Who We Are

The Capital Group, LLC, is an experienced business insurance firm that has evolved over the decades into one of the finest and most accomplished Business and Financial Service providers in the greater Washington, DC metropolitan area.

At The Capital Group, leveraging our expertise to manage client costs is a specialty. We have the experience and proficiency to determine if plans you have in place are as advantageous as those we can obtain on your behalf. Dedicated to the highest standard of performance, our professionals seek to fully understand your needs before delivering solutions that fit today and grow with your tomorrows.

Our team has extensive training in the laws and regulations that apply to employers including the ACA, FMLA, COBRA, HIPAA, and ERISA. These are of paramount importance as we go through the process of developing a program for you. We pride ourselves on little to no client turnover and have invested a great deal in the team that will be assigned to your account.

Our executive leadership represents the past, present, and future of The Captial Group. This team bonds and guides us as we enhance the lives of our clients. Meet the team, and get to know the unique personal and professional backgrounds, perspectives, and experiences of those that come together to serve you.


Joseph A. Apa, Co-Founder and Partner

Joseph Apa, AIF ®

Co-founder and Partner

Joseph Apa is the Co-Founder and Partner at The Capital Group, LLC, President of Government Technology Insurance Company and a board member of the Government Technology Association. Joe has 30 years of proven insurance experience and comprehensive knowledge about Employee Benefits, Commercial Insurance, Risk Management and Financial Planning. He drives sales and the firm’s revenue through consulting, speaking engagements and mentoring new sales representatives. Prior to incorporating The Capital Group, Joe started his insurance career in 1986 as a licensed associate for Mutual of New York. He graduated with a Bachelors of Art degree in Economics from George Mason University in 1986. He has volunteered on the board of directors for MVLE, a non-profit organization for the past 22 years. He also sits on the Board of Directors of the Government Technology Association which strives to bring together IT Government Contractors through idea sharing and networking. Joe is a member of the Broker Advisory Council for CareFirst and has professional affiliations with the National Association of Health Underwriters and the Society of Financial Professionals. Joe resides in Mclean, Virginia with his wife and enjoys outdoor activities including riding his Harley and bicycling.

Kevin FitzPatrick, Co-Founder and Partner

Kevin FitzPatrick

Co-founder and Partner

Kevin FitzPatrick is a Co-Founder and Partner at The Capital Group, and CEO at Government Technology Insurance Company. He is an accomplished insurance professional with over 25 years of experience and is highly knowledgeable in employee benefits, commercial insurance, and financial planning. Kevin is exceptionally proficient at industry forecasting and creative solutions for both clients and the firm. His duties include growing revenues through new business development and driving the marketing side of the firm. Heavily involved in ACA from the onset, Kevin is regularly asked to lecture to Washington D.C. business leaders about Federal Healthcare Reform and how to position their companies post Federal Healthcare Reform. Prior to incorporating The Capital Group, Kevin was a licensed associate for MetLife and Mutual of New York. Kevin is a graduate of New Hampshire’s Saint Anselm College, with a Bachelors of Arts in Economics. He is on the Board of Directors of the National Arthritis Foundation and the Government Technology Association. He is also a member of the Million Dollar Round Table Top of the Table, the National Association of Insurance & Financial Advisors, and the Society of Financial Professionals. As a native Washingtonian, Kevin resides with his family in Chevy Chase, Maryland. He enjoys spending time with his family and boating on the water on the Eastern Shore in Maryland.

Christopher Staub, Partner

Christopher Staub, AIF ®


Chris joined The Capital Group in 2002 and began the Investment Advisory side of the practice. He has 17 years of experience in the financial services industry working with corporations and individuals on investments and financial planning. Chris has built and manages the Investment Advisory department overseeing all services such as: Corporate Retirement Plan Consulting, Corporate Investment Accounts, Executive Benefits, and Individual Financial Planning and Investment Advisory. He is responsible for the investment process and compliance regulations for The Capital Group Investment Advisory Services, and SEC Registered Investment Advisory firm. He is also responsible for Managing Partner duties for the entire firm such as operations and financial oversight. Chris is an Accredited Investment Fiduciary (AIF ®) and acts as a fiduciary on all client accounts and retirement plans at the firm. Chris is a graduate of Mount St. Mary’s University with a Bachelors of Arts Degree in Economics, Finance, and Business Administration. He is a member of the National Association of Insurance and Financial Advisor Association and Million Dollar Roundtable Top of the Table. Chris lives in Laytonsville, Maryland with his wife and four children. He enjoys spending time with his family and is actively involved with his kid’s sports including coaching his son’s little league team, and is an avid golfer.

Andrew Beardall, Esq., General Counsel

Andrew Beardall, Esq.

General Counsel

Mr. Beardall is one of the founding partners of the Government Technology Insurance Company Risk Retention Group (GovTech) and in house General Counsel to The Capital Group. As one of the Founders of GovTech, Mr. Beardall helped develop the IT industry-centric model that was used in creating policies, underwriting guidelines and coverage. His outside legal practice includes acting as advisor to individuals and companies including insurance agencies, political campaigns, non profits, insurance companies, telecommunications companies, restaurants, retail shops, and students. Mr. Beardall has lectured on topics including insurance regulation, the Affordable Care Act, criminal law, commercial law, and personal and professional development to various organizations. Mr. Beardall is a member of the American Bar Association and Maryland State Bar Association. Mr. Beardall is a graduate of the University of Maryland with a degree in Biology, the Uniformed Services University of the Health Sciences with a graduate degree in Neuroscience, and a cum laude graduate of the Columbus School of Law at Catholic University.

Lawrence A. Martinelli

Chief Operating Officer

With over 35 years of senior leadership roles in Operational Management including Human Resource, Employee Benefit, Risk Management and Labor Relations within the Retail, Logistics, Technology, Manufacturing and Defense Contracting sectors, Lawrence A. Martinelli brings an unparalleled wealth of knowledge to his team. A seasoned and effective leader, he has led functions through growth and contraction as our economy has demanded. From strategic program design, financing alternatives, implementation and communications to effective vendor selection and management, Lawrence has a proven track record of bringing the best for less. As a skilled strategist and negotiator of collective bargaining contracts, he has a reputation as being fair and effective with the right balance of providing a competitive total rewards package within the cost parameters established by the company. Lawrence is a member of SHRM, IFEBP and is the former President of the Massachusetts/Rhode Island chapter of the Risk & Insurance Managers Society. He has been a licensed Insurance agent since 1988 as well as a licensed Real Estate Broker in the State of Virginia. Lawrence is an active supporter of Veterans groups in Washington DC area.


Doug Gray, Director, Employee Benefits

Doug Gray

Director, Employee Benefits

Once Doug Gray completed his Master’s Degree in Counseling Psychology at New York University, he began working in employee benefits, handling small international clients. Doug then joined Wells Fargo, primarily working with the defense contractor L-3 Communications, where he earned Rookie of the Year and was an Employee of the Year candidate. Since then Doug has acquired 22 years of experience and his Group Benefits Associate (GBA) designation. Doug prides himself on being a good listener, patient, and empathetic, allowing him to provide clients with a solution when faced with a difficult hurdle. Doug joined TCG in 2015, and has been responsible for managing key client accounts as well as leading the other account team members. He brings strategic planning solutions to his clients’ employee benefit needs, as well as management expertise to both special projects and day-to day issues. Doug has large group experience with top 10 National Insurance agencies, which he is now bringing down to the middle market. Doug assists clients by making sure they are provided a comprehensive solution, he leaves no stone unturned regarding compliance, communications, marketing or financial analysis. When Doug is not working, he is a devoted family man. He coaches his son’s soccer and basketball teams, has tutored students, and is active in Toastmasters International. He enjoys activities that involve him in the larger community.

John Solomon

John Solomon

Director of Retirement Plan Services

John is Director of Retirement Plan Services with The Capital Group. In this role he is responsible for the implementation and execution of a superior client service model in support of the firms Retirement Plan clients. Additionally, John works directly with plans and their employees to ensure that the plan being is being utilized to the maximum benefit of the employees thus enabling them to build a successful pathway to retirement. Prior to joining The Capital Group, John served in numerous leadership and relationship management roles during his 25 year career in the Investment Management industry. During this time he focused on helping Investment Advisors leverage resources and intellectual capital to be more successful. Mr. Solomon is a graduate of the University of Pittsburgh, with a BS in Applied Mathematics, and has also completed courses at The Wharton School of Business as part of their Executive Education program. He holds FINRA series 7 and 66 licenses. His personal passions are his family, cooking and umpiring NCAA baseball.

Nicole Morgan, Director, Benefits Compliance

Nicole Morgan

Director, Benefits Compliance
Nicole works with clients to educate them on the consequences of non-compliance with an array of employee benefits laws. She works closely with producers and account executives to provide clients with the tools and information to remain compliant with the ever-changing laws. She provides compliance audits, offers guidance, and conveys the requirements and intricacies of legislation using a real-world approach.

Nicole has more than 15 years of employee benefits compliance experience. She served as the Compliance Officer for a large insurance broker and has also performed consulting and account management duties. Nicole has the experience and knowledge to facilitate ACA and Health & Welfare Benefits compliance audits. Specifically, Nicole has focused her attention on these and other relevant laws and possesses a thorough understanding of the continuously evolving requirements of employee benefits compliance.

Nicole has a B.S. in Paralegal Studies from Villa Julie College. In addition, she is a Certified ACA Professional from the National Association of Health Underwriters (NAHU). Nicole holds her Health and Life Producer licenses in the states of Maryland, Virginia, and the District of Columbia. She is the former Chairwoman of Professional Development for the Baltimore Association of Health Underwriters (BAHU).

Nick Getz, Manager of Technology and Actuarial Services

Nick Getz

Manager of Technology and Actuarial Services
Nick oversees all self-funded plans and provides strategic financial consulting to the company’s clients. He previously served as a Mid-Market Account Manager at The Capital Group, and he has worked closely with a number of the company’s largest clients.

Prior to joining The Capital Group, Nick worked as a Junior Key Account Manager at Brown & Brown, Inc. In this role he both assisted and directly managed the self-funded process for clients with 10,000+ employees. He was also responsible for assisting with strategic consulting on all HRIS projects.

Nick received his B.S. from the University of Oregon in 2016 and completed his Associate of the Society of Actuaries program requirements in 2018. He is currently working toward his Fellow of the Society of Actuaries designation.


Natasha Miller

Natasha Miller

Marketing and Project Manager
Natasha has been part of The Capital Group family for over 15 years. She currently manages all marketing and events related to The Capital Group, as well as serves as the Project Manager and Salesforce Administrator. She has a B.A. from UMBC, and she is a children’s book author and a trained facilitator. Natasha is on the board of several associations and enjoys photography and being outdoors.



Nazanin Kholdebarin

Nazanin Kholdebarin

For any billing or commissions questions, please contact Nazzi.



Ryan Copenhaver, Senior Associate

Ryan Copenhaver

Senior Associate

With 13 years of experience in the insurance industry, Ryan continues to build his business repertoire through various network associations and business acquaintances. Since joining TCG in 2007, he has brought an abundance of revenue to the company, earned salesperson of the year twice (2013 and 2015) and continues to consistently rank among the top producers at the firm. He attributes his success to his knowledge of the industry, work ethic, client relationships, experience in cold marketing, and education in management and information systems. His industriousness and conscientious style along with his consistent client relationships are an asset to The Capital Group. Ryan enjoys guiding clients through the ever-changing healthcare landscape and developing solutions for all work environment problems. He specializes in the government contracting industry, specifically with Federal and State IT. He’s been married to his wife Kimberly since 2004 and has 2 girls, Emma and Lauryn. In his free time, Ryan loves to spend time with his family and friends, play sports, and watch the Miami Dolphins.

Rob Hannan, Financial Advisor

Robert Hannan, AIF ®

Financial Advisor

At The Capital Group, Rob is the head of the Wealth Advisory and Investment Planning division. With over 15 years of experience, Rob is skilled in helping the planning needs of small and medium-sized companies with their retirement plan offerings and personal business planning. Rob’s expertise also extends to helping retiree and pre-retiree employee’s plan their financial future. Rob is also an Accredited Investment Fiduciary (AIF ®) and acts as a fiduciary on all retirement plans at TCG. He is a graduate of Salisbury University with a Bachelor’s degree in Business Management and Interpersonal Communication. Rob utilizes his years of experience in developing optimal, high-quality solutions that meet his client’s specific goals. He has conducted numerous seminars such as “How to Create an Effective Retirement Plan”, “Saving for college on a tax favorable basis”, and “Successful retirement planning is part asset accumulation, part asset protection”. He is a member of the Million Dollar Round Table as well as Top of The Table. Away from the office, Robert volunteers at numerous charities in Washington, D.C., his children’s school, and his church. He is an avid runner as well as a triathlete. He currently resides in Bethesda, Maryland with his wife Annie and three children, Connor, Kyle, and Taylor.

Eric Mothershead, Senior Associate

Eric Mothershead

Senior Associate

With fifteen years of experience in benefits, compliance, and HR technology Eric Mothershead brings an extensive knowledge of all aspect of Benefit Management to his role as Senior Advisor at The Capital Group. Eric’s expertise in Government Contracting requirements, including the Service Contract Act and the Davis Bacon Act, are an invaluable asset to his clients. Eric has become a leader in analyzing health care reform developments and frequently serves as a speaker on a wide variety of healthcare reform and employee benefit issues. In his day to day operations, Eric utilizes his creativity to implement well-executed strategies for his clients ensuring business goals are achieved. Eric joined the Capital Group after graduating with honors from McDaniel College, where he received a dual major in Economics and Business Administration. He lives in Bethesda with his wife and son.

Ryan Reiskin, Associate

Ryan Reiskin

Senior Associate

After an extensive career in advertising sales Ryan Reiskin brought his 15 years of business to business sales experience to TCG and since then has earned salesperson of the year honors and consistently ranks near the top of the producer list year after year. Ryan attributes his success to always putting the client first and assisting them in achieving their goals. His attention to detail helps him navigate his clients through the insurance market and the ever-changing healthcare landscape. Ryan assists clients in designing robust, cost-effective group benefit packages that can be offered to employees at a reasonable cost for the employer. Out of the office, Ryan is a 90’s cover band singer and an avid tennis player, currently playing in a league through the United States Tennis Association. A prior Ohio State University student and Maryland native Ryan follows the Buckeye’s and all local D.C. sports teams. In the community, Ryan has been a Bethesda-Chevy Chase Chamber member, leader of the Chambers young professional group, and a member of the Jewish Federation of Greater Washington. For Ryan, community involvement is key to growing as a professional and person. His ability to build long standing relationships with the community and his clients has been an asset to TCG.

Patrick S. Durbin

LUTCF, MHP, HIA, Senior Associate

Patrick Durbin joined The Capital Group in August of 2017. He’s a veteran of the employee benefits market with over 25 years of experience. He graduated from Pennsylvania State University with a B.S. in Criminal Justice. Pat served on the board of the former Potomac Prep in Washington, DC and was President of Maryland Insurance & Financial Advisors. He is a recipient of the Greater Washington Health Underwriters Member of the Year and is a member of the NAIFA-MD Hall of Fame. Pat has served the nonprofit community for many years.

Pat holds professional designations, including Life Underwriter Training Fellow (LUTCF), Managed Healthcare Professional, and Health Insurance Associate (HIA).

While not working, Pat has many interests such as serving as the Eucharistic minister for Holy Cross Catholic Church, umpiring high school baseball and softball, and running.

Vanessa Simmons, AAI, AIS, CRIS, ACSR Account Executive, Risk Management

Vanessa Simmons, AAI, AIS, CRIS, ACSR

Account Executive, Risk Management

Vanessa Simmons brings over 30 years of property and casualty insurance account management and production experience to The Capital Group. Vanessa is draped with highly regarded professional designations including, Accredited Adviser in Insurance (AAI), Associate in Insurance (AIS), Construction Risk and Insurance Specialist (CRIS), and the Accredited Customer Service Representative (ACSR) from the Insurance Institutes of America. She has been nominated for the Insurance Institutes of America Customer Service Representatives of the Year and received the Small Office Capture Rate Award. Her successes are driven by her consultative oriented ability to build relationships and resolve challenges that ultimately impact clients’ bottom line. Vanessa assists clients by staying in close communication and routinely conducting risk assessments and comprehensive reviews, making her an essential building block in the foundation of their insurance program. Vanessa has an extensive background in varied coverage programs and industry experience with clients ranging from one man operations to municipalities with over $3.6B in property values. Her goal is to educate her clients and provide them with full disclosure and program options that will allow them to make better-informed decisions. Out of the office, she enjoys playing the piano and working free-lance sharing her musical ability in the community by directing choral groups and producing drama productions. In 2005, Vanessa supported our troops by traveling to Italy to perform for our servicemen stationed at Sigonella Naval Air Station.

Kahlil Perez, Senior Associate

Kahlil Perez

Senior Associate

With 20 years of experience in the insurance industry, Kahlil has extensive expertise in Corporate Employee Benefit Strategies (Self-Funding & Traditional Concepts), ACA/Compliance, HR Technology, and Worksite/Voluntary Benefits. He started and spent the first 15 years of his insurance career at a nationally recognized insurance brokerage company where he eventually became the Managing Partner of the DC Metro office. He led a sales team of 20 individuals to become one of the top five firms in the DC area. Kahlil also became an essential part of several mergers and acquisitions, which prompted him to become an expert in the M&A process. After leaving the firm that he was with for 15 years, he was hired as a Partner for one of the leading global insurance brokerage companies out of Washington, DC. While there, he sharpened his consulting skills with mid-size and large employer clients. However, he truly missed dealing with the small/mid-size clients, so in 2015 he decided to join one of the most reputable and well-respected regional firms, The Capital Group. Kahlil is one of the top producing consultants in the office, he is a mentor to new producers, and he assists the partners in the planning and direction of where the firm is going in the future. Kahlil lives in Annapolis with his three high school aged children, who all enjoy sports and boating on the Chesapeake Bay.

Timothy Taylor

Timothy Taylor


With several years of experience, Tim is continuing to expand his knowledge in benefits, compliance, and commercial insurance at a rapid rate. Diving deep into the field of government contracting, he holds great knowledge in Service Contract Act and DCAA Compliance, helping his clients through each of those processes. He continues to stay ahead of the curve in forming creative health care strategies to help clients mitigate any future increases, allowing him to help small businesses not only retain key talent, but make a more profitable company. In his first year, Tim had won the distinguished Junior Agent of the Year and looks forward to continued success. Before joining The Capital Group, Tim had graduated with highest honors from Hood College and earned his degree in Mathematics in three years. In combining his college education and professional knowledge, Tim is gearing up to become an actuary to bring another area of expertise to help his clients save money.

Jonathan Silverman, Associate

Jonathan Silverman


A recent graduate from Pennsylvania State University, Jonathan studied military history as well as Jewish studies. While at Penn State, he was a member of the Sigma Tau Gamma Fraternity and played on the Club Soccer team as well. Jonathan came to The Capital Group ready to dive in and help companies grow more. He is especially interested in working with Government Contractors since his father was the president of a government contracting company. In his free time, Jon enjoys snowboarding, golfing, and going up to Penn State to cheer on his Nittany Lions.

Alex Marbach, CIC, CISR

Account Executive, Risk Management

Alex is the Senior Account Executive of the Government Technology Insurance Company Risk Retention Group (GovTech).  With 15 years of experience in property and casualty Insurance and risk management, Alex Marbach has become successful by using his knowledge and expertise to educate Government IT Contractors on constantly-changing Business Insurance Products and to promote his clients’ business growth by providing them with competitive insurance products that grow with and match their needs.

Alex received his bachelor’s degree in Linguistics from the University of Maryland and earned insurance designations as a Certified Insurance Counselor (CIC) and a Certified Insurance Service Representative (CISR).  He lives in Germantown with his wife and enjoys bowling.