Author: Miller, Brian

we are glad you are with us

WELCOME

We are so excited that you have trusted us to help you protect your assets. We take great pride in our agency, community and clients. As an Independent Agent we offer choice, provide a high level of service and are local right here in our community. But what does that really mean? Can’t other agents say the same thing about their business? Here is how we are different:
Choice: As an independent agent, we offer a choice of multiple insurance carriers, coverages, price, and more. Our main focus is to find the insurance coverage that best suits your unique needs and gives you the best options. In addition, we know you have a choice when selecting a local independent agent. We want to continue to show how we earn your trust through our regular communication, personal relationships, and community involvement. We want you to know that now you have a friend in the insurance business with knowledge, experience, and solutions you can trust!
Provide High Level of Service: To us, service means you will know who are staff members are – and not just the usual run of the mill insurance stuff. You will know about them as people and we want to know the same about you. So when you call you will know who you are talking to! We will also be there for you in the event of a claim. Being independent means we work for you, not the insurance companies. We will be there to make sure your interests are protected and not forgotten.
Local: When most people say they are local they mean they have an office in your community. While that is true of us, when we say we are local we mean we are a part of your community. We are involved with local and national charities and organizations that benefit where we live. We believe that if we put our time and money where it matters the most we all benefit. Stay tuned in our news letters for opportunity to join us at fun events, we hope to see you there!
So what’s next? Please read through the rest of the Welcome Packet for more information on the agency. Once you have read through the information, place it in the enclosed folder and keep it with your files for safe keeping and future reference. If you have any questions, give us a call. We would be more than happy to assist you.
Again, thank you for giving us the privilege to help you protect your assets.
Cole Richardson
Sailor, Dad, Insurance Agency Owner

Knowledge, experience, and solutions you can trust

OUR STAFF

9658 N. May Ave Suite 100 Oklahoma City, OK 73120| 405-254-5600 | www.theFRSgroup.com

Cole Richardson
Sailor, Dad, Insurance Agency Owner
Email – ColeR@theFRSgroup.com
Cole created the FRS agency model in 2008 which brings multiple professional practices together; legal, CPA, estate planning, and asset risk management (insurance), in order to address our many client’s total financial life. He is married to his lovely wife Carol and has four beautiful daughters and four grandchildren. He earned his Certified Insurance Counselor designation in 1980 and is now enjoying the best staff he has had the privilege to work with at FRS. Cole enjoys sailing, traveling, Bible study, and anything Scottish!

Barb Story
Caregiver, Enjoyer of Life’s Journey, and Insurance Agent!
Email – BarbaraS@theFRSgroup.com
Barb has been with FRS since July 2009 as a Business Insurance Customer Service Agent and has been an Oklahoma Licensed Property Casualty Insurance Agent since 1981. While originally from Michigan’s frigid Upper Peninsula, she and her husband Jim, have made the windy state of Oklahoma their home. Barb thoroughly enjoys insurance on a daily basis, her extracurricular activities extend to caring for her brother John, who is an in home family member, landscape gardening, decorative painting, and enjoying life to its fullest with family and friends. Her daily mantra: it Is what it is and it will all be okay.

Darbi Tomlinson
Lover of all things outdoors, family person and Insurance Agent!
Email – DarbiT@theFRSgroup.com
Darbi has been a fully licensed insurance agent in Oklahoma since 2005. She has been a producing agent and customer service representative at FRS since 2010. Darbi obtained her Certified Insurance Service Representatives designation in 2015 and has a large passion for serving her clients insurance needs. Darbi resides in Guthrie, her hometown, with her husband Brad and two children. She enjoys skiing, camping, fitness, recycling, church, crafts and being a wife and mother.

Knowledge, experience, and solutions you can trust

OUR STAFF

9658 N. May Ave Suite 100 Oklahoma City, OK 73120| 405-254-5600 | www.theFRSgroup.com

Pamelia Steffenhagen
Gardener, Beach Lover, Step Mom, and Insurance Agent!
Email – PamS@theFRSgroup.com
Pam has been with FRS since March 2011 when she relocated from New York to Oklahoma. She is a fully licensed insurance agent for Oklahoma servicing Commercial clients. Pam has an Associates Degree in Accounting from Herkimer County Community College in New York. Pam has worked in the insurance industry in various capacities for more years than she’ll mention as not to reveal her age. Pam lives in Choctaw with her cyclist husband Rob. Pam enjoys, Yoga, Zumba, cycling with Rob, tending her numerous flowers, and traveling to beach areas. Pensacola Beach, FL and Santa Barbara, CA are among her favorites. She also enjoys spending family time with her two grown step children, Ashley and Cole, as well as her two year old granddaughter Ava.
Danielle Garcia
Wife, Mother and Insurance Agent!
Email – DanielleG@theFRSgroup.com
Danielle has been with Financial Risk Solutions since 2011. She started out as a receptionist and a few months later obtained her license in property and casualty. She has been a service representative serving our clients home and auto needs and she enjoys the challenge each day and looks forward to growing in her career. She loves spending time with her husband and kids. She enjoys the lake, hiking, fishing, crafting, and cooking.
Michelle Tomlinson
Music lover, baseball mom, and Insurance Processor!
Email – MichelleT@theFRSgroup.com
Michelle has been at Financial Risk Solutions since January 2016 as receptionist and processor. Michelle is moving forward with her Insurance licensing with the State of Oklahoma and looks forward to growing with FRS. She lives in Edmond with her husband and three boys. She loves to spend time with her family, go to church, make jewelry and other arts and crafts and, of course, going to as many baseball games as she can.

Knowledge, experience, and solutions you can trust

OUR STAFF

9658 N. May Ave Suite 100 Oklahoma City, OK 73120| 405-254-5600 | www.theFRSgroup.com

Denise Griffin
Sports fan, mother, grandma, and Insurance Agent!
Direct Phone – 405-254-5613
Email – DeniseG@theFRSgroup.com
Denise has been in the insurance industry pretty much her entire life. Her parents were both insurance agents and they had her working in their offices at an early age back in the day when there were not fax machines or emails. Denise loves what she does an enjoys helping and being there for her clients. Denise has a son and daughter in law and two grandchildren. When she isn’t working she enjoys reading, and spending time with friends and family and as much lake time as possible.

Caleb Griffin
Family person, sports fan and Insurance Agent!
Direct Phone – 405-254-5605
Email – CalebG@theFRSgroup.com
Caleb has been in the insurance industry since he got his license when he turned 18. He works with his mother Denise and enjoys working in the industry and being able to talk to and help clients. His grandparents were both insurance agents and his mother is an agent so it felt natural for him to follow in their footsteps. When Caleb isn’t working he enjoys spending time with his wife Melissa and their two sons Dillan and Andre. He also enjoys watching sports and fantasy football.

Knowledge, experience, and solutions you can trust

OUR PRACTICE PARTNERS

9658 N. May Ave Suite 100 Oklahoma City, OK 73120| 405-254-5600 | www.theFRSgroup.com

Employee Benefits Specialist
Michael B. Dollins
Lake People, Art Lover, Music Appreciator, Traveler, and Citizen Lobbyist
Direct Phone – 405-830-4679
Email – Mike.Dollins@theFRSgroup.com
Michael has been in the insurance industry for 35 years with his areas of expertise in Group Life, Health, Dental, Disability, 125 Plans, administration for 125 medical reimbursement plans, self-funding medical and alternate financing of medical and dental plans. Michael also is a citizen lobbyist for Health Care issues and Small Business concerns with legislation impacting the health care industry. Michael believes in serving his community and has been chosen as a board member (15 years), officer (10 years) and twice (1992 & 1999) as elected as President of the Oklahoma City Museum of Art Associates Group.
Michael has served as a Board Member (10 years) , Officer and President (2013) of Upward Transitions, a homeless prevention organization, affiliated with United Way. Michael is the proud father of both Alexis and Rex, of OKC.
Michael looks forward to working with you to develop value-based Employee Benefit Plans for your business.
Attorney at Law
Mark A. Robertson
Disney fan, Dad, Scotsman, and Attorney
Direct Phone – 405-848-1944
Email – Mark@Robertsonwilliams.com
Mark A. Robertson is a partner in the law firm of Robertson & Williams in Oklahoma City where he represents businesses and the families that own them. His practice is concentrated in corporate, securities, estate and asset planning and mergers and acquisitions. He received a Bachelor of Arts degree with honors from Depauw University and a Juris Doctor from the University of Oklahoma College of Law. He also attended the University of Edinburgh where he studied international law, Scottish culture and Scotch whisky.
He loves everything Disney and travels to Disney World often; sometimes three or four times a year! Mark is an avid reader and has authored several law practice related books as well. His community involvement could best be understood by the many non-profit boards he has had the privilege to serve on. Mark has been married to Susan for over 30+ years and they have two sons, Matthew and David.

Knowldege, experience, and solutions you can trust

OUR PRACTICE PARTNERS

Estate Planner
Michael A. Chaney
Family Man, Traveler, Reader, Estate Planner
Direct Phone – 405-640-3520
Email – MChaney7@cox.net
At Financial Risk Solutions, LLC, Mike brings a values based approach to planning, in which he will identify your specific goals and combine these goals with the best solutions to achieve success. Whether the focus is Wealth Accumulation, Wealth Protection, Wealth Distribution, or Wealth Transfer, Mike and Financial Risk Solutions, LLC have assisted our clients in the development of meaningful strategies to achieve financial success.
Mike enjoys working and traveling with his family. They have family reunion in Red River, New Mexico every year where 20 or more family members get together. He also is an avid reader and spends a couple of hours a day reading a variety of books including the Bible.
Certified Public Accountant
Rob Sorum
Golfer, Family Man, C.P.A.
Direct Phone – 405-607-2885
Email – rsorum@robsorumcpa.com
Rob is committed to providing close, personal attention to our clients. He takes pride in giving you the assurance that the personal assistance you receive comes from years of advanced training, technical experience and financial acumen. His continual investment of time and resources in professional continuing education, state-of-the-art computer technology and extensive business relationships is indicative of our commitment to excellence.
When Rob is not slaving away on everyone's books, he loves to get away and play golf. He enjoys spending time with his family and watching the Nebraska Cornhuskers.

9658 N. May Ave Suite 100 Oklahoma City, OK 73120| 405-254-5600 | www.theFRSgroup.com

Knowldege, experience, and solutions you can trust

OUR INVOLVEMENT
IN THE COMMUNTY

www.websiteaddress.com

9658 N. May Ave Suite 100 Oklahoma City, OK 73120| 405-254-5600 | www.theFRSgroup.com

We Give Back
Giving back to our community is part of what we’ve been doing for several generations.
Some of the Services we give to: include
The Recovery Center
Upward Transitions
Water 4 Foundation and many more….

This last year TRC admitted 1,422 patients for 10 day detox regimens.

We Volunteer
Annually, we donate to charities not only financially but also with time. Darbi Tomlinson is shown here at an event that raised money for Muscular Dystrophy. We look forward to many more opportunities to volunteer in our community and the surrounding areas.

Darbi Tomlinson, CISR at the FRS-Jackson Barton Giveaway booth.

Knowledge, experience, and solutions you can trust

WHAT TO DO IF
YOU HAVE A CLAIM

9658 N May Ave Suite 100 Oklahoma City, OK 73120 | 405-254-5600 | www.theFRSgroup.com

Q. I've been in an accident – what now?
A. Start by reporting your claim to your insurance carrier. They need to know:
Get your phone out and take pictures!
When the accident occurred
Where the accident occurred (be as specific as possible)
How the accident happened
What kind of vehicle or vehicles were involved (including the year, make, and model)
A description of the damage on each vehicle
The names and contact information of people involved in the accident
The extent of any injuries to people involved in the accident
The names and contact information of anyone who witnessed the accident
The name of the law enforcement agency that responded and the police report number, if police were contacted
Q. I have damage to my property-what now?
A. Call your insurance carrier and let them know:
When the incident occurred.
A general description of what happened.
The location of the damaged property and what was damaged.
The condition of the home and if it is still livable.
If temporary repairs are needed.
If the fire or police department was contacted, which department responded and any report number. Your contact information and the best time to reach you
Did you get pictures?
Q. Do I need to protect my home from further damage?
A. Yes, once it is safe to do so, it is your responsibility to protect your property from further damage.
Arrange for reasonable temporary repairs such as boarding up broken windows, covering the roof, and removing debris.
Keep a list of any temporary repairs you make to document the damage, and make sure to save your receipts.
If possible, place damaged items in a secure area where they can be inspected. If you are unsure about an item, include it with the damaged property.
If you have fire or smoke damage, do not try to clean the damaged items. Sometimes cleaning things without the proper equipment can cause more damage.
Please also call us here at FRS Insurance Agency (405-254-5600).
When you have a claim, give us a call so we can let you know what to expect.

Knowledge, experience, and solutions you can trust

WHAT ARE
CLIENTS SAYING?

9658 N. May Ave Suite 100 Oklahoma City, OK 73120| 405-254-5600 | www.theFRSgroup.com

“Cole has done an outstanding job with all of our business insurance needs. He provides us with punctual service, he shops our rates every year to make sure we are saving money, he's always available when we need him....”
- Caleb G. — OKC, OK
“By switching my insurance to FRS I not only saved more than $1200 per year but I also got renters insurance added to my policy. Darbi Tomlinson you are a life saver a money saver in my book!
- Tiffany K. .— Guthrie, OK
“Cole was able to creatively package our non-profit's insurance needs into one, understandable package at a price which appears to beat all others. His professional manner and expertise are greatly appreciated.
- Don H. —- OKC, OK
.
“My wife and I spoke with Darbi Tomlinson about insurance on our vehicles and she got us a better policy, the best quote, and saved us over $1000 a year. She was fast with our quote and flexible about meeting with us. I am very impressed and thought I would pass this on”
- Quinten B.— Guthrie, OK
“Cole has helped for many years with my personal and business insurance needs and has done a terrific job in tailoring the coverage to the requirements. His knowledge of property and casualty insurance makes it easy to get the appropriate coverage at the appropriate price. Cole is always on the short list for referring clients in need of property and casualty insurance”
- Mark R. — OKC, OK

This is how we APPRECIATE you telling others about us..
If you refer a client to us and we are able to serve them with coverage you are entered into a monthly drawing for a $50 gift card
AND
Just for allowing us to serve your insurance needs we say Thank You by entering you into a drawing for a $50 gift card each month.

Knowledge, experience, and solutions you can trust