Taking care of the people you care about.

LoVasco provides insurance, employee benefits, retirement products and consulting services for family-owned, closely held businesses. As trusted advisors, we help business leaders protect their loved ones and plan for the future.

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Take steps to safeguard your family, your business and your legacy.

We create customized insurance solutions to help ensure against life’s risks, so that you can focus on enjoying what matters most to you.

Insurance Services

  • Income Continuation Planning
  • Business Succession Planning
  • Executive Benefits & Deferred Compensation
  • Estate Planning & Wealth Transfer
  • Charitable Planning

Attract and retain great employees with great benefits.

Having great benefits keeps your organization healthy and thriving—and helps you recruit top talent. We partner with business leaders and HR professionals to design healthcare programs that are comprehensive, compliant and cost-effective.

Employee Benefits Services

  • Strategy Planning & Program Design
  • Financial Management
  • Vendor Management & Procurement
  • Plan Administration
  • Employee Communications
  • Compliance & Legislative Support

Plan for a worry-free retirement.

In an environment of ongoing regulatory and legislative changes, providing retirement benefits can be challenging and time-consuming. We offer guidance, planning and education to help leaders and employees retire on their own terms and with the lifestyle they desire.

Retirement Services

  • Plan Design & Benchmarking
  • Plan Level Investment Consulting
  • Fiduciary Oversight & Compliance
  • Vendor Search, Negotiations & Support
  • Employee Education

Innovative thinking. Personalized service.

As a family-owned, closely held business ourselves, we take great pride in taking care of the people you care about. Our team’s wealth of experience and vibrant entrepreneurial spirit allow us to continually deliver innovative solutions to address each client’s unique needs.

This personalized approach has earned us the trust of hundreds of businesses in the Great Lakes region and around the country. While LoVasco was established in 2013, founders Gene and Michael LoVasco are part of a strong legacy of leadership in the industry—one that began over 60 years ago and continues to this day.


See what we’re up to and read more about us.

Our experienced team.

Insurance

Gene LoVasco

President

With more than 30 years’ experience in the industry, Gene leads and inspires his team to provide innovative and sustainable solutions for clients. His expertise lies in executive benefit planning, transferring businesses to the next generation, and protecting estates from inheritance taxes.

Prior to forming LoVasco, Gene was president of Brown & Brown of Detroit, one of Michigan’s leading insurance companies, after joining when his independent agency was acquired in 2007. Before entering the insurance industry, Gene practiced public accounting at Arthur Andersen.

Gene sits on the boards of the St. John Hospital Foundation, American College Foundation, and The Detroit Athletic Club Foundation. He also enjoys spending time with his family, traveling, golfing, and biking.

  • BA in accounting from Michigan State University
  • JD from the University of Detroit Law School
  • CLU designation from the American College
  • 32 years' experience

Annette Marschall

Vice President & Managing Director

Annette manages the Insurance Services team along with coordinating all aspects of underwriting and case design.

Naturally forward-thinking, Annette’s skillset is organization and implementation. Her extensive experience in an agency setting, from ALCOS and Schechter Wealth, highlights her expertise in policy planning and delivery, as well as efficient team management.

Annette is dedicated to charitable work: volunteering at nonprofits; participating in her church; and traveling on mission trips, most recently to Costa Rica and Peru.

  • Life, Health and Accident license
  • 25 years' experience

John Marshall

Vice President

For more than 40 years, John has seen insurance in action—watching companies stay in business and families stay together. His goal is to protect people from living too long, dying too young, or becoming disabled.

Call him old-school, but John is a bona fide life insurance salesman. His focus is in wealth transfer planning, executive benefits, and corporate succession planning, but his real expertise is relationships. He treats clients like family; and when you’ve been in the business as long as he has, they practically are family.

John was Chairman and a founding partner of ALCOS before being acquired by Brown & Brown. John’s many affiliations and interests, including being a Principal for M Financial and a 41-year member of the Million Dollar Round Table with 23 “Top of the Table” qualifications, serving on the board of The Restore Foundation and Detroit Athletic Club, and traveling with his wife, highlight his commitment to work, community, and family.

  • BS in business administration from Wayne State University
  • CLU and ChFC designations from the American College
  • 43 years’ experience

Meg Ambabo

Senior Associate

Meg works with our team of advisors and clients to manage their insurance policies. Her customer service role is often synonymous with “caregiver.” Meg has been taking care of elder family members since she was 12 years old; her empathy allows her to relate to older clients and understand their concerns and unique needs.

For more than 30 years, Meg has served a range of clientele—from elderly annuity holders to executives. She began her insurance career with CNA in 1980. CNA’s reorganization in early 2002 allowed her the opportunity to join ALCOS (later Brown & Brown) as a Customer Service Representative in the Financial Services division.

Meg appreciates the close-knit, familial feel of LoVasco, where the well being of everyone is most important.

  • 35 years’ experience

Pat Bilicki

Senior Associate

At LoVasco, we strive to serve our clients through team effort. Pat works closely with John Marshall, specializing in insurance case design, marketing, underwriting, and client service. The duo has worked in tandem for more than 30 years and their clients appreciate their synergy in continually providing exceptional care and smart service.

Pat’s discipline enables her to prioritize, organize, and problem-solve, while her positive energy makes her a reassuring point of contact for any and all client questions and concerns.

Pat is involved in her community, having served eight years as a trustee on her local Board of Education and five years on the Wayne County Association of School Boards. She also loves to travel. With her husband, Pete, she visits a new U.S. destination each year to celebrate their anniversary

  • 39 years’ experience

Ryan DiBartolomeo

Analyst

Ryan assists all of our teams—Insurance, Retirement and Employee Benefits—in developing their areas of business by searching for new ways to gather and analyze data on clients and prospects.

After fulfilling a summer internship at LoVasco, Ryan was immediately ready to assume a full-time role. His first year in the industry has proven to be a perfect fit, aligned with the type of life work he was eager to commit himself to. Ryan’s passion for learning lends itself to bringing innovative approaches to financial services with a mission to constantly advance how we do business and keep LoVasco ahead of the curve in technology and efficiency. 

Ryan’s penchant for learning extends beyond the financial realm; he also studies cooking in his free time. Having read nearly a hundred cookbooks by many of the Michelin Star chefs, Ryan loves to experiment with food and master new techniques.

  • BA in economics from Michigan State University
Retirement

Mike Iley

Vice President & Managing Director

Mike is an influencer. He helps organizations design, build, and maintain the next generation of workplace savings solutions.

At LoVasco, Mike is responsible for thought leadership and the strategic direction of the firm’s Retirement Plan Consulting practice. His prior experience working at Arthur J. Gallagher & Co, NEPC Investment Consulting, and Morgan Stanley’s Graystone Consulting Group, provides a unique perspective on the industry. Mike is motivated every day to help the average American worker, who might not otherwise have access to financial guidance, the opportunity to build a meaningful nest egg for retirement by designing innovative retirement plans.

Mike is an avid Cross-Fitter and is active in his church community.

  • BA in Finance from Walsh College
  • AIF® Designation
  • 17 years’ experience

Chris Burke

Vice President

Chris has a pivotal role at LoVasco: he is responsible for creating lasting relationships with business leaders who want to provide a rewarding retirement experience for their employees.

By offering relevant and current investment advice and financial education, Chris is able to connect with his clients which helps them to understand and implement a plan for financial success. His background in law, and as an investment advisor at a large RIA and a prominent Wall Street brokerage firm, make him well positioned to give guidance to plan participants. He helps clients grow financially and personally by creating greater comfort in their financial situation.

America is facing a retirement crisis. In a marketplace where other advisors are shying away from 401(k) advice, Chris is running towards it to aid in the crisis; LoVasco is here to show participants the power of thorough and honest financial advice. Chris aims to make the process of properly using a retirement plan, within the context of a client’s financial situation, as easy as possible and equally impactful for their employees.

When he’s not watching the stock market, Chris enjoys playing hockey on the weekends and spending time with his wife, Alyse, an elementary school teacher.

  • Political Science degree from University of Michigan
  • Law degree from Wayne State
  • Active Member of the State Bar of Michigan
  • CFP®, CRPC®, and AIF® designations
  • 7 years’ experience

Beth Gear

Service Manager

Beth serves as a lead retirement contact for plan sponsors and participants. She works directly with 401k participants who need complex retirement issues solved in a timely and stress-free manner.

Beth’s attention to the details of her work, and to the people she services, enables her to add value to the lives of clients and participants. Whether it’s providing a compliance solution or conducting a benchmarking analysis, Beth offers a mindful and innovative approach to serving client needs.

  • BSBA in business administration with a concentration in finance and minor in legal studies from Central Michigan University
  • CRPS® designation
  • 7 years’ experience

Bill Smith

Vice President

Bill’s goal is to provide clients the best available service that will lead to accumulation of future wealth. He offers expertise regarding legal documentation and representation of retirement plans and delivers educational experience and knowledge about investing to keep his clients prepared and informed.

At home Bill tends meticulously to his garden, and his work is no different. Whether he’s providing immediate assistance to clients after hours or sending them a quarterly newsletter on investment nuances, Bill provides the kind of customer care that builds trusting relationships and long-standing client satisfaction.

  • BA in business administration from Oakland University
  • Milford City Board of Planning, President of Homeowners Association
  • 25 years’ experience
Employee Benefits

Michael LoVasco

Executive Vice President

As cofounder of LoVasco Consulting Group, Michael represents the third generation of family in the insurance industry. A steward of the reputation his grandfather, father, and family members have established over the last 60 years, Michael continues to uphold their legacy of integrity and hard work by building lasting relationship that focus on taking care of people.

Prior experience working for Deloitte, in New York City, helped shape some of the Michael’s business philosophies that have become integral to LoVasco’s culture of client services. Michael works with the Benefits team to provide financial modeling, peer review, strategy, and project management. He also spends much of his time meeting new people and learning about their businesses.

Serving on the Young Leadership Council of Racquet Up Detroit and being a Partner for Cornerstone Schools are just two examples of Michael’s charity involvement and commitment to Detroit.

  • BA in finance from Michigan State University
  • 8 years’ experience

Aaron Loiselle

Vice President & Managing Director

Aaron uses his roots in mathematics and teaching to advise employers on their health and welfare plans. Whether he is the spreadsheet guy, focused on financial modeling, or running client engagements, interacting with executives, Aaron’s blended skill set enables him to communicate well with CFOs and address the intricate benefits issues that face HR managers.

Past experience at Mercer and Blue Cross Blue Shield of Michigan gives Aaron keen insight to help employers optimize their health and welfare benefit plans by providing them with knowledgeable financial, strategic, and compliance advice.

When he’s not crunching numbers, the avid outdoorsman is trekking the trails with family and friends.

  • BS in mathematics from Wayne State University
  • MS in mathematics from Louisiana State University
  • 17 years’ experience

Christina Losier

Vice President

Whether it’s providing solutions to control costs or improving overall employee engagement, Christina applies both technical and creative expertise when guiding employers on health and welfare plan strategy.

Prior experience as a Principal consultant at Mercer developed Christina’s ability to lead client engagements. Unbound by traditional corporate constraints, Christina thrives under a more rewarding approach at LoVasco: free reign to design healthcare plans with our clients’ best interest at heart.

Indicative of her penchant for taking care of others, Christina delights family and friends with her creative culinary endeavors.

  • BBA in human resource management from Western Michigan University
  • 15 years’ experience

Laura Eames

Vice President

Laura is all about making people happy, and our clients love her. With expertise in plan design, marketing, and administration, she invests quality time listening, problem solving, and keeping clients satisfied and on track.

Laura’s human resources background primes her to work seamlessly with clients’ HR departments, and she appreciates being able to witness and contribute to their success. A giver at heart, Laura has a passion for helping others and has earned a reputation for becoming an extension of the client's team.

  • BS in human resource development from Oakland University
  • MS in human resource management from Walsh College
  • 16 years’ experience

Kate Rochlitz

Analyst

Kate works with clients and the consulting team to review market options, evaluating health insurance companies to assess the right fit for a client. Her analytical and mathematics background lends itself to the work we do—whether it’s building a financial model to calculate rates or developing financial reports to track the performance of health plans.

Prior experience as an analyst for a consulting company and a benefits consulting broker allowed Kate a seamless transition to her role at LoVasco. She looks for ways to increase efficiency in every task and finds creative approaches to delivering information that clients can easily comprehend.

From tennis and Cross-fit to cooking and crafts, Kate is always up for a challenge and brings two years’ experience.

  • BA in finance from Michigan State University
Operations

Elena Prendes

Chief Operating Officer

Elena is responsible for overseeing the day-to-day operations of LoVasco. Elena takes her knack for crossword puzzles and translates it to problem-solving at the office. Whether it’s accounting, marketing, or technology, her laser focus on process improvements and service ensures that our team is equipped to provide clients the best overall experience.

Having previously worked for two M Financial firms, Elena has an extensive knowledge of M products, underwriting, service, and technology, which enables her to support everyone on our team.

  • BA in health policy studies from University of Michigan
  • Life & Health license
  • 17 years’ experience

Angie Bulgarelli

Executive Assistant

Executive assistant and self-described “office cheerleader,” Angie started part-time but quickly became a key player in supporting our growing team and instrumental in building our company culture.

Angie’s background is in family entertainment. After 17 years working for a themed attractions corporation, Angie understands the value of the customer experience. Her dedication to sustaining a positive environment for employees propels our team to take better care of their clients.

A Missouri native, Angie loves exploring downtown Detroit and can recommend just the right place for any event.

Angela Gabriel

Office & Marketing Administrator

LoVasco prioritizes community engagement, and Angela’s job is to ensure that we stay connected. Angela works to maintain continuity and relevance across all social media platforms, carefully curating content and promoting an ongoing conversation with the public.

A recent shift from academia to insurance consulting has allowed Angela’s creativity to soar. At LoVasco, she is dedicated to developing marketing initiatives that flourish from start to finish. Angela also provides administrative support to each client service team and assists in overseeing the day-to-day operations of the firm.

Outside of the office, Angela enjoys the Metro Detroit art scene and is active in her own creative community of Hamtramck.

  • BA in art history and international studies from Wayne State University

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Proud to be an M Financial member firm.

M Financial has strong partnerships with many of the nation's most respected insurance carriers and investment firms. As a member firm, LoVasco is positioned to meet the complex needs of affluent clients and corporate markets.

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