Our Team

Dave joined DMA in 2012 and is the President and Chief Operating Officer. He has more than 35 years of experience working in the employee benefits industry as a broker and consultant and also as a senior sales and service representative with Blue Cross and Blue Shield of Colorado.

Dave has extensive experience in self-funding medical plans and in data analysis. He has worked with plans of all sizes, and on some very large projects, including implementing the Colorado Uninsurable Health Insurance Plan (CUHIP), establishing benefit programs for the first spin-off of a group of federal employees into an ESOP-owned company, and building benefit programs for an acquisition by the largest ski resort in the country.

Dave received his bachelor’s degree with honors majoring in insurance from Drake University, and he is also a Certified Employee Benefit Specialist (CEBS), Chartered Life Underwriter (CLU) and Chartered Property and Casualty Underwriter (CPCU).

Dave and his wife, Vicki enjoy going to the mountains to ski and vacations in Hawaii.

After a brief period consulting for DMA, Teresa joined the firm full time in 2011 to lead the brokerage practice. Teresa has more than 25 years of health care industry experience, including senior leadership roles with UnitedHealthcare and Regence BlueCross and Blue Shield in Utah. At Regence, Teresa was responsible for sales and retention and at UnitedHealthcare, she was in charge of creating large accounts business segments. Teresa also was instrumental in restructuring certain roles and responsibilities at Utah UnitedHealthcare, including separating the sales and account management functions.

DMA clients rely on Teresa to be an information resource and trusted advisor, simplifying the complex health care issues for their consideration and helping them explore their unique options and then settle on a clear plan of action. She also works with the other members of DMA’s leadership team to develop direction and new service areas for the firm.

Teresa graduated with honors from Westminster College with a business management degree. She is on the board of the Utah Association of Health Underwriters. Teresa has her health, life and disability license in 45 states and also holds a consultant’s license.

Teresa lives in Salt Lake City. She enjoys cooking, weight training, yoga and spending time with friends and family.

Valerie Natzke serves as Chief Financial Officer and Vice President of Finance. She has more than 37 years of accounting and finance experience.

Early in her career, Valerie worked for COBE Laboratories’ International Division as the Planning and Finance Manager and Assistant Controller. She was also with MCI Telecommunications serving in various roles including Revenue Analyst, Cost Analyst Supervisor, and Cost Auditor.

Following that, Valerie formed her own small business financial consulting firm and consulted with DMA for two years before accepting the expanded role of DMA’s CFO. As a member of the DMA executive management team, Valerie is responsible for company finances, operations, corporate policies, and the firm’s relationship with lending institutions and external auditors. She leads the Healthcare Provider Contracting Consulting business for DMA as well as supports the Medical Provider Contracting business.

Valerie earned her bachelor’s degree with honors in accounting from Adams State College. She and her husband have been married 32 years and her hobbies include playing ice hockey, skiing, and mountain biking.

John is a graduate of Texas Tech University with a major in Management and a dual minor in Accounting and Finance. He has spent the past 40 years leading Downcourt, Inc., assisting business owners with employee benefits, exit planning strategies, estate planning, and retirement issues. Downcourt and DMA maintain a strategic relationship, collaborating on healthcare coverage matters for the benefit of their respective clients.

John’s clients include US-based organizations and international organizations with operations in the US. He has been recognized as a top practitioner in the financial services industry, consistently ranking in the top 3% of the industry. In 2011, John was named as a Five Star wealth manager by 5280 Magazine and the Denver Business Journal. Subsequently, in 2012, he was named as a Five Star benefits consultant.

John has served on numerous charitable boards including The Food Bank of the Rockies and the Denver Center for the Performing Arts. John is past President of the Glenmoor Country Club in Cherry Hills Village, Colorado.

Matt Sanders has eight years of experience in property and casualty insurance: five years as a captive agent and then three years as an independent agent. As an independent agent, he represents seven carriers, including Safeco and Travelers, two of the top insurance carriers.

Matt knows the importance of putting customers first by tailoring their insurance to their specific needs. In his five years as a captive agent, he had only one product to offer customers, and this made it difficult for him to meet the needs of all the different customers. That’s why Matt decided to become an independent insurance agent. Offering multiple products from multiple carriers helps Matt to work with each individual to see their needs and place them with the best carrier for their situation. Matt builds a relationship with his customers while moving them to the best insurance plans for them. He knows how to listen to his customers, a skill that is key to his success as an insurance agent. Matt has won awards from his carriers for his excellent work saving his customers money.

Matt Sanders graduated from DeVry University in 2010 with a degree in Business Management and as a member of their honor society. Matt used the knowledge he gained at DeVry to run his Allstate agency and he continues to use it to run his K and S Insurance Agency. As owner and agent at K and S Insurance Agency, he oversees all of the day-to-day operations and sales of the agency and remains committed to building custom policies that meet the needs of his customers.

Matt lives in Parker with Mollee, his wife of 18 years, and their 3 sons and 2 daughters. They are an active family with their boys playing Parker Hawks Lacrosse, Football and Baseball and their girls are in dance, gymnastics, and soccer. Matt is active in the community and local LDS Church, and is currently serving as a baseball coach in the Parker Hawks baseball program. In his personal time Matt enjoys playing softball, weightlifting, and dirt biking during yearly trips to Moab Utah. Spending time with his family is his greatest joy and he loves watching them grow and experience new things.

Brenda Bealmear is President of Client Services at DMA, where she is responsible for managing the relationships, renewals, education, compliance and day to day guidance for DMA clients. Brenda also leads the company’s financial services practice and has added a new line of support providing personal guidance for employees to help them achieve their financial goals.

Brenda has 20+ years of insurance industry experience. Prior to joining DMA, she worked with several other broker firms in positions including Senior Account Manager and Client Advocate. She also has expertise on the carrier side, with multiple lines of coverage including medical, dental and worksite voluntary products. She spent 12 years with Mutual of Omaha, initially as an Account Sales/Service Assistant to the National Account Assistant Trainer and then as an Account Executive handling employer renewals and escalated service issues.

Brenda is a Colorado native and a graduate of Colorado State University. She holds her Colorado Health and Life license along with Long Term Care Certification.

Brenda stays busy outside the office keeping up with the activities of her two children and enjoying the Colorado outdoors and a variety of craft hobbies.

Lynn Morphew is Manager of Client Services at DMA and assists clients in developing employee benefit programs and supports with day-to-day policy management.  She brings 16 years of insurance industry experience to DMA. On the carrier side, she worked for UnitedHealthcare in various project management positions in sales, marketing and business operations.  She started her employee benefits career in client management when she moved into the broker segment. Lynn has managed both individual and family benefits, as well as employer groups.

Lynn spent much of her life in California, where she earned her undergraduate degree from the University of California, Santa Barbra and her MBA from the University of California, Irvine.  In addition, she holds her Life and Health license, as well as Property and Casualty License in Colorado.

When she is not at DMA, Lynn's spends her time with her husband, two daughters and doing whatever crafts and activities she can find time to enjoy.  Having lived in multiple
states, she appreciates the beauty of living in Colorado and does not plan to leave, unless her daughters settle elsewhere (fingers crossed they don’t!).

Kelley Bindel is a Registered Nurse and Clinical Nurse Reviewer for DMA. After graduating from Front Range Community College in 2004, Kelley began her career as an RN with Boulder Community Hospital, working in Orthopedics, Neurology, Medical Surgical and Pediatric Trauma. In 2011 Kelley earned her orthopedic nurse certification and in 2013 went on to specialize in post-operative orthopedic care. She then joined the nursing team at Ortho Colorado Hospital.

Kelley believes the best way to care for patients and their families is through a trusting relationship and a holistic approach that includes their body, mind and soul. In the fall of 2016 Kelley joined the DMA team in order to more widely share her expertise within the health coverage industry.

Kelley is a Colorado native and is passionate about giving back to groups that provide support to special needs children, adults and their families. When not providing direct patient care and consulting, Kelley is the busy mom of three children. She and her husband enjoy family game night, the outdoors, and watching movies.

Tyla Evans is an accomplished software engineer with a degree in Computer Science from Brigham Young University and 3 years of industry experience. She has a passion for web, app, and software development. As a consultant for DMA, she keeps the website updated to ensure relevant content as well as providing other technology assistance as required.

In her free time Tyla enjoys gardening, baking with her husband, doing puzzles, playing video games, and crafting. She has 7 different fruit trees which gives her the opportunity to find many delicious ways to preserve the fruit every year. She especially loves making pear sauce (like applesauce but made from pears) and apple butter.

Dr. Terry Sullivan is a medical doctor (M.D.) with 30 years of experience in the healthcare and insurance industries. He has spent most of his career identifying and implementing solutions to improve patient outcomes and reduce healthcare costs.

His experience spans operations and development in the long-term care, rehabilitation, hospital, insurance, pharmaceutical, medical delivery system, public health policy, and corporate health environments. Additionally, Dr. Sullivan served as Chief Medical Consultant for a health software and analytics startup company. He has served as Chief Medical Officer for several innovative health industry organizations, including:

• NEHII (The Nebraska Health Information Exchange), a population health utility that provides IT applications to health care providers across the U.S.
• CareRise Companies, a provider of technology and risk management services to the Long-Term Post-Acute Care continuum
• COMS Interactive (Clinical Outcomes Management Solutions), a software-based clinical care management system that has dramatically improved patient outcomes

Dr. Sullivan has also held significant leadership roles in managed care, insurance, and public health organizations, including:

• Vice President of Enterprise Sales & Managed Care for Golden Living Companies
• Vice President & Chief Medical Officer of HUMANA Senior Products (West and North Regions)
• Chief Medical Officer, PacifiCare of Colorado
• Medical Director, Blue Cross Blue Shield of Colorado
• Medical Director, Colorado Department of Health

EDUCATION

• Georgetown University, Medical Doctor
• University of Michigan, Occupational Health Program
• Georgetown University, Bachelor of Science

Mario Gonzalez is an accomplished professional as the Head of Payor Contracting, boasting an impressive background in effectively managing network health plan operations, hospital-based settings, and ambulatory physician practices. Mario's expertise shines through his demonstrated proficiency in health plan network management and contracting, encompassing a wide spectrum of payment methods including capitation, fee-for-service, pay-for-performance, risk-share, and value-based programs. With a strong history of successfully negotiating intricate provider agreements and influencing health plan payment policies, Mario possesses expert knowledge across product lines, including HMO, PPO, Medicare, Medicaid, Exchange, and government-sponsored plans. His engagement in public policy and advocacy at the State level underscores his commitment to addressing payment and policy matters. Additionally, Mario's skills span financial management, business development, acquisitions, due diligence, medical analysis, project management, medical cost budgeting, strategic planning, and administrative budgeting. He excels in project and personnel management across diverse functional teams within vertically and horizontally integrated delivery systems, showcasing a proven ability to cultivate positive relationships, trust, and collaboration.

Dr. Edward Berman, M.D., MBA, is a neonatologist with over 40 years of experience. His past positions include:

• Senior Medical Director, Colorado Access
• At Pediatrix Medical Group, he served as:
  • Director of Operations, Arizona Region
  • Director of Operations, Colorado Region
  • Director of Pediatric Intensivists, Hospitalists, and Newborn Programs
  • Medical Director of Neonatology
• Physician Reviewer for Neonatology, The Assist Group
• President, Colorado Neonatal Associates, P.C.
• At the Department of Pediatrics / Newborn Medicine, Rose Medical Center, he served as:
  • Medical Director of Newborn Services
  • Interim Chairman
  • Attending Neonatologist
  • Director of Continuing Education
• Assistant Clinical Professor, Department of Pediatrics, University of Colorado Health Sciences Center School of Medicine