Scott Rappoport

CEO

Scott Rappoport CLU, ChFC, RHU, CEBS, Chief Executive Officer of Benefit Sources & Solutions has been working with employers and individuals since 1984 to meet their employee benefit and financial needs.

Scott earned a bachelors degree in Economics and Finance at Rutgers College in New Brunswick, New Jersey, and attended professional education programs at the American College and Northeastern University. He is a Chartered Life Underwriter (CLU), a Chartered Financial Consultant (ChFC), and a Registered Health Underwriter (RHU).

In 1997, Scott earned the Certified Employee Benefits Specialist (CEBS) degree from the Wharton School of Business of Pennsylvania. This distinguishes him within a very small community of Certified Employee Benefit Specialists working as private practitioners. It is this unique commitment to technical expertise and exceptional service that ensures a high level of satisfaction among Benefit Sources & Solutions clients.

A prominent speaker and writer, Scott is a regular lecturer on Employee Benefits and Financial Services for various business and professional groups, including licensed insurance agents. Scott has appeared on a variety of television shows such as CNBC, The Money Club, News Center 4, The Today Show and Live at 5. Scott's commitment to the business community was recognized when the Somerset County Chamber of Commerce named him Outstanding Business Person of the Year in 1995.

Active in professional and civic organizations, Scott is on the Board of Directors of the Somerset County Business Partnership. He has served on the board of trustees of Temple Sholom in Bridgewater and has served as an Officer or Director of the National Association of Health Underwriters, the National Association of Life Underwriters, the National Association of CLU, ChFC and Sigma Phi Epsilon Fraternity. Currently, Scott spends much of his free time coaching youth sports.

Scott is an Eagle Scout and continues to support the Boy Scouts of America. A Philadelphia native, he lives in Warren Township, New Jersey with his children Jason, Jackie and Jared.

Howard Stolzer

Executive Vice President

Howard Stolzer, CEBS, Executive Vice President, has been a business owner, consultant, and group benefits professional for several years and a licensed insurance agent since 1986. Howard’s background includes a Certified Employee Benefit Specialist Designation (CEBS) from a joint program of the International Foundation of Employee Benefit Plans and the Wharton School of Business.

He also holds a Masters of Business Administration degree in General Management from the Crummer Graduate School of Business at Rollins College in Winter Park, Florida, and was graduated from Boston's prestigious Berklee College of Music, where he earned a Bachelor of Music degree in Audio Engineering and Music Production.

As Vice President of Benefit Sources & Solutions, Howard manages portfolio operations of the firm’s registered investment advisory area. He is actively involved in portfolio strategy, daily operations and trading, and serves as Chief Compliance Officer for the firm.
His other responsibilities include analyzing benefit programs for new and existing clients and drafting and writing proposals. An expert in business technology and management, Howard has designed and implemented the Benefit Sources and Solutions computer network and information systems. He is also an experienced financial modeler and software developer.

Howard's background also includes stage and production experience with The Count Basie Band, Al Jarreau, The Spinners, and other well known artists.

Howard lives in Basking Ridge with his wife Donna and son Ean.

Stephan M. Stenger

Vice President

Stephan M. Stenger, Vice President, Benefit Sources & Solutions, has been in the insurance industry for over 20 years, helping to meet the diverse needs of the public sector, private companies and individuals.

Prior to joining Benefit Sources & Solutions, Stephan was Assistant Vice President, Commerce National Insurance Services, where he served as manager of the company’s Northern New Jersey group insurance sales office in Randolph. As a broker and manager for group accounts with up to 2,000 employees, he consulted on benefit strategies and was responsible for the design, implementation and administration of insurance products. Stephan’s primary focus is the coordination of benefits programs within a total compensation package, considering the employer’s needs, goals and objectives. Stephan’s approach to client relationships can best be described as superior service combined with technical expertise and professionalism.

Prior to his tenure with Commerce, Stephan was a top-producing Sales Representative for Horizon Blue Cross Blue Shield of New Jersey and a Liberty Lamplighter Award winner for Liberty Mutual Insurance.

A graduate of the College of Misericordia in Dallas, PA, where he earned a B.S. in Business Administration, Stephan is currently pursuing the Registered Health Underwriter (R.H.U.) designation from the American College. He is a member of the National Association of Health Underwriters and has served on various insurance agency councils and associations. Stephan is a licensed producer for life, health, property and casualty insurance.

Stephan is a volunteer with the Long Valley Little League, where he serves as a coach and umpire coordinator for baseball, basketball and soccer. He is an active member at St. Mark’s Church of Long Valley, where he also volunteers for various activities.

Stephan resides in Long Valley with his wife Cathy and three children, Eric, Kurt and Holly.

Raj Gupta

Director of Business Development

Raj Gupta, CLTC, is a seasoned insurance specialist with 17 years of experience in the financial and insurance marketplace. He has held sales, advisory and training positions with Genworth Financial, LTC Incorporated and Merrill Lynch & Co., Inc. For the past two years, he has consulted with and advised financial and insurance professionals from some of America’s largest and most respected investment firms, including Smith Barney, Edward Jones, Morgan Stanley, A.G. Edwards and Bank of America, on all facets of long-term care planning and related health benefit programs. This background is a tremendous asset in providing Benefit Sources & Solutions clients with a high level of service in managing their individualized benefit plans.

Mr. Gupta is a licensed life and health insurance agent in New Jersey and New York. He holds a bachelor’s degree in business and a minor in marketing from the University of Massachusetts, Amherst. Raj and his wife live in Ringwood with their two children.;

Valerie Veith

Office Manager

Valerie Veith joined Benefit Sources & Solutions nearly 10 years ago, following a 5-year career in the financial services industry. She rapidly advanced to the position of office manager here as a result of her ability to provide exceptional client service. She is responsible for managing the day to day activities of Benefit Sources & Solutions. Her responsibilities include office and client service management, proposal analysis, vendor relations and accounts receivables.

Valerie earned her Associates Degree from Middlesex County College. She resides in Middlesex with her two dogs, and enjoys volunteering and traveling.

Carol Lelo

Account Manager

With over 20 years in the insurance industry, Carol joined Benefit Sources & Solutions as an Account Manager at its inception in January, 1997. Previously, she worked as a sales and service associate for a top-rated insurance company.

Carol attended Clarion University in Western Pennsylvania and continues to complete continuing education courses in her field.

Carol and her husband, Brian, reside Lake Placid, NY, where she is active in community organizations including Friends of Animals and the Lake Placid Center for the Arts. She enjoys skiing, hiking and bicycling.

Kate Kenyon

Account Manager

Kate Kenyon joined Benefit Sources & Solutions with an in depth knowledge of employee benefit plans.   With the majority of her experience being from a General Agency, she brings to us a new perspective and has become an asset to the department. She offers reliable, consistent customer service involving enrollments and claims assistance, assessment of benefit and carrier options, proposal requests and presentations. Kate lives in Plainsboro, NJ with her two cats and enjoys reading, running and yoga.

Director of Qualified Plans

Eliza Davino has extensive experience in the Defined Contribution Retirement Plan industry. She works on all aspects of retirement plan design, regulatory and consulting issues. She specializes in using plan design to maximize the benefits of retirement plans to meet the diverse goals and objectives of her client accounts. Eliza’s strong commitment to providing outstanding client service is evident in her day to day activities.

Prior to joining Benefit Sources & Solutions, Eliza worked in the Compliance Department at Merrill Lynch. She also worked for a TPA providing full Plan Administration servicing small to mid-size retirement plans. Eliza has completed her certificate program for the Retirement Plan Fundamentals for American Society of Pension Professionals & Actuaries and is currently working towards her Qualified 401(k) Administrator designation. Eliza holds a Bachelor’s Degree from Rutgers University in New Brunswick, NJ. She resides in Monroe, NJ with her fiancée and two dogs.

Douglas C. Belden, Employee Benefit Advisor, has spent over 25 years in the employee benefits business with industry leaders such as UNUM, Liberty Mutual and MetLife. He excels in cultivating relationships and strives to understand the unique needs of each organization he serves. This approach has allowed Doug to gain experience in delivering customized solutions to employee benefits with organizations of all types, from small privately held businesses to Fortune 500 companies.

Prior to joining BS&S in 2009, Doug built a client base within a northern New Jersey agency which focused on benefits risk management, HR solutions and expertise in Consumer Directed Health Plans (CDHP). Cost control through education, communication, access and responsiveness are the cornerstones of his commitment for delivering value for his clients and their employees.

Doug is active in the Society for Human Resource Managers (SHRM), has provided continuing education for HR professionals on CDHP at PACE University in NYC. He serves his community as a member of the Insurance Review Committee for the Township of Cranford. Doug earned a B.A. in economics from Bowdoin College in Maine. Originally from Connecticut, Doug has resided in Cranford, NJ with his wife Betsy since 1984. They have three children, Laura, Tom and Sarah.

Administrative Assistant

Barbara Marsicano joined Benefit Sources & Solutions following a 20 year career with AT&T as an Administrative Assistant. Barbara coordinates many of our client communication initiatives and assists our sales team with client tracking and preparation of proposals. Her responsibilities also include handling the phones, greeting clients and ensuring that our office runs smoothly and efficiently. Barbara earned her Master’s Degree from the University of Phoenix in Human Resources. She resides in Manville with her daughter, Alina.