(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.

Tonya Kimrey,
Account Executive

Tonya brings eleven years of prior insurance company expertise to Fall River, as well as experience working in a doctor's office, all of which make her an expert in solving her clients’ benefit issues. She guides her clients through their renewal process, ACA and other compliance issues, and helping to engage her clients’ employees in wellness and consumerism. Tonya’s personal life centers around her family and her dogs, and she has a passion for reading, writing, and scuba diving.


Susan Shepard,
Operations Manager

Susan is our Operations Manager, directing many of our administrative functions and enabling our client management team to spend more time directly with their customers. She is responsible for setting up our proprietary HRIS system for clients, quoting coverage, developing client benefit guides, publishing our blog each month, and managing our back office. While not working, Susan enjoys paper crafting, needlework, bicycling, reading and golfing, as well as spending time with her husband Bill, three grown children and granddaughter.

Scott Nitowski,
Client Service Specialist

As our Client Service Specialist, Scott’s responsibilities include day-to-day support such as helping clients with billing, claims, and eligibility, and HRIS system issues. He also assists the Account Executives with quoting, creating employee communication materials, and preparing for open enrollment meetings. Scott's free time is spent traveling, golfing, hiking, or enjoying a nice long backpacking adventure with his fiancée Tina and dog Noel.