(303) 369-3200

Kristen Russell
Chief Executive Officer

Kristen founded Fall River in 2005 as the culmination of her insurance industry career as an actuary, underwriting executive, and consultant. She has supervised over 15,000 employer renewal calculations during her career, uniquely qualifying her to help employers obtain the best rates and renewals, and to bend the trend of our clients’ healthcare costs over time. Kristen loves bicycling, learning foreign languages, non-profit work, spending time with her two grown children and granddaughter, and traveling with her talented husband Dave, a photojournalist, and Chaco, a Border collie mix.


Juliet Fitzgibbons,
Account Executive

Prior to joining Fall River, Juliet brings over fifteen years of prior broker and account management experience in the benefits industry (she started at age four). Like Tonya, she manages all aspects of client renewals start to finish, ensuring outstanding year-round proactive service. Juliet loves a challenge – whether it’s updating her 130 year old house in Sloans Lake, training for another triathlon, or keeping up with her very active husband and two young boys.


Gaby Romero,
Operations Manager

Gaby is our bilingual Operations Manager, directing many of our administrative functions and enabling our client management team to spend more time directly with their customers. She also provides day-to-day support to our clients and members in English and Spanish and she assists the Client Managers with creating communications materials, preparing for open enrollment meetings and quoting. Gaby fell in love with Colorado and moved here in June 2015. She enjoys an active lifestyle and loves exploring the beautiful outdoors in Colorado and neighboring states with her partner and dog, Rylah.


Amy Schnicker,
Healthcare Analyst/CSS

Amy Schnicker, a Denver native, also serves as a Healthcare Analyst and Client Service Specialist. With a background in Customer Service, she assists members with their benefit questions and claims issues. She also supports the Account Managers on various benefit-related tasks. Amy enjoys completing DIY projects, working out, cooking, and spending time with her fiancé and their two dogs, Gus and Fred.

Tonya Young,
Account Executive

Tonya has been with Fall River for a number of years and serves as the most senior leader on our team.  She brings several years of prior insurance company expertise as well as working on the provider side.  With 20 years of benefits experience, her well-rounded knowledge makes her a trusted adviser as she guides our clients through benefit strategy, wellness and consumerism.  Tonya enjoys a very active life outside the office with her husband, three daughters, two dogs, cats, and many fish.  Her passions include reading and learning, life coaching, and scuba diving.


Scott Nitowski,
Account Manager

As an Account Manager, Scott’s responsibilities include handling all aspects of the renewal process. He provides proactive year round service to his clients and helps with compliance issues, wellness initiatives, and employee engagement. Scott's free time is spent traveling, golfing, hiking, or enjoying a nice long backpacking adventure with his wife Tina and dogs Noel & Apollo.


Adam Wright,
Healthcare Analyst/CSS

Adam is one of our Healthcare Analyst and Client Service Specialist. He supports our account managers and executives with benefit analysis, document preparation, escalated claims issues, and other client assistance. With a background in personal finance and public policy, Adam is able to provide a balanced perspective to client services. In his free time, Adam enjoys hiking, trying new coffee shops, trivia nights with friends, and spending time with his fiancé and their dog, Sage.