OUR TEAM
PRODUCERS
L. Dean Forman- Partner
Dean Forman developed a love for financial services from his father who was a State Farm Insurance Agent for 40 years. Hearing his father speak to clients sparked in him a passion for learning the principles of risk management, taxation, estate planning and saving and investing a part of everything you earn for a rainy day. In the fall of 1977, a class on financial planning provided fuel to feed the flames of financial independence. Dean went on to complete his undergraduate education in Family Financial Planning and Counseling at Brigham Young University. Dean became a Certified Financial Planner (CFP) in 1986. In 1994, he received his M.S. in Retirement & Estate Planning from the College for Financial Planning. Dean is also
a Certified Employee Benefit Specialist (CEBS), received in 1998 from the Wharton School and the International Foundation of Employee Benefit Plans. In 2011, Dean completed a decade long pursuit of his PhD in Constitutional Law and Philosophy earning his PhD from George Wythe University.
Dr. Forman opened his own business Forman Financial Planning in 1983 and was one of the founding partners of Genovese Forman Burford in 1987. While there he established the employee benefits business. In January of 2008 he separated and thereafter established Prospero Benefits with his sons and esteemed friends.
Dean met his wife Linda in 1981. She is his best friend, inspiration, and confidant. They are thrilled to have 4 children and 12 grandchildren. Family, Faith and Freedom define Dean’s passions. Dean and Linda love travel, art, music, the classics, and history.
Dr. Forman is active in his community having served on the Roseville Joint Union High School District Governing Board from 2000 to 2004. He was the chair of the Placer County Republican party from 2005-06. He served as Board Member and President for CORE Academy, a charter school in Placer County from 2006 to 2009. He currently serves as Founder, and Board Chairman of John Adams Academy, a K-12 charter of 3 schools and 4500+ scholars located in the Sacramento California area. In 2012 the Freedom Foundation recognized Dr. Forman for his efforts in founding John Adams Academy with the George Washing Honor Medal in 2012. In 2013 he was also honored with the Distinguished Service Award from the BYU Alumni Association. He mentors at the academy, is a frequent lecturer and authored many academic and timely articles on the principles of risk management, independence, finance, and freedom in America. His blog may be found at ldeanforman.blog.
Jared Forman- Partner
Jared Forman has always loved technology, innovation, business, efficiency, cars, helping others, his Faith, and his Family. As a teen, and with his parents mentoring and support, he and his buddies started a Mobile Car Detailing business. After High School classes ended for the day they would gather their supplies and work hard together. Jared liked learning new skills and being detailed in his work. He enjoyed creating a clientele and working to maintain the relationship through high standards of work ethic and a meticulous product. After a few years that Detailing Business was sold for a profit as Jared embarked on a new adventure.
With a deep devotion to his Faith Jared interrupted college and chose to serve as a missionary for his church in Santiago, Chile for two years. He thoroughly enjoyed being immersed in serving the people and learned Spanish. Before even returning to the United States Jared knew business was his passion. He concurrently enrolled back in college and started work with his father Dean at GFBB in 2004. He both received his Health and Life License and started the greatest adventure of life, marriage, in 2005. Since then, he has earned a Bachelor’s Degree from the University of Phoenix in Business Management, the Registered Employee Benefits Consultant (REBC®) designation from the National Association of Benefits and Insurance Professionals (NABIP), and the Group Benefits Disability Specialist (GBDS) designation from the National Underwriter Company.
Jared is currently one of the partners of Prospero Benefits Group, alongside his Father Dean, and brother Daniel. His mission is to serve Companies and Individuals by helping them find the best products for the best value. Jared excels at listening to companies’ needs and responds as promptly as possible, as every client is valued. He is committed to integrating innovative technology that improves efficiency with Group Benefits, and ultimately desires to help every client be successful.
Outside of work, you’ll find Jared with his wife and 5 energetic kids working, serving, or playing together. He still loves cars, especially a clean one, and is relentless in working to commit his wife to no children eating in the car. On rare occasion, when he can get away, Jared likes trying new foods, or doing a Driving Experience on the Racetrack.
Account Executives
Daniel Forman- Partner
Daniel acquired his love for business, insurance, and financial services in his early youth. Taught by his father to work hard and invest in the future, Daniel has eagerly pursed his education to bring increasing value to the firm. Daniel received his Bachelor’s Degree from Brigham Young University’s Marriott School of Management in Finance in April of 2013 and shortly after was awarded his life and health license.
Since entering the insurance business in 2013, Daniel has tirelessly worked to educate himself and Prospero clients on the perpetual evolution of healthcare, government regulation, HR services, and industry technology. Navigating these
turbulent times has allowed him the necessary experience and knowledge base to effectively implement niche products and services, coordinate different lines of coverage, and to ultimately deliver otherwise unattainable results and efficiencies to clients.
Daniel devotes most of his attention to administering the benefit packages for employers with 1-100 employees. While group benefits are his primary focus, he maintains a high level of expertise in the areas of individual and family insurance, Medicare and supplemental coverages, and the complexities of government run subsidized exchanges.
When not in the office, Daniel spends as much time possible with his wife and family, raising their four young children and counting. They travel whenever they have the opportunity and take great joy in admiring the natural beauties of the world, her people and cultures. More recently Daniel and his wife founded a West African Agricultural Society, with the main goal of improving the food production and quality of life for third world residents, by investing in modern equipment and farming technologies.
Bringing sustainable solutions to individuals, families, businesses and communities is his lifelong goal and personal commitment.
Carina Kool- Account Executive
Carina joined our team in October 2013 with 12+ years of experience in the health insurance industry servicing individual and group markets with their benefit insurance needs. Before joining Prospero, Carina worked as an Office Manager for a broker’s office, she was responsible for all aspects of daily operations and the day-to-day installation, servicing, and negotiating of renewals of all individual and group accounts.
Carina’s primary responsibility at Prospero will be to market and service accounts, negotiate rates with carriers, and prepare benefit proposals while fielding client service issues and concerns. She will also be responsible for maintaining client
relationships and evaluating each client’s benefit needs to assure that we are providing them with the best possible coverage and service.
Carina brings her positive approach and outlook to all that she does. She is knowledgeable, hard-working, and dedicated to providing superior service. She holds her CA Life & Health License.
Outside the office, Carina enjoys spending time with her family and friends. She enjoys traveling and loves staying active outdoors. She has a passion for running, but also loves to go on hikes, swimming, and bike riding. She loves a good book and movie too!
Steve Kool- Account Executive
Steve joined our team in October 2018. His primary responsibility at Prospero is to market and service accounts, negotiate rates with carriers, and prepare benefit proposals while fielding client service issues and concerns. He will also be responsible for maintaining client relationships and evaluating each client’s benefit needs to assure that we are providing them with the best possible coverage and service.
Steve strives to put our clients first in an effort to delight and retain existing and new business.
In his free time, Steve enjoys spending time with his family, traveling, lifting weights, and staying physically active, as well as continuing his education.
Marcos Conde Negron- Account Executive
Marcos joined our team in August 2022 with 10+ years of customer service experience. He is new to the insurance industry but is passionate about learning and growing within the company. He takes pride in providing the best experience possible to those he serves. Marcos is a self-motivated leader and has been an integral part of the firm.
Marcos aims to bring a service that is positive and passionate to everyone he serves. As he looks to help our team continue to expand our relationships with our existing clients and any new ones we take on.
In his free time, Marcos enjoys staying active by going on hikes and playing basketball. He focuses on continuing his education, and he is an avid sports fanatic with a deep love of the Sacramento Kings and Philadelphia Eagles. He also enjoys spending time with his loved ones.