We work together to educate and inform our clients of industry trends, new laws and legislation, and market changes. Additionally, our employee benefits experts form valued and trusted relationships with clients, helping us fully understand each of our client's unique internal cultures, business environments, financial challenges, and strategic goals.

Meet the Team to Take You There

Joseph Appelbaum

President/CEO & Founder

Joe founded Potomac Insurance in 1990 with one guiding principle: to build relationships with clients, to exceed their expectations by providing exemplary service, support, and expertise, and to become the comprehensive source for clients’ employee benefits needs. He has been an insurance practitioner for over 30 years and his experience in and knowledge of the employee benefit industry affords clients a unique and innovative approach to employee benefit selection. Joe is a subject matter expert on controlling healthcare costs, PPACA (healthcare reform), and HR issues. He speaks frequently at various trade association conferences and SHRM functions across the country. Joe is the thought leader, advisor, and chief analytics officer for all his clients.

Joe is a lifelong entrepreneur and started his first business at the age of 13 in Manalapan, New Jersey. He is an active member of the Association for Enterprise Growth (AEG) and is a founding sponsor of Executive Leaders Radio. Joe enjoys helping other CEOs and local business owners connect and collaborate with fellow leaders, and is a longtime philanthropist for the Brain Tumor Society and Leukemia & Lymphoma Society. Joe attended Carnegie Mellon University and graduated from Rutgers University with a Bachelor of Science degree in Economics. He resides in Rockville, MD with his wife and children.

Walt Ziffer, AIF

Founder and President of (k)RPG Advisors, LLC and (k)RPG LLC

Walt is the Founder and President of (k)RPG Advisors, LLC and (k)RPG LLC and has over 29 years of experience advising a select group individuals, families, and company retirement plan sponsors and their employees in their quest to achieve financial independence.

His firms provide ERISA 3(21) & 3(38) investment fiduciary services and consulting services for retirement plan sponsors (i.e., 401(k), 403(b), Defined Benefit Plans, and Cash Balance Plans), foundations, and private trusts and fee-based wealth management and financial planning services for individuals and families. Prior to starting (k)RPG, LLC in 2004, Walt was a member of the management team at New England Securities’ Washington, DC office.

Walt holds the Series 6, 63, and 65 securities registrations and, as a result of his commitment to assisting retirement plan sponsors and their retirement plan participants, he received his Accredited Investment Fiduciary® (AIF) designation in 2012. In 2015, he received the Cash Balance Consultant (CBC) designation, a certification granted by Kravitz, Inc. and the Cash Balance Coach® Program, a dedicated program for cash balance pension plan consultants.

In 2018, he received the Certified Health Savings Advisor® (CHSA) designation in order to better assist employers and employees in understanding and utilizing their health savings account benefits.

Most recently, Walt also has received the NQPA (Nonqualifed Plan Advisor) certificate and the CPFA (Certified Plan Fiduciary Advisor) credential from the National Association of Plan Advisors.

Walt graduated from Virginia Tech and currently resides in Darnestown, MD with his wife Deborah and his two children, Julia and Trevor.

ERISA 3(21) and 3(38) plan business services and financial planning through KRPG Advisors, LLC, a registered investment advisor. Securities and advisory services (Third Party Money Manager Platforms) are offered through H. Beck, Inc., Member FINRA/SIPC.  H. Beck, Inc. is not affiliated with (k)RPG, LLC nor KRPG Advisors, LLC.

Terry Anderson

Executive Vice President, Plan Sponsor Consultants


Garrett Anderson

Vice President, Plan Sponsor Consultants


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