Our Team

Tracey Kayo Twarog - Owner, Simplify Medicare/Agent

[email protected]

Tracey has been a Licensed Insurance Agent for over 20 years, specializing in the Medicare field for 13 years. She is committed to advocating for seniors & educating them on their options. Tracey is passionate about helping her agents achieve their personal success. She has built Simplify Medicare on her core values…Compassion, Education & Advocacy.



Lacey Hartman - Retention Specialist/Agent

[email protected]

Lacey is a mother to two children with special needs. She knows first hand, how frustrating & overwhelming the insurance process can be. Lacey is an advocate for her children’s medical & educational needs. She brings that same passion & knowledge to her insurance clients to ensure that they have a positive experience.



Liz Pizzo - Contracting & Agent Support/Agent

Liz Pizzo brings her knowledge & experience as a Medicare Community Health Educator & a Certified Occupational Therapist to our team. Liz has a passion for doing research & thoroughly enjoys teaching others. She loves animals & the beach. In her spare time she enjoys spending time with her husband & 2 children.



Sandra Kahlon - Agent

[email protected]

Sandra comes to our team with over 25 years working with & advocating for seniors. As an Occupational Therapist in Geriatrics, she has been finding the best possible solutions for seniors to live their best lives with the greatest of ease. She is passionate about helping seniors find optimal solutions to their health needs.



Brenda Aiken - Agent

[email protected]

Brenda has over 30 years of customer service & insurance experience. Always honest, friendly & informative, Brenda loves helping retirees understand & choose a plan that best fits their needs & pocket book.



Sherry Ashery - Agent

[email protected]

Sherry brings over 25 years of sales & marketing experience to Simplify Medicare. She believes in building relationships & making her clients feel comfortable while going through the Medicare process. Sherry is married & mother to 2 teenage children. She is an active volunteer in the Jewish community.



Mary Ann O'Brien - Agent

[email protected]

Mary Ann opened the first Farmers Insurance agency in upstate NY located in Clifton Park and is also a licensed Medicare sales agent. With her 15 years experience in the insurance industry, her focus is to educate and help people navigate the many healthcare options that are available to suit their specific needs. She attributes her trust and loyalty to her professionalism, passion and dedication.



Christopher Szady - Agent

[email protected]

Chris has over 12 years of experience serving his community while building trusted relationships and exceeding client expectations. His mission is to ultimately keep more money in the pockets of seniors, the disabled and low-income folks. Chris is a gardening/ house plant enthusiast and lover of four legged friends. He's always eager to give you a friendly ear and find the path that perfectly fits your needs and lifestyle.



Megan Z. Culver - Agent

[email protected]

Megan is a CPA & an Insurance Agent. She brings almost 30 years of experience & knowledge to the team. She thrives on helping others find the best insurance solution to fit their needs & budget. Megan is passionate about connecting with people & developing relationships.



Arien Gray - Agent

[email protected]

Arien brings 20 years of sales & marketing experience to his Medicare clients. When not working, he enjoys spending time with his daughter. Arien is very active & enjoys Brazilian Jiu-Jitsu, as well as fitness & outdoor activities.



Wonder Gonzalez - Agent

[email protected]

Wonder Gonzalez is dedicated, knowledgeable, & passionate about his health insurance career. He is committed to excellence at every stage of his clients' lives & is determined to find feasible solutions.

A true professional, Wonder values the trust his clients place in him & aims to continuously surpass their expectations. In his spare time, Wonder enjoys spending time with his loved ones who are invaluable to him. (Habla Espanol.)



Mary Beth Singaporewala - Agent

[email protected]

Mary Beth is a licensed Speech-Language Pathologist and a mother of 3. She has 29+ years experience working in both patient care and insurance review. She brings her enthusiasm and compassion for others to help foster long-lasting relationships. Her goal is to simplify the process of obtaining quality Medicare coverage, while offering support to each client on their healthcare journey.



Gissell Tineo - Agent

[email protected]

Gissell brings 10 years of experience in social services and financial literacy to the TKT team in order to enhance her passion of helping families. Gissell is committed to help all communities by combining her passion with her skills of organizing and problem solving. Gissell enjoys spending time with her elderly father and family, creating memories and embracing each other.



Cathleen Esposito - Agent

[email protected]

Cathleen has been a licensed agent for 25 years & brings years of Sales & Marketing experience with her. She speciializes in Medicare & is compassionate about educating seniors on their options.



Barron Hanrahan - Agent

Barron Hanrahan has over 20 years in the Health Insurance industry. His goal is to assist seniors to find the Medicare plan which best fits their needs at the lowest cost. He maintains relationships with all of his clients to ensure they get the most benefit from their plan.



Ernest Watkins - Agent

[email protected]

Ernest Watkins is a knowledgeable & compassionate agent that takes pride in the work he does with his clients. He is very personable & puts his clients’ needs first. He is excited to be a part of the Simplify Medicare team where he can give his clients a full service experience.

TKT Insurance Agency
Simplify Medicare

1266 Duanesburg Rd
Schenectady, NY 12306


 [email protected]

Serving: Albany, Columbia, Delaware, Greene, Orange, Rensselaer, Saratoga, Schenectady, Sullivan, Ulster, Warren Counties