Andrea Lutton
Senior Benefits Consultant
Direct Phone:  410-773-4115
Toll Free: 800 499-3033
Fax: 410-773-4118
Email:  alutton@psafinancial.com

Areas of Speciality:   Her strong benefits background encompasses health and welfare, retirement, and regulatory compliance expertise.  Andrea focuses on large group health and welfare plans with a strong concentration on self-insured arrangements.  Her consulting incorporates a wide variety of human resources and benefits expertise.  She possesses the knowledge to dissect and analyze the processes, implications and outcomes of benefits related issues, as well as their impact on the organization as a whole. 
technical analysis.

Professional Background:  Andrea has been in the Employee Benefits arena for 20 years.  Her career is comprised of progressive responsibilities from Benefits Specialist with Williams Holding Corp and Bose Corporation in the early 1990s on to Benefits Manager positions with STG, Inc. and BNFL, Inc.
In 2001 she transition into a benefits consulting role with the Washington DC office of Marsh (now Mercer) and has handled a book of business encompassing 10 – 15 clients since then.  In 2003 her career came to Baltimore with Huber Oros & Co, LLC.

Maryland life & health license

Philosophy:  It is paramount to bring an objective perspective when presenting resolutions and/or resources to a client so that the best decision may be made to address the specific or anticipated need.  Knowing a client’s business is an integral part of successful consulting.  My services are not just to provide market results to a client, but to insure that they are comfortable with the knowledge of the programs and making educated decisions.  Becoming a trusted partner at all levels of the organization is my goal at all times.