About Us
We’re here to understand what matters most to you and then to help you protect those things–it’s about making financial sense.
Making Financial Sense
Our Agency
Welcome to our family-run insurance agency, nestled in the charming heart of Rancho Santa Fe.
We proudly serve clients across California, offering a customized approach to insurance that reflects our values as a husband-and-wife team. With our family actively involved in the business, we strive to create a welcoming environment that fosters lasting relationships and a strong sense of community.Insurance can often feel overwhelming, but our mission is to demystify it. We believe in educating our clients, empowering you to make informed decisions that align with your needs, and protect what matters most. Through a thoughtful process of strategic review, design, and implementation, we develop comprehensive policies tailored specifically for your family and business.
At our agency, we aim to simplify the complexities of insurance, making it clear and manageable for you. We strive to help you navigate it all, ensuring you and your loved ones peace of mind. Together, let’s embark on this journey to secure your future—because we believe in making financial sense every step of the way!
Meet our team
Dedicated team of professionals
Get to know the talented individuals behind our travel agency
John Pollard
Insurance & Financial Services Professional | Co-Owner
Phoebe Chongchua Pollard
Director of Operations | Co-Owner
Kent Kerner
Insurance Sales Associate
With a solid foundation in financial services and a dynamic career spanning over a decade, Kent Kerner is a seasoned professional currently serving as a Sales Associate at CA Insurance Now. He brings expertise in secondary marketing analysis and lock desk operations, honed through previous roles at Residential Wholesale Mortgage, Inc. and MCT, where he developed strong analytical and operational skills.
Kent holds a Bachelor’s Degree in Psychology and a Minor in Business Administration from the University of Arizona (2009–2013). He leverages his analytical expertise and commitment to understanding customer needs to deliver exceptional service and personalized insurance solutions, ensuring clients receive the best coverage for their unique situations.
Kent is based in San Diego, California, where he continues to grow his career in the insurance and financial sectors. In his free time Kent enjoys playing tennis where he regularly competes in local leagues and tournaments.
Siena Ledger
Quoting Specialist
Siena Ledger is a dedicated professional with experience in insurance quoting for auto and home insurance carriers across California. Known for her keen attention to detail, Siena plays a vital role in supporting our team by collecting and inputting essential client information, assessing coverage needs across multiple carriers, and preparing comprehensive files for our sales team.
Siena graduated from Cal State Fullerton’s BFA Acting program cum laude. Before transitioning to the insurance industry, Siena worked in the documentary film industry, where she managed client services for filmmakers, honing her skills in relationship-building and project management. Her diverse background enables her to bring a unique perspective and creative problem-solving approach to her work.
In her free time, Siena is a passionate playwright, using her creativity to craft captivating stories for the stage. She is also a certified yoga teacher, an avid hiker who loves discovering new trails, and an active participant in her local arts community.
Karen Honer
Customer Service Representative
Karen Honer is our Customer Service Representative (CSR). She combines her problem-solving skills with a people-first approach to handle any challenge with confidence and care. Whether resolving a complex issue or finding ways to simplify processes, Karen’s mission is always the same: to ensure every customer feels valued, supported, and heard.
Karen’s background includes roles as a Claims Adjuster at Progressive and a Subrogation Adjuster at GEICO, where she gained experience in claims resolution, risk management, and building strong customer relationships. These skills shaped her into a thoughtful and effective problem solver who understands the importance of putting clients first.
Outside work, Karen channels her creativity through writing, blogging, and sharing stories at open mic nights. She also enjoys beach days and staying active, bringing her passion for self-expression and personal growth into every aspect of her life.
Our Approach
We are here to help protect and guide you.
We are your comprehensive resource for all your insurance and financial needs. We research, investigate, and write on topics that help you Make Financial Sense of your insurance and finances. The insurance industry is full of confusing and misleading information. We break it down and help you understand what you need and why. Have a question? We love to chat about insurance and financial services; feel free to contact us today.
Whether it’s home, auto, life or commercial insurance for your farm our winery, our team of insurance professionals is here to help you protect what matters most.
Live Fit Magazine
We don’t just insure wineries and farms, we travel to learn about them– to see the vineyards, and explore wine regions and farms. Then we write about our adventures over at Live Fit Magazine.