A full-service agency helping you find the right coverage at the right price for every policy you need. Our experienced team does the hard work of comparing coverages so you don’t have to.

We’re looking forward to serving you!

Talk To Our Advisors

Stephen Ross

CEO of Ross Insurance Brokers, Inc

I’m originally from New Zealand, where I began my insurance career 25 years ago. 15 years ago, I became a Dave Ramsey Trusted Provider because I could combine my desire to help people through their financial journey using the various insurances that Dave Ramsey recommends. My wife and I have 2 adult children and we are actively involved in our church. I especially love mentoring men through small groups, helping people with their small business, mountain climbing, BBQ and biking outdoors.

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Grace Ross

Life and Health Insurance Advisor – Small Group

I believe that the key to success is through genuine care. Understanding what people need, hearing their situation, and finding a solution is what fills my heart! My goal is not only to build relationships with each client, but also to help them get lasting results to help them feel successful over their own lives! I have 7 years of customer service experience and I’d say that with this involvement, I have learned the essentials of communicating well with others and relating to their needs. In college, I took up Intercultural Business Communications and Theology. Being in a business degree, I have really enjoyed working with businesses with building comprehensive benefits packages for their teams to help with their employee retention and engagement. I really look forward to serving you with all your insurance needs.

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Caroline Cauldwell

Life and Health Insurance Advisor

With six years of customer relations experience and eight years in various fields of business, I am dedicated to guiding clients through their insurance options with clarity and confidence. I grew up in a small town on Washington Island, WI, where I developed a deep appreciation for community and trust — values that continue to shape my approach to helping others. My background has given me the ability to connect with people, understand their needs, and provide tailored solutions that offer true peace of mind. When I’m not helping clients, you’ll find me staying active, indulging my love for great food, or getting lost in the beauty of the Rockies. I look forward to helping you find the right insurance solutions to fit your needs!

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Joseph Goldberg

Life and Health Insurance Advisor

With over thirteen years of experience in corporate and banking finance as well as financial planning, my passion is to help others. I am from Denver, Colorado. I enjoy spending time with my blessed family and community, and being active. It would be an honor to serve you in tailoring insurance solutions to any needs you may have.

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Meet Our Customer Service Team

Life & Health

Shawn Sato

Sr. Client Services Assistant

Charmaine Sato

Client Services Assistant

Tracii Verdejo

Client Service Assistant

Home & Auto

Margarita Simeros

Sr. Client Services Assistant

Anna Lhea Julian

Client Services Assistant

Executive Team

Josh Ross

Chief Financial Officer

Alexa Umali – Panagsagan

Head of Operations and HR. CPHR ®

Sheryll Monzon

Executive Assistant

Our Story

Guided by Faith.

Grounded in Family.

Committed to Financial Peace.

Hello, I'm Stephen Ross, Founder and CEO of Ross Insurance Brokers.

My journey into insurance didn't begin in a boardroom-it began with a calling to serve. Born and raised in New Zealand, I completed Bible college in Singapore with a focus on World Missions. My dream was to serve in Asia, but as a newly married husband, I knew I needed to first build a secure foundation for my family. In 1998, I was offered an opportunity to become an insurance agent-and that opportunity changed everything.

I quickly discovered I had a passion for helping people. Sitting with families, understanding their needs, and designing customized insurance solutions gave me more than just a career-it gave me purpose. That's when I realized insurance could be more than a job. It could be a ministry in the marketplace.

In 2002, my family relocated to Portland, Oregon, where I joined New York Life. It was during this time that I took Dave Ramsey's Financial Peace University through our local church. That course was a turning point. Dave's principles reshaped my entire approach to personal finance-and business. I realized that too many families were overpaying for coverage or buying insurance they didn't need. I felt a strong conviction to bring clarity, value, and education to the insurance process.

So in 2003, I left New York Life and launched Ross Insurance Brokers Inc out of my garage, guided by the same financial values that Dave teaches. By 2007, we were officially incorporated and growing fast. In 2011, I became a Dave Ramsey Health Endorsed Local Provider (ELP)-a partnership that aligned perfectly with our mission: to give honest advice, provide smart value, and serve each family like our own.

Today, we are proud to be a Ramsey Trusted and licensed and helping families in in 24 states and counting. We continue to apply the Ramsey principles in every area of our business. Whether it's helping clients avoid over-insurance, comparing rates to find smart savings, or equipping families to protect their financial future, we do it all with integrity, wisdom, and heart.

In 2018, we transitioned operations from Portland to Denver, Colorado, allowing us to better serve clients nationwide while building a healthier rhythm for our team. In the years that followed, something very special happened-our family joined the mission. My daughter Grace came on board in 2021, and my son Joshua in 2022. Together, we're building a legacy of trust and protection for families across the country.

Stephen Ross - At a Glance

• Born and raised in New Zealand, with a heart for missions and service.

• Completed Bible college in Singapore with a focus on World Missions.

• Entered the insurance industry in 1998, discovering a passion for helping families protect what matters most.

• Moved to Portland, Oregon in 2002 and worked with New York Life.

• Took Dave Ramsey's Financial Peace University, which transformed his business philosophy.

• Founded Ross Insurance Brokers in 2003 from his garage-guided by Ramsey principles.

• Incorporated the business in 2007 and expanded product offerings with a growing team.

• Became a Dave Ramsey Health Endorsed Local Provider (ELP) in 2011-now serving clients in 24 states.

• Relocated to Denver, Colorado in 2018 and transitioned to a fully remote team model.

• Grace (2021) and Joshua (2022) joined the company-making it a family-run mission.

• Operates a remote team in the U.S. and the Philippines, focused on excellence and outreach.

• Company mission: Protecting families first-with personalized, honest insurance solutions.

Our Core Values

At Ross Insurance Brokers, our culture is built on five key values that reflect both our faith and our approach to business:

• Fun - We celebrate life together.

• Innovative - We don't just react-we anticipate.

• Value - People before profit, always.

• Excellence - We charge ahead like rhinos-focused and resilient.

• Synergy - We know more together than we do alone.

These values guide how we care for our clients, lead our team, and make decisions every day.

We've now been in business for over 22 years, and even through the challenges of COVID-19, we've adapted and grown. Our remote-first model allows us to operate with excellence from locations across the U.S. and in the Philippines, where we're proud to also give back through job creation.

With my wife Lois, originally from Singapore, our heart for missions continues-both in how we serve families here and how we support causes abroad. At the end of the day, this business has always been about people, purpose, and peace of mind.

Whether you're shopping for health insurance, life protection, Medicare plans, or home and auto coverage, we're here to simplify the process and help you make wise decisions-just like we'd do for our own family.

We are grateful for your trust and look forward to walking this journey with you.