Meet Our Team

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Meet Our Team at Lake Norman Benefits

David of Lake Norman Benefits InsuranceDavid C. Contorno, Agency President
david@lakenormanbenefits.com

David C. Contorno is President of Lake Norman Benefits. David is a native New Yorker and entered this field at the young age of 14 doing marketing for a major life insurance company. His customer focus, passion for his work, technology experience and performance plunged David into what would become a career of success.During his 19 years in the insurance business, David has engaged in providing group insurance in various types of markets and industries ranging from manufacturing companies to privately held investment management companies. He has received numerous levels of recognition. To name a few: In 2004, he received a broker spotlight and was recognized by Blue Cross Blue Shield as an outstanding broker of service and in 2005 through 2014, United Healthcare honored him with the Echelon Award reserved for the top 1% of agents nationally. David is a licensed agent in multiple states.

David serves on the Board of Directors for Healthreach Community Clinic. He also serves on the NC Insurance Commissioners Life and Health Agent Advisory Committee, as well as participating in the Technical Advisory Group that helped with the Market Reforms required under the Affordable Care Act in North Carolina. He is an active member in the Lake Norman and Moorseville-South Iredell Chambers of Commerce, and is also a member of the National, North Carolina, New York and Long Island Associations of Health Underwriters. In addition, he enjoys being a part of Rotary International, part of the membership drive for the United Way, assisting the local Habitat for Humanity Chapter, The Dove House Child Advocacy Center and participating in networking functions.

David’s background and visionary experience reflects his commitment to offer the finest access to affordable group benefits to all types of employer groups. When he is not working he enjoys  boating, traveling, and being with his wife and their two children, Hannah and Ethan.



Joe-webJoe Cacciatore, Director of Sales
joseph@lakenormanbenefits.com

Joe Cacciatore is originally from Long Island, NY and graduated from Hofstra University (Hempstead, NY) with a B.S. in Exercise Physiology.While working his way through college as a personal fitness trainer, Joe learned the value of client relationships and the importance of knowledge and expertise in your profession.Joe began his career in insurance April of 2002 with UnumProvident (now UNUM),a Fortune 500 life, accident, and health insurance company. His corporate training started with individual insurance policies and he quickly moved into group sales, working with consultants and employers in the 10 – 2,000 lives market. One of those consultants was David C. Contorno, CEO of Lake Norman Benefits (formerly Contorno & Company, Inc.)

In 2006, Joe formed JMC Benefits, Inc., operating out of Patterson, New York and built a loyal client base that is still with him to this day.

Joe was offered and happily accepted the opportunity to join the team at Lake Norman Benefits in January 2013 and has since relocated to North Carolina along with his wife Lisa, and two daughters Sydney and Ciara.



Heather of Lake Norman Benefits InsuranceHeather Contorno, Director of Services and Administration
heather@lakenormanbenefits.com

Heather Contorno is originally from Long Island, NY. She attended the State University of New York. Upon graduation Heather was employed at Northwestern Mutual Financial Network for eight years where she started as a receptionist and escalated to manager of the policy owner service department. This department was responsible for maintaining relationships with clients whose agents had left the firm.Heather and David Contorno married in 2007 and were blessed with the births of their daughter Hannah in 2009 and son Ethan in 2011.

In her spare time Heather enjoys cooking, baking, and the New York Yankees.



Jada Cannon, Director of Finance
jada@lakenormanbenefits.com



Beth of Lake Norman Benefits InsuranceBeth Cusimano, Assistant to the President
beth@lakenormanbenefits.com

Beth Cusimano is originally from Jamestown, New York. She attended Jamestown Community College and went right into the Banking world as a Commercial Teller for Chase Lincoln First. In 1992, the career move was stay at home mom for her daughter Alexandria and four years later her daughter Madison. In 2005, Beth wanted to start back into the work force. She started as a substitute teacher for her daughter’s school system and also retail sales where she became manager within a year. Needing more opportunity in her career path, Beth went on to working at Lowe’s Home Improvement and later, the ideal career opportunity came along – being a Personal Assistant/Wellness Coordinator for Lake Norman Benefits, Inc.

In her spare time she loves cooking and spending time with her daughters, family and friends.



Audrey of Lake Norman Benefits InsuranceAudrey Cremasco, Quality Control Administrator – Health Advocate
audrey@lakenormanbenefits.com

Audrey was born and raised in Connecticut. She went to work for CIGNA right out of high school as a processor for medical and disability claims and has now been involved in claims for over 30 years. She has worked in a hospital setting as a medical biller and as a supervisor in the billing department. In addition, she worked as a billing/coding specialist and as a business office coordinator for an outpatient endoscopy center.

In February of 2012, Audrey and her husband, Rick, decided they had seen enough of the Connecticut winters and moved to Mooresville, North Carolina.  In her spare time, Audrey enjoys cooking, gardening, reading and spending time outdoors with her husband and their two dogs, Bella & Faith. She loves to watch UConn Huskies basketball (both men’s and women’s teams). She has two grown stepchildren that live in Mooresville. She also has a granddaughter and a grandson!



Mike of Lake Norman Benefits InsuranceMike Clemence, VB Practice Leader/Benefits Consultant
john@lakenormanbenefits.com

Mike Clemence is originally from Cleveland, OH and graduated from Ohio University with a B.S. in Healthcare Administration.
Mike began his benefits career in 2000 with a friend’s agency in Ohio, moving to North Carolina in late 2002, where he has focused on voluntary benefits as both a producer and rep for carriers such as Assurity, Colonial, and Humana. He prides himself on customer care and relationships, and bringing things together for clients to make their lives easier.
Mike was offered and happily accepted the opportunity to join the team at Lake Norman Benefits as Practice Leader Voluntary Benefits in August of 2015.

He enjoys his spare time boating, exercising, and hiking. He has been happily married for 23 years to Jennifer and has two children, Jordan (19) and Justin (16).



Chris Shoffner of Lake Norman Benefits InsuranceChris Shoffner, Director – Public Policy
cshoffner@lakenormanbenefits.com

Chris Shoffner is a Wake County, NC native and graduate of NC State University. Chris began his benefits career in 1992 with Merrill Lynch focused on retirement plans and moved into health plan management in 2001 and has worked on various aspects of claims payments, benefit design, population health management and analytics. He prides himself on customer care and relationships, and bringing things together for clients to make their lives easier.

If there is spare time, playing golf, coaching soccer and spending time with family is where you will find him.



Laura of Lake Norman Benefits InsuranceLaura O’Dea, Retirement & Executive Benefit Specialist
Laura@lakenormanbenefits.com



Teresa of Lake Norman Benefits InsuranceTeresa Gutierrez, Account Executive
Teri@lakenormanbenefits.com

Teresa C. Gutierrez is a certified Life Underwriter Training Council Fellow (LUTCF) and Registered Health Underwriter (RHU). Teri brings over 25 years of experience in group health, self-funding, disability, life, and voluntary benefits for mid-size businesses. Her professional achievements include two Seabury & Smith Director’s Council National Awards.

Teri was appointed to represent all North Carolina health insurance agents and brokers on the North Carolina Health Benefit Exchange and Insurance Oversight Workgroup and sub-group on NC Navigators as mandated in the PPACA law. She has served as North Carolina Association of Health Underwriters (NCAHU) State President and State legislative chair.

Over the last seven years, Teri has been active in advocating for sensible healthcare reform during visits to Washington DC meeting with members of congress concerning and their staff on issues impacting North Carolina consumers and employers. She participated in the US Chamber of Commerce event on health reform in Washington DC.

Teri graduated with Bachelor of Science degrees in Marketing and Business Administration with honors Magna Cum Laude from Barton College, NC.



Michelle of Lake Norman Benefits InsuranceMichelle Satterley, Senior Partner Relationship Manager
michelle@lakenormanbenefits.com

Michelle Satterley, Senior Partner Relationship Manager for Lake Norman Benefits,started in the business in 1997 as an Administrative Assistant and realized that this industry was her true passion. Now, with over 14 years of experience helping clients manage their health insurance and employee benefits, she is continually looking to help people navigate the complicated health insurance world.

Michelle is married to a loving supportive husband and has 2 small children. Her career traits carry over to her personal life. Her favorite quote is “The talent of success is nothing more than doing what you can do – but do it well”. Michelle has continued her education with necessary courses to do her job professionally. She is very proud of all the computer applications she has learned over the years in the industry. Her biggest accomplishment was obtaining the New York State Health Insurance Broker License. After receiving her license Michelle flourished as an excellent Customer Service Manager.



Emerald of Lake Norman Benefits InsuranceEmerald Small, Partner Relationship Manager
emerald@lakenormanbenefits.com

While on the track to becoming an RN, Emerald found her real passion for helping people was more on the administrative side than the clinical side of the industry. After 8 years experience working in various doctors’ offices and the emergency room, she was led to the insurance industry. In November 2008 she received her health, life, property & casualty insurance licenses in the state of North Carolina. Emerald worked with State Farm Insurance as a Sales/Account Manager in all aspects of the industry including underwriting, explaining benefits, processing claims and reviewing coverages. She happily joined our team last year to incorporate her knowledge and experience with our steadily growing company.Emerald is originally from Philadelphia but has called Mooresville, NC home for almost 4 years. In her spare time she enjoys traveling, photography, writing, and taking her kayak out on the lake. Her favorite phrase is “Esse Quam Videri” which in Latin means “To be, rather than to seem”. Although this saying meant a lot to her prior to moving south, it hit a new level once she learned this phrase was the motto for North Carolina and is written on the state seal.



Danita of Lake Norman Benefits InsuranceDanita Morrison, Partner Relationship Manager
danita@lakenormanbenefits.com

Danita is North Carolina born and bred.  Although she moved all over the state as a child, she calls Lincolnton home now.  Danita has a bachelor’s degree in Psychology and Sociology.  It is her love of people that brought her to the customer service side of insurance.In 2006, she obtained her health, life, Medicare supplement and Long Term Care insurance licenses in the state of North Carolina. Danita enjoys spending her spare time with her husband Tracy and daughter Andrea.  She is involved in her church and loves outings with her friends, the Menopause Mommas.



Lauren Sullivan, Installation Specialist
Lauren@lakenormanbenefits.com



Joan of Lake Norman Benefits InsuranceJoan Brady, Quality Control Administrator – Data Reconciliation
joan@lakenormanbenefits.com



Candace Lovett, Benefit Administration System Specialist
Candace@lakenormanbenefits.com



Judy of Lake Norman Benefits InsuranceJudy Brooks, Quality Control Administrator – Eligibility Specialist
judy@lakenormanbenefits.com



Madelin of Lake Norman Benefits InsuranceMadelin Collado, Receptionist
Madelin@lakenormanbenefits.com