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 been driven by a passion for innovation, technology, business, efficiency, and serving others. Combined with a deep commitment to his faith and family, these values have shaped both his personal life and professional career.

As a teenager, Jared launched a mobile auto detailing business with the mentorship and support of his parents. After school each day, he and his team built a loyal client base by delivering meticulous work and exceptional customer service.

The experience taught him the importance of entrepreneurship, attention to detail, and building lasting client relationships. After several successful years, he sold the business and pursued new opportunities.

Jared temporarily paused his college education to serve a two-year mission for his church in Santiago, Chile. During that time, he immersed himself in serving others, became fluent in Spanish, and gained a broader perspective on leadership, service, and culture. Before returning home, he knew his future would be in business.

In 2004, Jared joined his father, Dean, in the employee benefits industry while simultaneously returning to college. He earned his California Life and Health Insurance License and married his wife in 2005, beginning what he considers his greatest lifelong partnership. Jared later earned a Bachelor's Degree in Business Management from the University of Phoenix, the Registered Employee Benefits Consultant (REBC®) designation through the National Association of Benefits and Insurance Professionals (NABIP), and the Group Benefits Disability Specialist (GBDS) designation.

Today, Jared is a Partner at Prospero Benefits Group, where he works alongside his father, Dean, and his brother, Daniel. He is dedicated to helping employers design employee benefit programs that deliver exceptional value while simplifying administration and improving the employee experience. Known for his responsiveness, strategic thinking, and client-first approach, Jared takes pride in understanding each organization's unique goals and delivering thoughtful, innovative solutions. He is especially passionate about leveraging technology and automation to improve efficiency and create a better experience for both employers and employees.

Outside of work, Jared enjoys spending time with his wife and their five children, whether serving in their community, traveling, or creating memories together. He remains an automotive enthusiast with an appreciation for both performance and craftsmanship, enjoys experiencing new restaurants, and, whenever the opportunity arises, can often be found behind the wheel during a performance driving experience at a racetrack.

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.

Account
Executives

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.

Gaby Clemons- Account Executive

Gaby is a native of Oakland, California, having lived there for over 30 years. She earned her bachelor's degree in political science from the University of Minnesota – Twin Cities, with a double major in History, where she was a member of Phi Alpha Theta, the History Honor Society. While in college, Gaby was on the Minnesota Mock Trial team and was also an active member of Alpha Gamma Delta Sorority. She later served as an alumnae advisor to the San Francisco State chapter of Alpha Gamma Delta for seven years.

Prior to entering the insurance industry, Gaby spent more than 12 years in retail leadership, holding store and department management roles with companies including Victoria’s Secret and Bloomingdale’s in San Francisco. At Victoria’s Secret, she was a “Platinum” Store Manager—a designation awarded to leaders of stores performing in the top 100 of all brick-and-mortar locations. She was also recognized with the “Who Made It Happen” Award at Bloomingdale’s for the fourth quarter of 2013. This experience shaped her strong customer service mindset and her ability to lead high-performing teams.

Gaby brings over a decade of experience in employee benefits, most recently serving as a District Sales Manager with American Fidelity Assurance across Northern and Central California. During her tenure, she was recognized for her performance and leadership, earning “Rookie of the Year” in 2017 and “New Group Manager of the Year” in 2023. In 2021, Gaby earned her GBA (Group Benefits Associate) designation from the Wharton School and the International Foundation of Employee Benefit Plans.

In early 2026, Gaby joined Prospero Benefits and is energized to be part of a boutique brokerage that prioritizes exceptional service and client retention. She is known for her highly communicative style and “white-glove” approach to assisting employees. In addition to supporting clients, she enjoys new account development.

Outside of work, Gaby enjoys spending time with her husband and their five children. Her hobbies include collecting vintage Pyrex, going on cruises, reading culinary murder mysteries, and tending to her rose garden.