Team Members

Services Team Members - Human Resources Benefits

HBS' team of professionals are experienced licensed California Life and Health Agents, some with NASD securities licenses. Combined, we have more than 120 years' experience in insurance, marketing, accounting as well as Human Resources. Whew!

Nancy Howitt

President and Client Services Supervisor

Nancy founded Howitt Benefits Services in 1980, after working for New York Life before managing the benefits department at Johnson & Higgins in San Jose. Her philosophy hasn't changed in the past 25 years -- make our clients even more valuable to their organizations, make their lives easier, help reduce the stress in their jobs and do it with enthusiasm and a optimism that is infectious.

She is committed to providing the finest client service, innovation, guidance, analysis and advice. Howitt Benefit Services is built on Nancy's philosophy of partnering with clients -- building financial and benefits solutions based on our client's needs, objectives and priorities. Since every client's needs are unique, ultimately, their health and welfare programs are a true reflection of the company's culture. Clients choose to work with Howitt for our personal touch, balanced with sound fiscal judgment, technical expertise and the wherewithal to transform a business imperative into corporate strength. Many of our clients have been with us for more than 20 years, a testament to unparalleled service, support and resources we offer our clients every day.

Nancy is a graduate of Rider College, volunteers for the NCHRA (Northern California Human Resources Association), the California Employer Advisory Council (CEAC), and the Bay Area Women in HR. She spends her spare time with her family, her 4 dogs and creating her own line of gemstone jewelry.

Larry Seiden

401(k) and Retirement Program Specialist
Compliance Officer

Larry provides expertise in the area of retirement programs including plan design, implementation, maintenance, and employee education. He also handles compliance reporting to protect our clients and their plans. Prior to joining Howitt Benefit Services in 2002, Larry's extensive experience with Human Resources professionals includes a 20-year career at Bernard Hodes, an international Recruitment and Employee Communications Advertising Agency.

We research the best plans for our clients, based on costs, returns and administrative value from a large universe of providers. Helping your employees plan for their future is our mission while ensuring the company maintains fiduciary responsibility and controls. As our Compliance Officer, Larry is responsible for a major area of our company. He is responsible for ensuring we are in compliance with all federal, state, SEC, NASD, DOL, HHS and Department of Insurance regulations. As well as ensuring our clients are informed of all legislative and judicial mandates that affect their business.

He is a graduate of the University of Vermont. He has served as the program chairperson for the Northern California Human Resources Council. In his spare time, he is an aficionado of wine, watches, and hockey.

Luke Mazzanti

Marketing Specialist/Account Coordinator

Luke is responsible for handling the marketing process from start to finish for all of our clients. He establishes and executes a comprehensive strategy for the RFP process. He creates and manages relationships with carrier representatives, stays on top of new product developments and is constantly expanding his knowledge of both Small Group and Large Group developments as well as compliance. While working closely with our Sales and Account Management team, offering insight on pricing/products, modifications pre-post meetings and any additional request from carriers.

Luke is a graduate of San Jose State University with a degree in Communications with and emphasis in Marketing. While in school he played on State's Division 1 Baseball team. Luke spends his time surrounding himself with sport and friends.

Jill Reinitz

Enrollment and Eligibility Specialist

In addition to coordinating our client's enrollment and eligibility processes, Jill's specialty is resolving troublesome claims for our client's employees. With her background as an insurance specialist and medical assistant for a large Pediatric group practice. She is well-versed in insurance contracting, claims, authorizations, and pre-certifications processes.

Richard Lynch

Retirement Practice

Richard leads our retirement practice, responsible for designing, implementing and managing our client's retirement plans. His emphasis is ensuring his clients are satisfying all of their Plan Fiduciary requirements, maximizing employee communication services, and very importantly to make sure that the expense structure of his client's Programs are being monitored in keeping with current Industry standards. Additionally, his experience within the Investment industry allows him to help design a well-diversified and quality investment lineup for our clients.

Please contact for additional information and or questions.