(303) 369-3200

Kristen Russell
Chief Executive Officer

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 talented husband Dave, a photojournalist, and Chaco, a Border collie mix.


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). Like Tonya, she manages all aspects of client renewals start to finish, ensuring outstanding year-round proactive service. Juliet loves a challenge – whether it’s updating her 130 year old house in Sloans Lake, training for another triathlon, or keeping up with her very active two young boys.


Jamie Nguyen,
Office Manager


Jamie manages the administrative functions of our office. She also assists the Client Managers and Client Service Specialists with many different client tasks, such as creating communications materials, preparing for open enrollment meetings, and quoting.


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.


Colin Powers,
Healthcare Analyst/CSS


Colin Powers is a Healthcare Analyst and Client Service Specialist. While Colin’s background is in finance, he has over seven years of customer service experience. At Fall River, Colin works with account managers on a variety of tasks to provide a positive experience for all of our clients year round. As a Colorado native, he is an avid skier and enjoys spending his free time adventuring in the mountains and trying new restaurants with his girlfriend.

Tonya Young,
Account Executive

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.


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.



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 fiancé and their dog, Sage.



Jon Wanczyk,
Account Manager


Jon brings seven years of experience in the benefits industry to Fall River. Throughout his career, he has worked with individuals, families, and businesses looking to establish and maintain benefits for their employees. At Fall River, Jon works with his clients to navigate their renewal while also providing proactive year-round service and education on compliance obligations. Outside of work, Jon can be found outdoors with his dog, Arya, whether it’s hiking, camping, or lounging in a park, or rooting for his hometown Philadelphia sports teams.