Congratulations! These licensed Medicare agents serve your local area.
Carmen Calderon

• Bilingual • Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Medi-Medi

Carmen attended college with a major in accounting.  She has also been a legal secretary, and in 1996 became a licensed Life Insurance, and more recently a licensed Medicare Agent.  Carmen also works as a Family Service Counselor at a local Funeral Home, assisting families with making final arrangements for their loved one.  She loves working with people in need of her services, and Medicare seemed like the perfect fit.  She treats her clients the way she would like to be treated, with patience, respect and compassion.  Carmen also likes to empower her clients with knowledge, so that they can confidently make an informed decision about their healthcare.  She started her career with Bridlewood because she loves the knowledgeable, positive, helpful people there.  Because Carmen is bilingual, she is uniquely qualified to assist a very underserviced group of people – latino seniors.

Originally from Mexico, Carmen has resided in Chula Vista, California for 50 years.  She is divorced and has two beautiful daughters and seven grandchildren.  She also has two female Yorkie terriers.  She loves going for long walks, sewing and crochet.

Chula Vista, CA 3610.2 mi

Kenneth Gallagher

• Financial Planning • Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Life • Long Term Care

Ken has his Bachelors of Science in Finance, Real Estate, and Law from Cal Poly Pomona and graduated in 2002.  While in college, he had an internship with Merrill Lynch and Northwestern Mutual.  After graduating, he accepted a full time position at Northwestern Mutual insurance company.  He assists his clients will comprehensive financial planning, after listening and determining what is most important to them.  He began assisting individuals with understanding Medicare – the rules, the benefits, timelines and how to enroll.  Once enrolled in Medicare, he is then able to educate them about Medicare Supplement plans (a.k.a. Medi-Gap plans) that work with stand-alone Prescription Drug plans (Part D) and also Medicare Advantage plans (Part C).

Helping clients understand the piles of mail they have received since about 8 months before they turned 65, his favorite response from his clients after spending about 15 minutes discussing Medicare is, “I’ve learned more from you in the last few minutes, than in all the reading and research I have done on my own!”  He takes great pleasure in saving clients money by changing their plan to one that may have better and more benefits at a lower cost. Ken currently lives in Chino Hills and has called Chino Hills home since 2009.  He also has an office in Anaheim Hills and a secondary office he can use in Newport Beach.  He was born in Fullerton, CA and grew up in Placentia, CA.  Ken met his wife while attending school at Cal Poly Pomona, and they have a 10 year old daughter.  He enjoys golf, reading the Wall Street Journal and spending time with his family.  His daughter is still at the age where she wants to be around him and like to play rough.  She is getting big and it is starting to hurt!

Chino Hills, CA 3610.4 mi

Hannah Hubbard

Hannah attended Cal Poly San Luis  Obispo.  She has worked for the past several years in the Health Insurance industry.  She really enjoys working with seniors, to help them navigate the complicated Medicare system, and helping them find the best plan for their personal situation.

Hannah grew up in San Diego, and currently resides in Solana Beach.  She loves beach volleyball, surfing and yoga.

Solana Beach, CA 3610.5 mi

Rachelle Hildebrand

• Covered California • Health • Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Medi-Medi

Rachelle is a proud graduate of Granite Hills High School, class of 2000!  She then went on to attend junior college for a few years to complete her general education requirements.  She met her future husband, Kyle, and when he asked her to marry him, she finished out her year of school and they were married.  She then went on to work for her father-in-law for 3 years, helping him in his office supply business.  After that she worked for a label manufacturer for about 10 years, before deciding to be a stay at home mom to her daughters.

With the help of her father-in-law, Kent, she decided to jump into the Medicare and Health Insurance field because of the flexible hours and the desire to help people.  Rachelle has been assisting people navigate the Medicare maze for 3 amazing years now.  She has her licenses in multiple states, and thoroughly enjoys educating people on their Medicare choices such as Medicare Advantage, Supplement and Prescription Drug plans, and helping those people with both Medicare and Medicaid (Medi-Cal).  Since both Kent and his wife, Deina, were already with Bridlewood Insurance, and loved the great atmosphere and support they received, they recommended Rachelle join them as an agent at Bridlewood.  She loves that she gets to help people understand a difficult subject, and at the same time keeps them “in the know” and making sure they’re healthy and happy.

Rachelle grew up in East County San Diego and has lived there all her life.  She and her husband Kyle have been married for 18 years, and they have two beautiful girls, who are 12 and 9.  They did live on a little hobby farm with almost 50 animals, but recently moved from there with one of the animals, their beloved dog, Red. Rachelle enjoys running and has participated in the “Triple Crown” – which is 3 half marathons in one year.  She medaled in each of the three marathons, and received a special medal for completing all 3 in the same year.  Since COVID, she has been exercising at home and take long runs with Red.

San Diego, CA 3610.5 mi

Stewart Duncan

• Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Medi-Medi

Stewart has a BA in Communications Design from California State University, Chico.  He has built his career in marketing and advertising for 20 years, having built up brands and companies including Nature’s Agave and Thinkbig Marketing.  He was sidelined by cancer almost 4 years ago. Fighting it became my full time job. Immersed in the managed health care system, dealing with insurance that placed him with different network specialists, and piles of bills or “EOB’s” that never made sense, he became very frustrated. From this experience, Stewart decided to dedicate himself to helping simplify Medicare for seniors, and advocating solutions available for little or no cost.  His focus is on Medicare Advantage and Supplement plans.

After speaking with a Bridlewood Agent, Cathy Wilkerson, about becoming an insurance producer, she spoke so highly of Bridlewood and the opportunities offered to its agents, that Stewart knew he had found the right agency to work with.  His favorite part of his job is connecting with seniors who may or may not be tech savvy, and truly finding a plan that meets their medical needs. That’s why he became an agent, to help demystify Medicare plans to those who rely upon the program for their future healthcare coverage.

Stewart grew up in Northern California in the town of Danville. After graduating college in Chico, he decided that Southern California was where he wanted to be. So he moved to Hermosa Beach, and worked for many years for Paramount Pictures Studio. That’s when he met his wife, Julia.  They have been married 27 years, and have 2 children, ages 23 and 21. Both kids are out of the house, so they are empty nesters!  For fun Stewart enjoys surfing, golf, fishing and hiking.

Encinitas, CA 3610.7 mi

James Fogelstrom

• Final Expense • Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Medi-Medi

James has a Bachelor of Science degree from Arizona State University.  After a long career, James decided to focus on selling Medicare.  His specialties are Medicare Supplement and Advantage plans, as well as Prescription Drug plans.  He came to work for Bridlewood Insurance because of their excellence among their peers as an organization that helps their agents learn and train to be the best in their field.  He also really likes their great management team that is always supportive and very accessible.  James loves helping new people, especially seniors that are new to Medicare and maybe feeling overwhelmed.  He enjoys educating them and assisting them in finding the best coverage that meets all their requirements and needs.

James was born and raised in California, and lived in quite a number of Southern California cities before settling in San Diego.  He and his wife, Nancy, have been married for over 30 years and have two daughters, Katie (26) and Megan (24).  Katie is a civilian, working with the Navy, training dolphins.  Megan is a nurse in Arizona.  Steve’s favorite pastimes are spending time with his wife and daughters, usually doing outside activities.  They enjoy any and all kinds of musical concerts, and short “staycations” to local towns and parks.

Oceanside, CA 3610.9 mi

Larry Acker

• Final Expense • Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Medi-Medi • Life

Mr. Larry Acker was born in Buffalo New York, and is now living in Carlsbad, CA by the ocean with his spouse Rose Mary. They have been married for 44 years and have three sons, two daughters, six grandchildren and a cat named Midnight. In his free time, Larry loves to got to the gym, bike Race, is in a band of brothers and even has Saturday morning bible study. He is an American and respects the flag and those who defend it. Larry attended Dale Carneige college in New York City where he took courses towards associates in management training. He has 43 years of experience in a top sales branch in Buffalo New York where he was the top producer in New York State.

Larry has also Hired and trained Medicare agents for 20 years. Many of them are currently sales managers and branch owners. After meeting Jeff, Larry states that he knew Jeff is consumer conscientious, honest and a great leader, so from then on he decided to work with him. Larry also states that “In the five years that I have been with Bridlewood, Jeff has never disappointed me.”

Larry loves working with people. He likes to do for his client’s what no other salesman would! He likes to provide great service and accessibility for his clients. Larry’s philosophy he says is Jeff’s cliché “The first one to the table wins.”

Carlsbad, CA 3611.3 mi

Jim Mumper

• Auto • Bilingual • Covered California • Final Expense • Health • Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans • Medi-Medi • Life • Long Term Care

Medicare Agent


Jim enjoys working as a Bridlewood agent specializing in Medicare and other products for the Senior market. A natural “people person”, he enjoys meeting with people in their homes and helping them find a solution that works best for them. Many Seniors who are aging into Medicare, experience this as a time of confusion and one of “information overload”. Jim’s approach to this overload is to demystify Medicare through a short, well prepared presentation of the options available to the Medicare recipient.

Born and raised in Santa Monica / West Los Angeles, Jim started his adult life by entering military service in the US Air Force the day after turning 18, receiving an Honorable Discharge 4 years later. He continued his career as an aircraft technician over the following several years working as a Department of Defense employee. Eventually, he moved overseas living and working in several different nations, finding his life partner some years later in Sweden. When his two sons turned 9 and 12, he and his family moved back to his native California, establishing his new home in the city of Oceanside. He worked his first couple of years in the U.S. as a consultant in the Med-tech Industry, helping U.S. companies get their medical devices on the market in Europe. In 2014, he made a career change to the insurance industry. He is licensed in both California and Minnesota, and focuses the largest part of his insurance services on the senior market with Medicare products. He also works with individual and group health insurance, life insurance, travel insurance and annuities.

He and his family love to travel, and he has been to over 50 countries and 4 continents. He speaks 4 languages, English, Chinese Mandarin, Russian and Swedish, although could only claim being fluent in English and Swedish. In 2007 he graduated from University of British Columbia School of Intercultural Studies.

Please feel free to give Jim a call to discuss Medicare options, as well as other insurance services. His services are always at no-cost to the customer.

Carlsbad, CA 3611.3 mi

Apara Kohls

My name is Apara, I joined Bridlewood in 2014 for the opportunity of offering multiple options in the medicare space. I enjoy finding the right fit with plans, doctors, and clients. I was born in Minneapolis, Minnesota, my family moved to the Chicago area, and I came out West for college – never to return to the Midwest! Now, I love living in Carlsbad.

I have a BA degree from San Diego State University and worked as a Tax Accountant for 35 years.









Carlsbad, CA 3611.3 mi

Vickie Braden

• Medicare Advantage • Medicare Supplement • Medicare Prescription Drug Plans

Vickie is a unique blend of Midwestern roots, Southern charm, and contemporary West Coast style and applies this diverse experience to help her clients simplify navigating the Medicare enrollment process and identify the top Medicare insurance plans to supports their specific healthcare needs.

As a proud affiliate of Bridlewood Insurance Services and one of the nearly 10,000 Baby Boomers turning 65 every day, Vickie recognized an urgent need to simplify and redefine the process of transitioning to Medicare and launched New Chapter Insurance.

Focusing and specializing exclusively in this expanding 65+ Medicare market, she is a licensed agent, certified across multiple Medicare providers, including, United Healthcare, SCAN, Anthem Blue Cross, AETNA, HealthNet, Humana, Blue Shield and several others. As a result of these extensive partnerships, she brings insightful and relevant product knowledge, enhanced with firsthand experience to help Baby Boomers successfully navigate Medicare as they move into their next new chapter.

She enjoys living in Carlsbad and incorporates these important keys to a happy life… a sweet dog, a healthy lifestyle, laughter, and great wine!

Carlsbad, CA 3611.3 mi

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