association of Health Underwriters 2007
• New York Life Agent 9/1991 – 4/1993
• Hal Dudley & Associates Agent – Co-Owner 4/1993 – 1/1996
• McKalson Insurance Agency Owner 1/1996- 1/2009
• Leavitt Central Coast Insurance Agency Co-Owner – Managing Principal 1/2009 – Current

Melissa Langley

Principal, CISR, Operations Manager

Office: 831-771-5362

I am the Office Manager for Leavitt Central Coast Insurance Services and oversee the agency's overall operations. I started my career in insurance as an Account Executive for State Farm. I began working for Barlocker Insurance in 2003 as an Account Executive in the Smalll Business Unit. I became Office Manager in 2006 after Barlocker Insurance merged with the Leavitt Group and formed Leavitt Central Coast. I am actively involved in a number of community organizations including the Salinas Valley Business Womens Network and the Monterey and Salinas Chambers of Commerce.

Charity Guerrero

Employee Benefits Manager

Office: 831-424-6404

Charity Guerrero is an employee benefits manager and focuses on helping employers with 100 or more employees. She excels in maintaining client satisfaction in all areas of benefits consultation, compliance, and oversight.

Charity started her insurance career in 2000 working for an insurance agency. She soon became licensed in life and health, and she worked as an employee benefits account manager, a department manager of account management, and a key account manager for the agency’s largest and most lucrative clients.

In 1994 Charity graduated with a degree in medical assisting and then landed a position with an administrative office of a large physicians association. She worked in several departments over a span of five years, including telephone customer service, medical claims appeals review, medical claims processing, and eligibility.

Prior to insurance, Charity worked in medical management. She also worked as an in-home caregiver for elderly and disabled individuals.

Charity earned the Self-Insurance Certification from the National Association of Heath Underwriters.

Chris Delgado

Life and Financial Services Advisor

Office: 408-427-4849

Christopher Delgado is a life and financial services advisor for Leavitt Central Coast Insurance Services. He has worked in insurance since 2003 and is experienced in life insurance and annuities.

Christopher has worked with many of the top insurance companies throughout his career such as Government Personnel Benefits, Intelliquote Insurance Services, Transamerica Agency Network, Cenco Insurance Marketing, and Colonial Life.

Christopher’s first introduction to the insurance industry was through AFLAC. After working with AFLAC he decided to venture out on his own and work independently selling life insurance. Christopher excelled with one of the companies he contracted with, Colorado Bankers Life, who put him in the top ten percent of their nationwide sales force. Later he found a home as an internal marketer, finding success in the annuity marketing division.

Christopher graduated from San Francisco State University with a degree in hospitality management and spent several years in the hotel and restaurant industry prior to his insurance career.

David Stone

Personal Lines Agent

Office: 831-771-5372

A Licensed P&C Insurance Agent with over 25 yrs of Experience, able to Write Commercial Insurance, (Workman's Comp, General Liability, Business Auto, Etc) and Personal Insurance, (Home,Auto, Umbrella's Etc.)

Denise O'Laughlin

Benefits Account Executive

Office: 831-771-5328

Denise O’Laughlin is an Account Executive with Leavitt Central Coast Insurance Services and has worked as a Human Resources Director for over 10+ years as a strategic business partner implementing global projects. Denise has experience in Benefits Administration, Compliance and Training. She brings a wealth of HR knowledge to the team.

Denise holds a B.S. in Economics and a M.S. in Human Resources & Organizational Development from the University of San Francisco.

Denise’s background in various industries will allow her to create and implement cost effective plans across both small and large groups. She will work with clients in managing employee benefits to including medical, dental, vision, chiropractic, group life, disability, voluntary life, employee assistance programs, supplemental plans , & section 125 and 132 plans.

Capabilities and Services

• Renewal Marketing
• ACA Compliance & Reporting
• ERISA & CMS Compliance
• COBRA Administration
• HRIS/BenAdmin Systems
• Claims Advocacy
• Enrollment Support
• Wellness program

Francis Svedas

Senior Vice President, CPCU, Commercial Lines

Office: 831-771-5377

Francis Svedas has over thirty years of commercial insurance experience, both as an underwriter and as an agent and broker. Through hard work and the commitment of service to his clients, his team has built an extremely successful insurance practice.

Francis is a responsive, value-added resource for his clients. He is a trusted partner in the business planning process and a respected leader in the industry. He has achieved a level of professional knowledge that puts him among the most successful and sought-after business insurance advisors in the industry.

Francis holds the Chartered Property Casualty Underwriter (CPCU) designation for professionals in property-casualty insurance and risk management. The CPCU designation is held by just over two percent of all those employed in the insurance industry in the United States and is widely considered the premier designation in the property and casualty insurance industry.

Since graduating from the University of Delaware, Francis has worked within the insurance industry. He has held a number of diverse roles, including actuarial analyst, underwriting analyst, and underwriting management in underwriting, operational, financial management of a California workers compensation managing general agency, and financial and operational management of a California retail agency.

Joe Bonura

Broker, Commercial Lines CICS

Office: 831-771-5347

I have been in sales for 10+ years. I was a Media Consultant for the Monterey Herald before joining Leavitt Central Coast. I enjoy working with local business and being involved in the community. As a producer with Leavitt Central Coast Insurance Services, I handle commercial insurance such as workers comp., general liability & property coverage to name a few.

My wife Stacie and I have three wonderful boys. Plus a dog named Charlie. I enjoy attending and coaching my sons sports activities. We are California Natives and love the Central Coast.

Judy Larson

Employee Benefits Producer

Office: 831-424-6404

Judy is an employee benefits producer for Leavitt Central Coast Insurance Services. Judy has over 24 years of experience in the industry, including selling individual life and disability policies, a variety of benefits products, and focus on the mid-sized employee benefit market.

Prior to joining the agency, Judy worked in the large regional brokerage market as an employee benefits producer. She spent seven years servicing and selling individual life and disability policies and managing a program for Sutter Heath utilizing variable life insurance as a vehicle for the executive non-qualified deferred compensation plan. She spent nine years as an employee producer for both a local boutique benefit shop and Willis, focusing on the mid-size tech market.

Judy also spent five years opening California offices for regional brokers located on the east coast where she gained experience setting up infrastructure as well as managing and recruiting staff.

Judy has earned the Certified Self Funding (CSFS) designation. She is active in the San Joaquin Human Resource Association, the Northern California Human Resource Association, and the California Trucking Association.

Trish Lefors

Vice President, Employee Benefits

Office: 209-609-6346

Trish Lefors has been in the insurance business since 1986. Spending all but two years on the agency / brokerage side. She has duel licenses Employee Benefits and Property & Casualty with her focus and strength in Group Employee Benefits and Workers Compensation.

"My objective is to create long term strategies that will help mitigate the rising cost of healthcare, reduce the administrative burden on Human Resources, and educate employers and employees to become better healthcare consumers."

Trish has a 29 year old son David and a 1 year old Grandson who she adores as well as two Border Collie sisters Maggie and Ruby. She loves to volunteer to help the homeless as well as fishing, hiking and anything to do with the nature and animals.