Jim has been a Licensed Life and Health Agent since 2009. He has active licenses in California and Texas. Jim has been a Medicare agent for 4 years. His favorite part of his jobs is helping others.

As an agent, Jim can walk his clients through the different parts of Medicare, and what their options are for coverage. By going through the items that are important to his clients – doctors, specific health concerns, prescription medications, travel or living in different areas of the state or country, etc. – he can help his clients confidently make the choice of the most appropriate plan to meet their needs.

Bridlewood Agent

Amber Ramirez was born and raised in Ramona, which is where her office is located. Amber’s stepfather opened the agency alongside her mother in 1971, and the family owned and run agency has been on the same street corner for 54 years.

In 2004, when Amber first started out as a Farmers agent, she started with zero policies while her mother had about 800. In 2006, her mother fully retired and Amber purchased the agency. Since taking it over, Amber has more than doubled the size of her number of clients, with 800 policies having grown into about 2,500.  Amber attributes a lot of that success and growth to the marketing and networking that she does in the community. Amber has been a Chamber Director for 15 years and she has been part of the Ramona Rotary Club since 2005, along with being the president of Rotary in 2013-2014.  Amber understands the importance of community and knows that Ramonans has never failed to support one another. That is one thing she loves – helping so many people in her own hometown.[/read_more]

Tina received her Bachelor’s Degree in Psychology from California Baptist University, and holds a California Real Estate license and Insurance license.  She has been involved in real estate for almost two decades, and has worked in Medicare for more than 5 years, specializing in Medicare Advantage, PDP and Supplement plans.  She joined Bridlewood when she discovered they mirrored her values and work ethic.  She believes the most important part of life, is people loving people.  She enjoys becoming friends with her client and building a life-long relationship based on trust.  Tina feels honored that they trust her and allow her to help them with the health insurance needs.

Born in Oklahoma, Tina moved to California from Missouri in 1997.  She currently resides in Riverside, CA with her two daughters, Rhianon (26) and Allina (19).  Tina loves volunteering in her community, traveling and serving in her church.

Cindy is passionate about providing education to Medicare recipients in Southern California, breaking down often complicated and overwhelming information into smaller, easier-to-understand modules. She enjoys staying connected with her clients and becoming your ally on your Medicare journey as well as your primary point of contact for all your Medicare questions.

Cindy received her Bachelor’s Degree in International Business and Marketing from California State University Long Beach. She is passionate about helping people protect their greatest assets – their health and financial wellbeing. For more than two decades, Cindy has worked in a variety of roles with nonprofits and foundations dedicated to enabling individuals and communities to thrive at different stages in their lives, which included helping people earn college degrees, become entrepreneurs, and achieve the dream of homeownership.

Cindy became a fully-licensed life and health insurance agent with a focus on providing education and awareness about complicated insurance options so that Medicare recipients can make an informed decision about which plan is best for their unique needs. As a native Spanish speaker, Cindy served as First American Corporation’s spokesperson and Public Relations contact for Spanish-language media. She also managed FAC’s homeownership foundation, serving as the primary point of contact for nonprofit partners.

She has been married to her husband Carlos for almost 20 years, has 3 daughters and one dog. Cindy loves the outdoors, whether it be hiking, at the beach, or in the mountains, nature is her zen place. She also loves to travel and prefers to not visit the same place twice to provide her daughters with a broader view of the world.

Sergio holds a Bachelors degree in Business Administration. He has worked for over 20 year’s in the Financial Services industry, the last six years have been working exclusively in Medicare insurance. During his tenure, Sergio earned the Gold Club award for production his first year in the insurance industry. Because of his high production numbers, he has been invited to participate in achievement level conferences in Dallas, Las Vegas and Phoenix. He also was promoted to an Agent Manager position in 2017, where he has developed a highly-trained, caring team of Medicare professionals.

Sergio offers all Medicare plans types – Supplements, Advantage plans and Prescription Drug plans – but his specialty are Medi/Medi plans, designed for those individuals in who have both Medicare and Medicaid (Medi-Cal). He began his career with Bridlewood several years ago, and the partnership has solidified his commitment to serving primarily the Medicare market. Bridlewood’s initiative and resources help his client have a great experience. Sergio loves placing clients in the best plan possible, while answering all their questions and getting to learn about their lives.

Being born and raised in sunny Southern California, Sergio has served in both the Navy and Air Force, for a total of nine years. He enjoys the outdoors and loves spending time with family.

Cynthia has her Bachelor of Science degree in Biochemistry and Biology. She planned on going into medicine, but decided that raising her children was more important. She has been serving people since her very first job, tutoring fellow students in junior high.  Cynthia became a licensed insurance agent in 2010. Her early years were spent selling final expense insurance, where she built a large client base of wonderful people.  Cynthia transitioned to health and Medicare products about 4 years ago. Her specialty is Medicare Advantage plans; she offers other products as well. She is contracted with all the major companies and some local ones, also. She is new to Bridlewood Insurance, and believes the company reflects her desire to serve clients with excellence.

Cynthia has a passion for helping people find the right product, save money and serve their best interests. She enjoys regular contact with her clients and is available to answer plan related questions throughout the year.  “In Medicare, annual reviews do not mean taking more money out of the household the way life insurance products do. Life insurance is essential and loved ones benefit from the decision to buy it. However, there are no immediate financial benefits to it. Medicare Advantage plans, when properly recommended, save clients money immediately. It is a joy to help clients achieve the results they need from their health plan.”

Born and raised in California’s Inland Empire, Cynthia lives just a few miles from the house her grandparents built in the 1940s. She has 3 grown children, who are
her pride and joy. She doesn’t mind saying she sometimes lives vicariously through them! Her oldest son is a mental health attorney, her daughter is in the navy, and her youngest son, a former Peace Corps volunteer, works for the US Department of Fish and Wildlife. No parent could be more proud. Cynthia has pets, enjoys gardening, and works on projects in her home. She is a “Jane of All Trades, Mistress of None!” She plays the piano and violin and enjoys international travel. She likes to snorkel and is getting her scuba diving certification.

Medicare Agent

Janis partnered with Bridlewood in 2016 and has over 18 years of experience in the insurance industry.

Janis has a passion for helping others. Her heart is dedicated to helping seniors understand Medicare and their options.  Doing what is best for her clients is what she is committed to in this industry. Her intention, integrity, and passion comes from raising her special needs son.
Besides her 18-year-old son, Janis has three daughters and one granddaughter.  Her oldest is daughter is 29 years old, and her youngest are 16-year-old identical twins.  Janis loves living an active and healthy lifestyle.  She enjoys the beach, running, hiking, cycling, being outdoors, and, most of all, spending time with her children.

Valerie received her Bachelor of Science degree from the University of Redlands.  She has spent 31 years working in upper management for the United States Postal Service. As she is getting closer to retiring from the USPS, she decided she wanted to find a new job to fill her days, and since she enjoys working with people of all ages, but especially seniors, she decided to get her Insurance license and become a Medicare agent.  Val heard a lot of positive things about Bridlewood Insurance which led her to begin her journey with them.  She is eager to build lasting relationships with her clients, as she helps guide them through Medicare and their choices for supplemental insurance.

Val is originally from Santa Monica.  She then moved to Thousand Oaks for her High School years, and then came to San Diego for college. She and her husband, John, lived in Poway for 18 years and then Rancho Bernardo for a short time, before moving to Escondido in 2018.  She and John were  married in 1986 and have 2 children Amanda and Matt and their dogs Stella and Molly. When she has time off, you can find Val in her garden, or enjoying scrapbooking and other various crafts.

Medicare Agent

Clara was born in Panama and is married to Vicente Gill, also of Panama and USN Retired. We are active members of Mission Hills Church, in San Marcos, CA. My husband and I have two adult sons and four beautiful grandchildren. My granddaughters enjoy tea parties, and my grandsons enjoy exploring the backyard. I enjoy reading, gardening, travel, and spending precious time with our grands. I am fluent in English and Spanish. My favorite TV shows are anything HGTV and The Good Doctor. I have a Bachelor of Arts degree in Business Administration.

Over the past 25 years, I’ve worked in mortgage servicing and retail banking, and since 1999, in financial services. I focus on retirement strategies, and maximizing the financial component of “quality of life” in retirement.
Although health coverage was an important part of my practice, I referred my clients for their Medicare needs. Today I see the value of helping senior adults obtain the right coverage at any age because Medicare is an important part of that “quality of life” in retirement, and an important service for me to provide.

My clients have come to expect warm personal attention, and professional, suitable advice. My desire is to give independent and unbiased recommendations, make available a variety of products, and provide the best service possible. My greatest satisfaction comes from the success of each client and the long-term relationship we develop.