3201 1st Ave S, #108
Seattle, WA 98134

Providing the best employee group health benefits & insurance at the lowest possible cost.

3201 1st Ave S, #108
Seattle, WA 98134

About Us

We emphasize a partnership based on integrity, depth of experience, trust and the provision of exemplary service. Our goal is to build a long-term relationship with you and your company.

At CFA, we know that any insurance broker can provide quotes. We believe that we need to provide much more for you than a set of numbers. We offer complimentary services that most other brokers charge for, or don’t provide at all.

We love what we do and we know that the complexities of the insurance world are often challenging, but we thrive on the satisfaction that comes with making things clear, simple and easy to navigate for our clients and their employees.

Puget Sound Small Business Insurance Broker
Dave Libao, Jane Fraser & Kevin Werlinger

Our Team

Jane Fraser

Jane Fraser

Partner & Owner

Phone: (206) 923-7312
Cell: (206) 313-9559
E-mail: jane@cummingsfraser.com

Jane has 32 years of experience in employee benefits. In 2002 she left USI Northwest to form her own company, Fraser Consulting Services LLC. In 2005 she formed a partnership with Gary Cummings and together they created Cummings, Fraser & Associates, LLC. In 2017 Gary retired and Jane welcomed new partners, Kevin Werlinger and Dave Libao.

Jane is a member of the Association of Washington Business, National Association of Insurance & Financial Advisors, Washington Association of Health Underwriters and President of the North Sound Business Network.

Jane was born and raised in England and emigrated to the U.S. in 1980 with her husband and two sons. Today she enjoys time with her family and friends, taking Tabata and Yoga classes, hiking, listening to classical music and reading.

Dave Libao

Dave Libao

Partner & Owner

Phone: (206) 923-7300
Cell: (206) 683-0080
E-mail: dave@cummingsfraser.com

Born and raised in the Seattle area, Dave has over 35 years of experience working with employers and individuals in various lines of insurance and financial services products. He was a founding partner with a local insurance broker called Compass Consulting Group. His primary focus was consulting with small and medium-sized employers to assist them with implementing employee benefit programs which included cafeteria and pension plans. In 2011, he and his partners sold their agency interest to Brown and Brown, a large national insurance brokerage, and Dave worked there until May of 2015.

Preferring to operate as part of a smaller local agency, Dave chose to again create his own agency with a focus on small- and medium-sized employers. Now, Dave joins Cummings, Fraser, and Associates as Partner and Owner in the firm.

When not working, Dave enjoys spending time with his daughters and family. He enjoys many outdoor activities including: downhill skiing, water skiing, hiking, camping, kayaking and mountain biking. Dave also coaches his daughter’s high school golf team.

Kevin Werlinger

Kevin Werlinger

Partner & Owner

Phone: (206) 923-7300
Cell: (206) 769-4288
E-mail: kevin@cummingsfraser.com

Kevin joins Cummings, Fraser & Associates from Lighthouse Benefits, a company he founded in 2014. He has more than 30 years of experience in employee benefits consulting. Kevin helped found and was a partner with Compass Consulting Group, which merged into Brown and Brown Insurance of Washington in 2011. Additionally, he has served as a benefits consultant for The Health Insurance Exchange and as a marketing representative for John Hancock Mutual Life Insurance Company and Mutual of New York. Kevin is currently a member of the Association of Washington Business, the Ballard Chamber of Commerce, and the Seattle Chamber of Commerce.

Kevin grew up in Seattle, Washington and earned his Bachelor of Arts degree with a double major in Psychology and Philosophy from Central Washington University. His interests include family, friends, golf, skiing, and fishing.


Meredith Winograd

Account Executive

Phone: (206) 406-9820
E-mail: meredith@cummingsfraser.com

Meredith joined Cummings, Fraser & Associates in September 2019 as an Account Executive. She has 18 years’ experience in the employee benefits field, serving as both a consultant and also with the insurance carrier side.

Meredith enjoys playing tennis and golf, cooking and being with friends and family.


Sheila Arestad

Account Manager

Phone: (206) 923-7306
E-mail: sheila@cummingsfraser.com

Sheila is a graduate of the University of Washington and has a Master’s degree from Columbia University.  She entered the field of employee benefits in 1992 and joined Cummings, Fraser in 2010.  She is both a licensed insurance producer and a Certified Employee Benefits Specialist (CEBS).

Sheila was born in England and grew up in the Seattle area. Her interests include genealogical research, reading and world travel.   She lives in Federal way with her two cats, Pippi and Vasya.


Michael Banks

Account Manager

Phone: (206) 923-7313
E-mail: michael@cummingsfraser.com

Michael began working for Cummings, Fraser & Associates in 2015.  He has a Bachelor’s degree in English from Seattle University and before getting into insurance enjoyed past careers in restaurant management and education. As an Account Manager, Michael is passionate about advocating on behalf of clients of all sizes and has helped CFA embrace the world of benefits administration technology.

Michael’s hobbies include hiking, camping, snowboarding, board games, and basketball.


Melanie Fisk

Account Manager

Phone: (206) 923-923-7301
E-mail: melanie@cummingsfraser.com

Melanie joined Cummings, Fraser & Associates as an Account Manager with 25 years of employee benefit experience.   She has worked for local brokerage firms and general agencies as an Account Manager, continuing to learn and grow before joining Cummings, Fraser & Associates in 2019.

Melanie has grown up in the Seattle area and enjoys spending time with family and friends, traveling, reading, and relaxing.


Nancy Goodman

Account Manager

Phone: (206) 923-7303
E-mail: nancy@cummingsfraser.com

Nancy joins Cummings, Fraser & Associates with almost 30 years of employee benefit experience.   She worked as a Billing and Eligibility Representative at a local insurance company, a Customer Service Representative at a highly respected local broker and as a Billing and COBRA Administrator at a third-party administrator.

She received her degree in Accounting from Nettleton Business College.  Nancy enjoys spending time with family and friends, traveling, reading, cooking and gardening.


Erika Henricksen


Phone: (206) 923-7304
E-mail: erika@cummingsfraser.com

Erika began her insurance career in 2001.  She has enjoyed many roles in brokerages including Account Management and Analysis.  In 2005, she took her current position at Cummings Fraser & Associates.  Erika has a Bachelor’s degree in Psychology from Idaho State University.

Erika enjoys spending time with her family & friends.  Her interests include camping, hiking, skiing & snowboarding, and volunteering at her son’s school.


Andrea Hickok

Compliance & Analytics

Phone: (206) 923-7308
E-mail: andrea@cummingsfraser.com

Andrea joined Cummings, Fraser & Associates as a Compliance & Analytical Administrator, with 20 years of experience in employee benefits. She worked in Customer Service, Eligibility, and Marketing for a local insurance company and as a Broker and Account Manager for a local brokerage firm before joining CFA in 2017.

Andrea’s interests include spending time with family and friends, traveling, snowboarding, hiking and sharing in volunteer work.


Sarah Kuns

Administrative Assistant

Phone: (206) 923-7311
E-mail: sarah@cummingsfraser.com

Sarah joined Cummings, Fraser & Associates in 2018. She works on customizing online benefit portals, processing enrollments, and updating employee censuses.

Sarah moved to Seattle after receiving her Bachelor of Arts in Psychology from Humboldt State University. She enjoys biking, camping, hiking, rock climbing, and traveling.

Expert benefits advice you can trust.