Michael has his Bachelor of Science degree from Lutheran University.  He focuses solely on Medicare and educating seniors about Medicare.

Jeff was born and raised in St. Helens and graduated from St. Helens High School and currently lives in Warren, Oregon. He received his Bachelor’s degree in Business Administration from Oregon State University in 1999. He has 21 years of experience in providing Investment, Insurance, and Retirement advice to his community. He has been a Certified Financial Planner since 2004 and also got his Life and Health Insurance that same year.  

In 2021, Jeff was introduced to Bridlewood Insurance. He really admired the business process because of putting clients first and focusing on giving them all the assistance they need with their Medicare. Jeff loves helping clients in all aspects of retirement. Other than assisting seniors with their Financial Services, being able to assist with their Medicare is just another great addition to Schultz Financial Services. 

Jeff has been married to his wife Leanna for 13 years and they have a 10-year-old daughter named Olivia. He likes to spend time with his family and pets when he has free time. Living on 5 acres, he likes to upkeep the gardening and woodworking of his home. When not attending to the home improvement, he really enjoys the outdoors and that involves hiking, fishing, kayaking, and going to the beach. 

Elizabeth attended the University of the East – Manila, Philippines, with a Bachelor of Science degree in Business Administration, with a major in Management.  She also studied business and finance at Napa Valley College.  She has been an insurance agent for New York Life Insurance since 2011.  Elizabeth has been a Consistent Council Agent for the past 7 years, and was awarded the Centurion Leader for consistently writing 80-120 policies per year.  She has also held positions at Comcast as a Direct Sales Rep, at Remax Gold as a realtor, at SBC Yellow Pages as an outside sales rep, as well as being a distributor for Neolife International, where she reached the coveted World Team Director level multiple times.

Recently, Elizabeth decided to expand her portfolio of products to include Medicare . . . Supplement plans, Prescription Drug plans and Advantage plans.  She joined Bridlewood and enjoys the good working business relationship she has with them.  She thoroughly enjoys what she does – making a positive impact in people’s lives in any way she can.  It is her mission to help people in the areas of Health and Wealth.

Elizabeth has lived in the Elk Grove/Sacremento are for more than 15 years, and before that she resided in the Bay area.  She and her husband, David, have been married for 42 years, and they have 3 grown children, and 9 grandchildren.  They love to travel, both in the US and abroad, and actively serve in their Church and community.  Also, Elizabeth loves to cook for her family, especially her grandkids.

Michael Hernandez came to Bridlewood Insurance because he was looking for a premier Medicare Insurance Agency.

He enjoys relating to and serving senior citizens. As a California Department of Insurance licensed agent, he has the opportunity to provide Medicare insurance plans to his clients. He especially looks forward to serving clients who have reached their golden years–providing them the best care possible through Medicare insurance plans that benefit them.

Areas of specialty within the Medicare insurance area:

–Medicare Advantage Plans
–Medicare Supplement Plans
–Medicare Drug Plans

Michael is a lifelong California resident and a senior citizen who benefits from Medicare insurance himself. He was born in Victorville (the High Desert) in San Bernardino County, but has lived in Los Angeles and Ventura County (Southern California counties). He now makes his home in Shasta County (a Northern California county between Sacramento and the Oregon border).

Michael is married to a wonderful lady, Jeanette. She homeschooled their four children before embarking on a public school teaching career as an English/History teacher.
She now works in customer service for Blue Shield Insurance Company of California. They have been married for over 35 years, and their adult children have provided them with three amazing grandchildren (two girls and a boy).

Being a former journalist, Michael loves writing stories (he has written hundreds of published stories) and also enjoys camping and spending time with family and church events or outings. He likes supporting elected officials who represent the local communities they serve.

My initial passion for helping people first began when I became a Physical Therapist over 25 years ago. Working directly with patients, it became apparent to me that many of my clients were struggling to understand their insurance, how it worked, and often they were on the wrong plan for their care needs. This often resulted in a decreased quality of care and an increased out-of-pocket expense to them.

Therefore, it was a natural decision for me to start my own insurance agency. The passion and innate sense of advocacy I experienced as a Physical Therapist is what encompasses my insurance business. It is at the heart of how I approach each client’s needs. Together we will work to find a solution that is always best for you. Once you choose your plan I will be right there every step of the way now and in the future.

Terresa grew up in the San Francisco Bay area and have lived in San Diego area and Temecula for most of my adult life. She has lived in Southern Oregon the last three years and loves it. She received her BA Physical Education from Azusa Pacific University and her Master’s Degree in Sport Management from San Jose State University.

One of her very first jobs was in insurance and she is excited to get back into the insurance field. She looks forward to helping folks gain knowledge and understanding of Medicare in order to make the best Medicare decision for themselves.

Terresa truly enjoys helping people understand all the facets of Medicare. By educating them all their options, they are able to make the best decision for their healthcare.

Terresa and her husband David Park are college sweethearts and have been together ever since, nearly 25 years married. They have three children all in college and living out of state. They may be empty nesters with all their kids away from home, but they are enjoying the other members of their family that are still home. They have a dog, 2 cats, and several chickens.

Terresa enjoys spending time with her extended family who lives in the area, she enjoys hiking and exploring Southern Oregon, and has recently began playing pickleball.

With a degree in Biology, David has always been curious about how complex systems work. “It can always be a daunting endeavor when one first sets out to understand complex systems and how to conceptualize, and navigate through them . . . . but that’s what make me tick, it just speaks to me”.  He first became a licensed insurance agent in 1996, at a time when he had a bit more hair, and it was a vastly different environment – we had the yellow pages and dial up modems, and the internet was just for browsing.  What a change!  David believes that even with all of the information at our fingertips these days, the challenge is not getting access to the information, the challenge is understanding it.  He gets excited about teaching folks the basics of how medicare works, so they can have the confidence to make the right choice for themselves.  He says Bridlewood has long been dedicated to supporting people like himself. Regular agents who are passionate about helping seniors understand their health options. The choice to be affiliated with Bridlewood has always been a clear and obvious one. No one does it better than Bridlewood!  Without a doubt, the favorite part of his job is the look on the face of someone who is beginning to understand Medicare for the fist time – it is priceless!  It’s like a lightbulb just went off in their head and a shroud of confusion has been lifted.  To him that’s what it is all about.  That’s when he knows, all is right with the world and he is doing something special.

David grew up in San Diego, a beautiful place. But nothing can compare to the beauty of southern Oregon, with its deep green trees, turbulent rivers, and majestic geography. He and his wife, Tesa, met in college. She was an athlete, so they had a lot in common. After some years of dating, they decided to get married and start a family.  Three kids later, and she is still putting up with him, after all these years.  David’s father kept bees, and he wanted to continue a family tradition. He never knew that the hobby would grab a hold of him to the extent it has.  Bees are complicated, and simple, they are so predictable and also confounding, they are frustrating and satisfying. Yup they are just about perfect.

Ana has her CLU (Chartered Life Underwriter) designation, as well as her LUTCF (Life Underwrite Training Council Fellow) designation, along with multiple licenses, such as her Series 6 & 7, her 63, 65 and 53.

Ana and her husband, Cesar, have 3 children and 2 grandkids.  In her spare time you can probably find Ana golfing or hiking.

Janet received her Bachelor’s Degree in Political Science from San Diego State University.  She has held various jobs including Private Banker with Chase bank, a mobile Notary Public, and most recently as an Insurance Broker.  Her areas of specialty are Medicare/Medicaid, Medicare Supplement plans, Advantage plans and Prescription Drug plans.  During her time working for Chase Bank, she was able to acquire her Life Insurance license.  Her friend, Maria Sherwood (who is also an excellent agent for Bridlewood), had already joined Bridlewood the previous year and told Janet what a great team of agents they had, so she decided to join Bridlewood also. She was a stay at home mom back then, and thought it was the perfect fit for her to work with her schedule. Janet likes helping people by educating them on important and essential subjects, and Medicare offered her plenty of opportunity to do just that.  In 2019 she moved to Maui, which gave her an opportunity to help more people in different states. She currently helps clients in California, Hawaii, Oregon and Arizona. Knowing how confusing Medicare can be and how many options people have, she really enjoys researching all the plans available to them, and then guiding them to the plan which will be the best suited for them. It is definitely not a one size fits all.

Originally from San Diego, specifically from the suburb of Chula Vista, she lived most of the first 15 years of her life in Tijuana, Mexico. Living by the border gave her a different perspective, and she believes she is able to adapt very quick to change due to this experience. I consider my self not only Bilingual, but Bicultural.  She now lives in Maui, Hawaii due to her husband German’s job, but she still services San Diego clients as well. Janet and German have been together for almost 18 years, and they have a beautiful, intelligent daughter who is 7 years old. They also have a fur daughter a.k.a. a dog, who’s name is Lola, whom they adopted when she was 6.  Some of her favorite pastimes are listening to podcast and audiobooks, because she loves learning something new. Janet also likes skating and walking, especially on nature trails.  Since moving to Maui, she now enjoys going to the beach and seeing the sunset with her family, and really taking in the little things in life.