Meet our Management Team

Andrew Cross
PCF Managing Partner
360-438-6708

Andrew loves property hunting, remodeling projects, watching historical documentaries and keeping up with the latest on cars.  His biggest fan is his daughter, Andrea! If Andrew is not in his office, he is most likely out enjoying travel or finding the latest property deal.

Celia Cross, CISR
Agency Operations Manager
360-438-6708
Celia loves the sun and making people smile. Traveling is an adventure for her and a priority. She’s always on the hunt for great local restaurants, reading whatever piques her interest, and continually learning something new. Ultimately, she can do a million things in her life, but the most important to her is living and doing things that bring joy to her family and to others. So watch out world!

Yesica Folwell, CIC
Systems Operations Manager
360-438-6708

Yesica is happiest when watching her two girls learn and grow! She loves spending time with her family, getting outdoors as much as possible!

Meet our Commercial Lines & Sales Team

Lorieann Graves
Commercial Lines Team Lead
360-438-6708 x127

Eloise Patton
Commercial Lines Account Manager
360-438-6708 x 100
Eloise is a fan of reality television shows, playing monthly Bunco games with friends, and (if the money is right) an occasional trip to the casino. Eloise is also a very proud grandma! Her grandson keeps her busy with many adventures and is the light of her life.
Kenny Zenner
Commercial Lines Account Manager
PCF Managing Partner
425-361-7454 x156

Kenny has lived in Mill Creek/Snohomish area with his high school sweetheart and 2 young and energetic boys, since 2004.  We are an avid outdoors’ family and enjoy camping, fishing, swimming, hiking, biking- did I say how much I love fishing!  in between watching his 2 boys play basketball, Kenny can be3 found ot he river yelling, “bobber down!”
Kenny graduated from WWU and immediately started his insurance career at Safeco.  Between his mom, brother, aunts, uncles and himself, there is over 100 years of insurance knowledge within the family.

Maureen McFarland
Commercial Lines Account Manager
360-438-6708 x 137
For over two decades, Maureen has been growing with her customers, building long-term partnerships, and being the resource for all things insurance. In her free time, she loves to spend time on the water. Raised on and around lakes, the water is her second home.

Ramona Heitzman
Commercial Lines Account Manager
425-361-7454 x152

Commercial Truck Insurance Agent Abby

Abby Johnson, CISR
Sales/Trucking & Transportation Agent
D. 360-993-4780 or 360-438-6708 x111

I love the Pacific Northwest, going on walks, the ocean, traveling, laughing and enjoying friends and family. I am grateful for many things and try to approach life daily with love, gratitude, and a smile.

Click here to view my profile or click the button below to book a phone call or an online meeting with me.

Stephanie Seeds
Sales/ Farm Insurance Agent
360-438-6708 x 123

Stephanie enjoys working in her yard, gardening, and growing her own organic vegetables.
She loves spending time with her family at the Oregon Dunes and visiting the ocean. Her favorite pastime is being a “Grammie!”

Click here to view my profile or click the button below to book a phone call or an online meeting with me.

Meet our Personal Lines & Sales Team

Darcey Beck, CISR Elite
Personal Lines Team Lead
p. 360-438-6708 x132

Darcey has lived and traveled all over Washington State, but calls Port Angeles home. She loves spending time with her daughter, exploring the beaches of the Olympic Peninsula, and searching for sea glass, crabbies, and other beach treasures.

Click the button below to book a phone call or online appointment with me.

Michelle McCutchen
Personal Lines Sales/Account Manager
425-361-7454 x154

Michelle grew up in Centralia and has lived in the Everett area since the early 90’s.  She graduated from Central Washington University and spent several years working for a large chemical distributor before working in the insurance industry.  She has two sone and a daughter.  Michelle and her husband Billy enjoy the outdoors, camping and riding their quads.

Arlene Orallo
Personal Lines Account Manager
425-361-7454 x157

Arlene was born in the Philippines, but grew up on the tiny island of Guam.  She move to Washington state in 1996 and now reside in Bothell-Mill Creek with her husband and their little shih tzu-yorkie (shorkie) Jaks.  Arlene enjoys cooking/baking anything and everything at home, taking drives to sight-see and try new foodie places, and occasionally enjoy gaming at our many casinos in the northwest!

Arlene started in the industry as a claims customer care representative for Safeco and later moved to claims.  She took a break from insurance delving in other areas of the financial word, but eventually came back to insurance, where her heart and mind feel most at home.

Annette Spencer

Annette Stacy
Personal Lines Account Manager
360-438-6708  x 124
Annette is a storyteller and a true conversationalist. Having worked all around the insurance industry and with over 13 years of experience, not only can she tell a great story, but she can save you money. In between friendly chats, Annette loves to bake anything sweet.

Diana McGregor
Personal Lines Account Manager
425-361-7454 x153
Diana was born and raised in Buckley, Washington.  She moved with her family to Mill Creek in 1996.  She and her husband Rick have 5 children.  Rick has a counseling practice in Mill Creek.  Both Diana and Rick are active members of their church.  They love sports and their two Yorkshire Terriers Zoey and Theo

Naomi Burns, Cross Insurance personal lines agent

Naomi Burns
Personal Lines Account Manager
360-438-6708 x139
Naomi is one of our amazing personal lines agents, and she’s great at helping customers get the insurance information they need to find a great policy. In the summer, you can find her camping or quad riding with her kiddos. Bonus fun fact: she has an adorable Maine Coon kitty!

Rachael Erben

Rachael Erben
Personal Lines Account Manager
360-438-6708  x131
For nearly a decade, Rachael has been saving customers money. Being self-taught, she is not afraid to tackle new challenges. When not serving customers, you can find Rachael next to the campfire at one of her favorite camping spots across the Northwest.

Sheryl Pratt
Personal Lines Account Manager
360-438-6708  x 110
Sheryl enjoys spending time in the outdoors camping, fishing, and cheering her children on as they compete in motocross all across Washington state.  She also enjoys spending time with her friends and family whenever possible.

Holly Cline
Customer Service Representative
360-438-6708 x 142
Holly enjoys being creative by making beautiful jewelry, handmade cards, and anything crafty. She also loves watching movies with her family. She relates to Belle because she tries not to judge a book by its cover, and she sees the good in everyone.  
Jailene Ayala
Customer Service Representative
360-438-6708 x 135
Born and raised in Washington, you can find Jailene cuddled up with her son, drinking coffee and watching their favorite movies. She loves spending time with her family and friends, whether it be going on road trips or staying home cooking some good food together.