Insurance for All of Life’s Risks
T.J. and the staff at Navigate provide you with the options and professionalism you would expect from an Advisor, as well as the personal connection and relationship of a trusted friend. -Michael W., customer since 2017
T.J. Worsencroft, Licensed Agent
Principal Agent/Chief Executive Officer
T.J Worsencroft began his career in the insurance industry in 2006. He became a Vice President of property and casualty of a Cleveland area agency. In 2015, he created Navigate Risk Advisors LLC to help protect families and business for all life’s risks. T.J. is on the Board of Directors of the North Coast Chamber of Commerce and Horizon Education Centers. He is a graduate of Baldwin Wallace University and is retired from the United States Coast Guard. He is licensed in Ohio for property, casualty, life and health insurance.
T.J. and his wife, Susan, reside in Avon Lake, Ohio, with their four children: Isaac, Xavier, Julia, and Saige. He is an active volunteer with the Boy Scouts of America, American Legion Post 211 and a member at the Cleveland Yachting Club.
Fredrick Dan McLaughlin III, Licensed Agent
Insurance AdvisorFrederick D. (Dan) McLaughlin III joined the team at Navigate Risk Advisors LLC in 2016 as an Ohio licensed property and casualty insurance agent.
Dan has previously been a Vice President of a Cleveland-area property and casualty agency since 2010 focusing on commercial business insurance, personal home & auto insurance, and risk management and wealth preservation. Prior to that, he was President and owner of a manufactures representative business for twenty years. He is a University School and University of Michigan graduate. He is actively involved with Ronald McDonald House of Cleveland and a member at St. Joan of Arc Catholic Church in Chagrin Falls, OH.
Dan and his wife Emily, live in Chagrin Falls, OH. Emily is a multi-million dollar producer with Howard Hanna in residential real estate. Dan and Emily have four beautiful children; Mac, Caroline, Claire and Charlie.
Adam Santo, Licensed Agent
Adam Santo is licensed in Life and Health Insurance, Property and Casualty Insurance and has achieved his Certified Senior Designation in 2016. Before coming to Navigate Adam ran a successful business in which he worked with seniors and their families for long term planning and senior living placement. Adam started in the financial services and insurance industry in 2002 helping individuals, families and business owners navigate and protect their financial futures. Adam specializes in personal, group, and Medicare/Medicaid Healthcare insurance and both Personal and Commercial Insurance lines.
Adam now lives in Avon Lake with his wife Dana and their three children. He is a proud and active member of St. Joseph parish in Avon Lake and a part of multiple local chambers and community groups.
David Hartman, Licensed AgentInsurance Advisor
David Hartman joined Navigate Risk Advisors in 2016 as an Ohio licensed Life and Health Insurance agent. After attending Bowling Green State University, David worked for 35 years in the financial services industry, first aiding companies to finance their capital equipment acquisitions, then founding Amerifirst Mortgage Group to help families finance their homes. He also served for seven years in the Ohio Army National Guard. Today, he sits on the Board of Trustees at Horizon Education Centers and is active in the Olmsted Falls Community Church.
David and his wife, Linda, and their golden retriever, Maggie, reside in Elyria, Ohio. They have two grown children, Matthew and Jennifer, and four grandchildren.
Dave Haugh , Licensed Agent
Insurance AdvisorDave Haugh has been working with hundreds of families and business owners for over 29 years. Dave is a graduate of New Philly High School and attended Kent State University. Dave loves music, plays guitar, enjoys football and baseball. Dave holds the Ohio Life & Health, Property & Casualty Insurance Licenses.
Dave and his wife, Colleen, live in Rocky River, OH.
Colleen Hartman, Licensed Agent
Personal Lines ManagerColleen Hartman joined Navigate Risk Advisors in 2016 as a Customer Service Representative. She studied English at Buffalo State College before relocating to Cleveland. She has worked in the customer service industry for many years and different facets of the mortgage business.
Colleen has volunteered with different community organizations over the years including, All Faiths Pantry and Habitat for Humanity. She has a passion to see everyone live the best life possible and has coordinated different fundraising events to help those in need. Colleen lives in Parma, OH with her two children, Liam and Quinn.
Kim Hendzel, Licensed Agent
Customer Service Representative
Kim joined the Navigate Risk Advisors team in March of 2018. She has been in the insurance industry since 2007 after being a stay-at-home mom. She very much enjoys the personal contact with clients and helping them understand the “whats & whys” of insurance.
She, her husband Craig, and their daughters Grace and Tegan are active in the arts and fundraising as well as being members of the Lakewood Campers Club.
Cynthia Allen, CPA
Chief Financial OfficerCynthia Allen has been with Navigate Risk Advisors since January 2017. Prior to joining Navigate, she spent ten years in forensic accounting and spent nine years in finance-related roles in the manufacturing and distribution sector. Cynthia has served as both Treasurer and President of several local non-profit organizations.
Cynthia received her BS in Accounting, International Economics and German from Westminster College in New Wilmington, Pennsylvania and is a member of the American Institute of Certified Public Accountants. She holds a CPA license in both Ohio and Pennsylvania and currently resides in Johnstown, Pennsylvania with her husband, Greg and their two children, Morgan and John.