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®, CPFA, CBC, CHSA, NQPA

Founder/Senior Consultant of (k)RPG & KRPG Advisors

Walt is the Founder of (k)RPG & KRPG Advisors based out of Gaithersburg, MD. As a 30-year veteran of the financial services industry, he has been dedicated to assisting Families, Individuals, and Retirement Plan participants 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 routinely serves as a guest speaker and focus group member for various financial services firms and is a current member of the Advisory Council for Morningstar Investment Services. Walt has been quoted in several professional publications and has served as an expert witness & consultant regarding financial matters in a range of legal cases.

Walt holds the FINRA Series 6, 63, & 65 securities registrations and the following designations and certificates:

  • AIF - Accredited Investment Fiduciary®
  • CPFA - Certified Plan Fiduciary Advisor
  • CBC - Cash Balance Consultant
  • CHSA - Certified Health Savings Advisor®
  • NQPA - Non-Qualified Plan Advisor

In 2012, 2015, 2016, 2017, 2018, 2019, and 2020 Walt was named a Five Star Wealth Manager in the Washington, DC area.

Walt graduated from Virginia Tech and currently resides in Darnestown, MD with his wife Deborah and his two children, Julia and Trevor. A car enthusiast, he is the founder of Potomac Cars & Coffee, a member of the Porsche Club of America, and serves as the Treasurer of the McLaren Automobile Club. He has a strong passion for family, and when he is not working, he can be found at a hockey game, a horse show, or a car show.

Securities offered through Grove Point Investments, LLC., member FINRA/SIPC. Investment Advisory Services offered through Grove Point Advisors, LLC. Grove Point Investments, LLC. & Grove Point Advisors, LLC. are subsidiaries of Grove Point Financial, LLC. ERISA 3(21) and 3(38) plan business services and financial planning offered through KRPG Advisors, LLC, a registered investment advisor. Neither (k)RPG or KRPG Advisors, LLC are affiliated with Grove Point Financial, LLC. or its Subsidiaries.

Terry Anderson

Executive Vice President, Plan Sponsor Consultants


Garrett Anderson

Vice President, Plan Sponsor Consultants


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