(303) 369-3200

Meet Kristen Russell, the Founder and Managing Partner of Fall River Benefits.

Kristen Russell
Founder and Managing Partner

Kristen founded Fall River in 2005 as the culmination of her insurance industry career as an actuary, underwriting executive, and consultant. She has supervised over 15,000 employer renewal calculations during her career, uniquely qualifying her to help employers obtain the best rates and renewals, and to bend the trend of our clients’ healthcare costs over time. Kristen loves bicycling, learning foreign languages, non-profit work, spending time with her two grown children and two granddaughters, and traveling with her husband and dog.

Meet Juliet Fitzgibbons, our Account Executive and your go-to resource for group health insurance.

Juliet Fitzgibbons,
Account Executive

Prior to joining Fall River, Juliet brings over fifteen years of prior broker and account management experience in the benefits industry (she started at age four). Juliet manages all aspects of client renewals start to finish, ensuring the most affordable benefits possible as well as outstanding year-round proactive service. Juliet loves a challenge – whether it’s updating her 130 year old house in Sloan's Lake, training for another triathlon, or keeping up with her very active two young boys.

Meet Amy De Lorezno, one of our expert Healthcare Analysts and Client Service Specialists at Fall River Benefits.

Amy De Lorenzo,
Healthcare Analyst/CSS

Amy, a Denver native, also serves as a Healthcare Analyst and Client Service Specialist. With a background in Customer Service, she assists members with their benefit questions and claims issues. She also supports the Account Managers on various benefit-related tasks. Amy enjoys completing DIY projects, working out, cooking, and spending time with her husband and dog Gus.

Meet Annette Ero, one of our Healthcare Analysts and Client Service Specialists at Fall River Benefits. Annette will help you find the right healthcare solutions for your needs.

Annette Ero,
Healthcare Analyst/CSS

Annette serves as a Healthcare Analyst and Client Service Specialist. She comes to Fall River from Dallas with a healthcare management and benefits background of over eight years. She assists our members with various claims issues as they arise and our account managers with benefit analysis. Annette enjoys exploring new cuisines and hiking. In her spare time, you can find her at the gym or cooking a new recipe in her air fryer.

Meet Michelle Nelson, our Senior Account Manager at Fall River Benefits. Michelle will help you pinpoint the right small business benefits and employee programs that are best for your business.

Michelle Nelson,
Senior Account Manager


Michelle brings a wealth of experience in the healthcare industry to Fall River Employee Benefits, through her work as a consultant, national accounts underwriter, and in sales on the insurer side – developing strategy and managing client relationships. As a Senior Account Manager, Michelle uses her diverse background and skills to strategize and develop leading edge benefit plans, pricing and solutions to exceed the goals of our clients. Michelle loves Colorado and enjoys cycling, hiking, photography, traveling and spending time doing all of the above with her three sons.

Meet Tonya Young, the Strategic Account Director of Fall River Benefits. Tonya will leverage her years of experience to pinpoint the right small business benefits for your company.

Tonya Young,
Strategic Account Director

Tonya has been with Fall River for a number of years and serves as the most senior leader on our team. She brings several years of prior insurance company expertise as well as working on the provider side. With 20 years of benefits experience, her well-rounded knowledge makes her a trusted adviser as she guides our clients through benefit strategy, wellness and consumerism. Tonya enjoys a very active life outside the office with her husband, three daughters, two dogs, cats, and many fish. Her passions include reading and learning, life coaching, and scuba diving.


Meet Scott Nitowski, the Account Manager of Fall River Benefits. Scott is on your side for ACA compliance issues, employee engagement initiatives, and more.

Scott Nitowski,
Account Manager

As an Account Manager, Scott’s responsibilities include handling all aspects of the renewal process. He provides proactive year round service to his clients and helps with compliance issues, wellness initiatives, and employee engagement. Scott's free time is spent traveling, golfing, hiking, or enjoying a nice long backpacking adventure with his dog Apollo.


Meet Adam Wright, one of our Healthcare Analysts and Client Service Specialists at Fall River Benefits. For all of your healthcare solutions, healthcare concerns, and healthcare questions, Adam will provide the information you need to succeed.

Adam Wright,
Healthcare Analyst/CSS


Adam is one of our Healthcare Analyst and Client Service Specialist. He supports our account managers and executives with benefit analysis, document preparation, escalated claims issues, and other client assistance. With a background in personal finance and public policy, Adam is able to provide a balanced perspective to client services. In his free time, Adam enjoys hiking, trying new coffee shops, trivia nights with friends, and spending time with his fiancée and their dog, Sage.

Chelsea Nunziato,
Account Manager and Analyst


Chelsea is an Account Manager and Analyst, and a Denver native. She helps our clients and the other account managers with benefit strategies and analysis, and our members with questions they have on their benefit plans. Her background in consulting and mathematics enables her to serve our clients and our team both with immediate insight and a long-term view. Chelsea has a deep love of literature, hiking, and galivanting around the state with her young son.