Acorn Benefits, LLC
Acorn Benefits has a team of seasoned professionals who have acquired a vast expanse of knowledge and experience while beginning their careers at major employee benefit insurance carriers. Our team advises and helps organizations manage their employee benefit programs by delivering the best solutions to control their healthcare and benefit expenditures.
Acorn Benefits has literally saved their clients millions of dollars.
Saving money is a good option that is bound to excite the people in accounting. It is not the purpose of an employee benefit program. An employee benefit plan is an investment in the human capital or more definitively the fellow employees in the company or organization. An employee benefit program should provide both needed services and security for each covered employee. Acorn works with our client companies to reach their goals and maximize the value of their employee benefit plans.
Meet The Team
Joe has been in the insurance and financial services arena for over 45 years. His varied experience includes involvement in almost all phases of the industry. A member of AALU, he is a Life and qualifying member of Million Dollar Round Table and the John Hancock President Cabinet. He led Profesco Corporation as President from 1972 until 1985 when he founded Acorn Financial Services.
In addition to serving as the Founder and President of Acorn Financial Services, he was also formerly a founding Board Member of Carnegie Bank.
Joe is a graduate of St. Joseph University in Philadelphia, PA and is a Board of Trustees member. He holds a certificate for completing the Harvard University Advanced Management Program. He has received numerous industry and civic awards. In addition, he serves on the Advisory Board of Investors Savings Bank, Chairman of the Board of Trustees for the Scholarship Fund for Inner City Children for the Archdiocese of Newark, and he was formerly on the Board of Trustees at Baltusrol Golf Club. He supports other charitable organizations and programs in the Summit area.
Joe and his wife, Lynne, have been married for over 50 years and live in Summit, NJ. They have four married children with 15 grandchildren.
Dan graduated with a B.A. from the University of Scranton in 1995. Since joining Acorn Financial Services in 1999 he has built a successful practice catering to businesses and their employees. He is the manager of Acorn’s Group Insurance Department.
Prior to joining Acorn, Dan spent 3 successful years marketing Oxford Health Plans products to businesses ranging in size from 20 employees to 1000 employees. With the objective of broadening his product offerings and enhancing his business relationships, he left Oxford in 1999 and joined Acorn Financial Services. At Acorn Dan has helped to build a comprehensive group department with product offerings on a fully insured and self-funded basis from all of the major insurance carriers in health, dental, life, disability, long term care, and vision.
Dan approaches each case in a similar manner. He seeks a complete understanding of the client’s circumstances and objectives. Once this understanding is achieved he performs a comprehensive analysis of the market to find the most appropriate solution for the particular client. Upon discussing with the client and agreeing on the implementation of a program, Dan and the Acorn Team will service the client and perform regular evaluation meetings to ensure that the program is meeting the client’s needs.
Dan is a student of his business, recently completing the CFP curriculum and frequently attending and participating in seminars that keep him abreast of new planning techniques and legislation.
Terry has excelled in the employee benefits field since he started in 1981. Terry joined Acorn Financial Services in November 1989 to develop the employee benefits division. The benefits department is now operating as Acorn Benefits, LLC. The Acorn “employee benefits department had tremendous growth.
Terry calls the growth “controlled” shifting his emphasis to the long-term relationships / friendships that have resulted from the business. Terry is more apt to speak about how we were able to assist a client through a difficult illness which required our claims intervention or how we were able to negotiate a renewal from an 8% increase to a 12% decrease in premium. Terry has literally saved millions of dollars on behalf of Acorn clients.
Prior to joining Acorn Financial Services, Terry worked as a Group Sales Representative, Account Executive and Managing Group Sales Representative in the employee benefits division of Met Life. Terry was with Met Life from 1981 until November 1989. At Met Life, Terry was a perennial group sales leader. He managed the first “triple option” plan, which included an HMO, a PPO and Traditional Indemnity Plan. As a Managing Group Sales Representative, he managed two sales offices as well as his own sales / marketing responsibilities. He is still called upon by numerous insurance companies to consult on their marketing approach and product portfolio. Terry graduated from Mount Saint Mary’s College in 1979 with a B.S. in Accounting. He worked for a CPA firm for two years during which he passed the CPA exam.