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Why Create Liberty Benefit Advisors

The health of our private and public sector institutions is at risk. We need to take control now in order to continue providing quality healthcare to your employees, while decreasing the burden on employers.

How Do We Do It - Unbundled Health Plans

Through his unique partnership with Crumdale Partners, Liberty Benefit Advisors is able to access best-in-class products, programs, and solutions that may greatly reduce costs and enhance the member experience.

  • Alternative funding mechanism

  • Unbundled TPA services

  • Unbundled PBM services 

  • Innovative Stop Loss programs

  • Best-in-class contracts, terms, and conditions

  • Fortune 500 pricing for the small and mid-market

  • Alignment with Client goals & objective

Who Do We Serve

LBA serves all of those who are tired of receiving double digit increases year after year. We serve organizations that are ready to challenge conventional wisdom and focus instead on innovative strategies.

John DiMartino, CSFS
President, Founder
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John "JD" DiMartino is the President and Founder of Liberty Benefit Advisors.


Owning and operating an employee benefits consulting firm has been a long time goal for JD. Beginning his career at the largest mid-market broker in the country, JD learned a considerable amount about the industry. The more he learned, however, the more he began to question the status quo practices of the brokerage world. Is shopping a health plan at renewal really the general extent of the services a broker provides? After years of experience with the same strategies of shopping at renewal and presenting clients with a "less bad" renewal every year, JD decided to charter a different path. 

A Better Way Forward

JD set out to learn from top brokers, consultants, and solutions providers around the country. What solutions have the most innovative brokers and consultants around the country implemented to mitigate the rising cost of healthcare? What solutions were available to support plan members in their time of need? How are these plans set up and serviced to provide maximum efficiency?

JD learned from innovative TPAs, pharmacy consultants, stop loss providers, and consultants who have implemented these types of programs. It became clear that the best way forward was through the use of unbundled, alternatively funded programs.

Accordingly, JD set out to obtain a self funding professional designation and earned the designation as a Certified Self Funded Specialist (CSFS).

Relationships Matter Most

During this time JD had the privilege of meeting and vetting dozens of employee benefits solutions providers. One stood out among them, Crumdale Partners. JD began working with Crumdale Partners in 2017 and the relationship quickly yielded exciting growth by way of fulfilling Liberty's mission of mitigating costs and enhancing the member experience. Because of this unique philosophical alignment, Liberty became a part of the Crumdale Partners suite of companies in November of 2018.

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Our President

About-Our President
Adam Karalius
Employee Benefits Practice Leader
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Adam is the Employee Benefits Practice Leader overseeing Liberty's account management and underwriting teams nationwide.  With nearly 25 years of experience in employee benefits, he ensures that Liberty's clients consistently receive exceptional service and best-in-class products.   

During his carrier, Adam spent 20 years in the retail employee benefits brokerage space holding progressively responsible roles.  Most recently, he served as a practice leader in the employee benefits division of the Graham Company.  In that capacity, Adam led the underwriting, data analytics, and client-services teams in addition to managing a book of business.  He transformed the service model at Graham, training production and account management staff to be self-funding experts.  In addition, he created a stop loss consortium for Graham clients.  Prior to Graham, Adam was a lead consultant with NFP, managing a book of business of mid-sized to large employers.  He began his career with Prudential Healthcare as a group underwriter of medical and dental health plans for local and national accounts, ultimately progressing to leading an underwriting unit overseeing 1,500 accounts in 23 sales offices.

Adam earned his undergraduate degree in Mathematics from Goucher College in Baltimore, MD.  He earned his Group Benefit Associate (GBA) designation and Compensation Management Specialist (CMS) designation from the International Foundation of Employee Benefit Plans and the Wharton School of Business of the University of Pennsylvania.  

Practice Leader

About-Your Team

Account Team

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Mark Lopez

Sr. Account Manager

Mark spends his days working on renewals, assisting members, and implementing programs.

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Rima Shah

Account Manager

Introduce your team! Click here to add images, text and links, or connect data from your collection.

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Ramonda Lakkis

Public Entities Specialist

Ramonda is a public sector specialist. She spends her days servicing the unique needs of public entities.

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Eric Emerson


Eric is our resident Pharmacist. He spends his days making clinical recommendations for clients.

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Ivana Marcial


Ivana spends her days working on renewals, marketing insurance coverages, and managing projects.

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Kathy Ingenito

Public Entities Consultant

Kathy  is a public sector consultant. She spends her days advising public entities on health benefits.

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Matt Naylor

CEO, Crumdale Partners

Matt is the CEO of Liberty Benefit Advisors and CEO of Crumdale Partners, Liberty's Parent Co.

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Brian McTear

President, Crumdale Partners

Brian serves as the President of the Crumdale Partners broker wholesale division.

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Jake Willcox

EVP, Crumdale Partners

Jake is the EVP and CRO for Crumdale Partners and President of Transformation Rx.

Corporate Leadership

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Rob Adams

CFO, Crumdale Partners

Rob Adams is the CFO for Liberty Benefit Advisors & all Crumdale Partners related companies.

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Joe Sweeney

COO, Crumdale Partners

Joe is the COO for Liberty Benefit Advisors, as well as our parent company, Crumdale Partners.

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Jason Lohman

COO, Transformation Rx

Jason is the COO of Transformation Rx, Crumdale's pharmacy consulting division.

Corporate Leadership
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