Our People At Academy Financial Benefit Services we do more than administer benefits. We help our clients demonstrate commitment to their employees, by helping employees realize the true value of benefits as a significant component of their compensation package. Our comprehensive approach to benefit implementation would not be possible without the sound and capable skills of our experienced staff. We are proud to introduce you to our team.
Joseph K. Morgan, LUTCF, CRPC® 410.825.3569 Ext. 1
As the Managing Partner of Academy Financial Benefits Services, Joe strategically oversees the administration of the customized needs of the company’s 400 plus employer groups. He is also responsible for developing meaningful relationships with new clients on the firm's behalf. Joe prides himself on maintaining AFBS’s reputation as the “one stop” firm for employee benefits for small business owners, and the self-employed alike. As a business owner himself, he has a clear understanding of the various challenges and opportunities his clients face when making benefit decisions. Joe has more than eighteen years of financial services experience, and in addition to holding his life and health insurance licenses, is also an Investment Advisor Representative and Registered Representative with Lincoln Financial Advisors Corp.– a Broker/Dealer and Registered Investment Advisor. He holds his Chartered Retirement Planning Counselor designation through the College for Financial Planning as well as his Life Underwriters Training Council Fellow designation through the He is a native of Baltimore, Maryland, and currently resides in Towson, MD, with his wife, Tracy, and his daughters, Katy and Grace and son, Josh. In his spare time Joe enjoys golfing, skiing and photography. CRN201001-2037907
410.825.3569 Ext. 2
Mike is a partner on the Academy Financial Benefit Services team and has been with the firm since January 2000. He maintains a significant number of employer group client relationships across the state of Mike has more than 18 years experience in the financial services industry. In addition to holding both his life and health insurance licenses, he is also an Investment Advisor Representative and Registered Representative with Lincoln Financial Advisors Corp. – a Broker/Dealer and Registered Investment Advisor. Mike holds his Chartered Financial Consultant and Chartered Advisor for Senior Living designations through the Mike is active in the financial services industry as a past Board Member of the Baltimore Chapter of the National Association of Insurance and Financial Advisors (NAIFA) and is the current President of the NAIFA Baltimore Charitable Foundation. Mike is a native of
Susan A. Blake, 410.825.3569 Ext. 3
Sue brings over twenty years of employee benefits experience to the AFBS. Her knowledge of carrier plan designs, benefit program attributes, as well as her overall understanding of the insurance industry positively impacts the operations of AFBS’s growing employer and employee clientele. Sue handles new and renewing business for founding partners, Mike Ward and Harry Horn. She holds her Life and Health insurance licenses, and is also HIPAA and COBRA certified. Sue plays an essential role in the daily operations of the business. Sue is a native of
Angela R. Hasenei 410.825.3569 Ext. 4
Angela has over ten years of hands on experience in the employee benefits industry. She prides herself on possessing an intricate knowledge of the carrier plan designs of the many providers in the martket today. She is the firm's main liaison for rate updates, spreadsheet analysis and customized benefits presentations. Angie services the group insurance clients of Joseph Morgan and Michael Leonard and handles all renewal and new business clients on their behalf. Her guidance and experience is integral for all AFBS's clients as they move through the employee benefits enrollment and renewal process. Angie is a native of
Melissa Tower, 410.825.3569 Ext. 5
Melissa has been affiliated with AFBS since 2006. As an Employee Benefits Assistant her primary focus is on assisting clients as they move through ongoing enrollment processes and procedures. Melissa also welcomes the opportunity to assist AFBS clients as they seek to resolve billing questions and concerns. In addition, she plays an integral role in researching and resolving employee claim issues in a timely and efficient manner. She is a native of Baltimore, Maryland and currently resides in Towson, with her son.
Michele St. Croix 410.825.3569 Ext. 6 Michele is an Employee Benefits Assistant, who is responsible for processing all AFBS’s individual health insurance client applications. In addition, Michele provides quote support on new and renewal business for the firm overall, especially during the various open enrollment periods that occur throughout the year. Michele also assists Sue Blake, the firm's Employee Benefits Coordinator and Office Manager. Michele is a native of Baltimore, Maryland who currently resides in Harford County. She is a graduate of University of Baltimore and holds her Bachelors of Science in Computer Information Systems. Michele is married and the Mother of two beautiful children.
Harry founded Academy Financial Benefit Services ten years ago in concert with Michael Ward and Joseph Morgan. Today he serves as a Board Member of the organization and maintains a limited number of personal benefit clients. Harry has more than thirty years experience in the financial services industry, and in addition to providing benefit services, is an Investment Advisor Representative and Registered Representative with Lincoln Financial Advisors Corporation – a Broker/Dealer and Registered Investment Advisor. He has obtained his Chartered Life Underwriter and Chartered Financial Consultant designations from the Harry is a graduate of the US Military Academy at CRN201001-2037906
Michael founded Academy Financial Benefit Services ten years ago in concert with Harry Horn and Joseph Morgan. Today he serves as a Board Member of the organization and maintains a large number of personal benefit clients. Mike has over twenty five years experience in the financial services industry. He is also an Investment Advisor Representative and Registered Representative with Lincoln Financial Advisors Corp. – a Broker/Dealer and Registered Investment Advisor. Mike has earned his Chartered Life Underwriter and Chartered Financial Consultant designations through the He is an avid marathon runner, and has participated in the CRN201001-2037909
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Michael T. Leonard, ChFC, CRPC®, CASL®
