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Meet Our Staff

As our client, you will have a team of highly qualified professionals working for you to provide you with the best coverage for you, your family, or your business.  Building a long-lasting relationship with our clients is our number one priority.

Carol Stearns Headshot

Carol Stearns

President, CEO, Risk Advisor

Born in Milwaukee, Wisconsin, Carol learned values of resilience, trustworthiness, hard work, and a love for assisting others from her parents. Working summers at her father’s office at a Waukesha Buick dealership from age 15, along with part-time 3rd-shift work for Northview Home in Waukesha and 1st-shift work for Roger’s Hospital in Oconomowoc, provided invaluable hands-on experiences that helped foster an eclectic skill set. After graduating from Northwestern Preparatory School, now known as Luther Preparatory School, in Watertown, Wisconsin, Carol earned an Associate of Science degree from Wisconsin Lutheran College, Milwaukee, Wisconsin, and a Bachelor of Arts degree from Lawrence University, Appleton, Wisconsin. She achieved magna cum laude and became a member of Mortar Board.

Carol has spent her entire 30+ year career in the insurance industry and prides herself on taking care of her clients’ unique needs. Carol currently resides in Elm Grove, Wisconsin with her husband John, a senior loan originator for American Fidelity Mortgage Services, Inc., and a Lhasa Apso named Fred. John and Carol have a son Christian currently studying to become a pastor at Wisconsin Lutheran Seminary in Mequon, WI and a son Evan residing in New Ulm, MN who recently married Megan. Both Evan and Megan will be teachers in the next year, after Megan finishes her degree at Martin Luther College.

Carol’s interests include music, running, and traveling to their little cedar log cabin on a pristine lake in northern WI.

Jan Kuske headshot

Jan R. Kuske

Customer Service Representative

Jan has lived in several states (Washington, California, Texas, Wisconsin, Arizona, and Vermont). Married to John since 1989, she is the blessed mother of four successful adults. The eldest is a stay-at-home mom with three children. Two sons, the elder one married and trained as a paramedic recently relocated to Vermont, the younger one is a sous chef at a country club in Mequon, Wisconsin. Her youngest daughter recently graduated from UWM-Milwaukee with a degree in global communications with training and certification to teach English as a second language. In addition to working retail as a second job for several years, she worked sixteen years in various roles in the investment banking industry (AVP/Corporate Syndicate Administrator; Branch Manager’s Assistant, Registered Sales Assistant) and has worked as an Administrative Assistant, Office Manager, and Executive Administrative Assistant in other fields. Jan is a devoted and doting grandmother, but is too young at heart and too interested in people and learning to fully retire. She plans to pursue her insurance license to better serve the APECS Insurance Agency.

Susan Nitz

Susan Nitz

Accounting & Administrative Assistant

Susan grew up in the state of Michigan. From an early age she was interested in becoming a teacher. After graduating from high school, she attended Martin Luther College in New Ulm, MN where she received a B.S.in Elementary Education. Susan taught for two years at Trinity Lutheran School in Nicollet, MN before marrying Paul Nitz in 1991. Following Paul’s graduation as a Lutheran pastor from Wisconsin Lutheran Seminary in 1993, Susan joined Paul in serving the Lutheran Church of Central Africa in the country of Malawi. During her 27 years living in Malawi, Susan raised her six children and had many adventures as she learned to speak Chichewa and teach women and children at various churches where her husband served. Susan eventually returned to classroom teaching as a regular substitute teacher at an international school in Lilongwe, Malawi. She also taught ESL classes to women at the Lutheran Bible Institute.

Following the family’s move to the U.S. in 2020, Susan began working as a bookkeeper for APECS Insurance Agency. Susan enjoys learning new skills and brings her organizational and administrative strengths alongside owner Carol Stearns’ love of helping clients get the best insurance coverage possible. Susan looks forward to gaining experience in the insurance sector and becoming a licensed agent.

Susan has a lifelong love of teaching music. In Malawi she was able to teach piano and clarinet to many children and assist the music department at the school her children attended. She currently is serving her local church as an organist.