Who We Are
Our Mission
Empowering Businesses, Protecting Futures
Capitol Insurance Solutions is committed to delivering strategic insurance and benefits solutions that safeguard businesses and their teams. Through personalized guidance, integrity, and measurable results, our firm helps employers protect their operations, support their people, and thrive in an evolving world.
Our Values
- Collaboration: Working closely with clients to co-create benefit solutions that reflect each organization’s values and goals.
Expertise: Commitment to continuous learning ensures current, relevant insights across the benefits and compliance spectrum. - Integrity: Conducting business with honesty, accountability, and transparency, always prioritizing clients’ best interests.
- Empathy: Approaching every engagement with genuine care, recognizing the impact of benefits on employees and their families.
- Innovation: Leveraging data, technology, and creative thinking to develop forward-looking solutions that adapt to changing needs.
Our Dedicated Team
Our teamwork approach allows us to address the unique challenges, needs and objectives of each client with a broad perspective.
Andrea Murphrey
CA License #0C38122
Chartered Benefits Consultant
Andrea started her career as a paralegal before transitioning to the insurance industry in 1987. With over three decades of experience, she has built a strong reputation for her expertise and dedication to both professional growth and community involvement.
She is an active member of the California Agents & Health Insurance Professionals (CAHIP) and the National Association of Health Underwriters (NAHU).
Beyond her professional affiliations, Andrea is a member of Impact100 Greater Sacramento in addition to several other philanthropic causes, reflecting her deep commitment to giving back and strengthening the Greater Sacramento region.
Jackie Fitzhenry
CA License #4228649
Medicare Consultant and Property & Casualty Advisor
Drawing on experience managing a chiropractic office and overseeing residential properties, Jackie brings a unique, professional approach to helping clients navigate insurance with confidence. She currently assists individuals and organizations with Medicare transitions and comprehensive risk management.
Zhanna Kondratuik
CA License #4231063
Benefits & Financial Analyst
Leveraging a strong finance background, Zhanna assist the senior account team with specialized projects, in-depth cost analysis, and financial projections related to employee benefits and commercial insurance. Data-driven insights are used to optimize plan design, support client strategies, and enhance overall account performance.
Esther Kravchuk
Renewal & Admin Support Assistant
Provides administrative support to the senior employee benefits account manager by coordinating benefit and commercial P&C client renewals, managing documentation, and assisting with the shopping and quoting process. Ensures timely communication with vendors to deliver a smooth client renewal experience and accurate proposal comparisons.
Karin Alvarado
CA License #0D33154
401(K) & Retirement Specialist
Assisting organizations to optimize the structure and utility of their retirement programs, Karin takes pride in her high level of client service, her full fee disclosure, and the excellent financial education she provides clients to help them with their decision making.
Tim Murphrey
CA License #0722310
Certified Financial Planner (CFP ™) Estate Planning Attorney
Tim is the founder of Capital Wealth Management, a preeminent wealth advisory firm providing clients comprehensive financial planning, disciplined investment strategies and proactive personal service. Prior to entering the wealth management field, Tim worked as a CPA for Ernst & Whinney (now Ernst & Young). As a financial advisor, Tim earned the Chartered Life Underwriter (CLU), Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC) designation. In 1998, Tim completed Law School, expanding his wealth management practice to include Living Trusts and estate planning. Tim’s extensive training and expertise specific to accounting/tax, investments, and estate planning, allow clients to feel confident in achieving their retirement goals.
Maia Francis
CA License #4113148
Client Advocate & Senior Account Manager
A strong background in management positions has contributed to Maia’s proven track record of building trusted relationships by delivering tailored insurance solutions to a diverse client base.
Her passion lies in understanding each client’s unique needs and providing expert guidance and responsive service, ensuring every client feels valued and protected.
Beyond her professional expertise, Maia is deeply involved in community service through her work with the Alzheimer’s Association, supporting families affected by dementia. This blend of professional dedication and community commitment reflects Maia’s holistic approach to helping clients achieve peace of mind
Tori Fukushima
CA License #4102920
Employee Benefits Implementation Coordinator
Supports the senior employee benefits account manager by managing the seamless implementation of new group benefits programs.
Coordinates client onboarding, liaises with vendors, and ensures accurate administration to deliver exceptional service throughout the benefits setup process
Kathryn Scott
Director of Client Relations
Anyone who has called or come into the office can attest to Kathryn’s enthusiastic and upbeat personality. Her genuine interest and ease in interacting with people form trusting, meaningful and loyal connections. Her commitment to finding solutions and providing outstanding customer service set her apart and provide value to those we serve. We are honored to have her on our team.
Why Capitol Insurance
With over thirty years of being responsive, answering the phone and doing what we say we will do, Capitol Insurance Solutions has become a trusted advisor and advocate for businesses of all sizes and industries. Our goal is to exceed expectations, provide ongoing support and maintain competitive benefit programs specific to the unique needs and objectives of each client.
Proactive Solutions:
Service-oriented account managers that engage, support and advocate on behalf of our clients
Annual review to insure coverage remains appropriate and competitive based on the specific needs, demographics and clients budget
Secure all-in-one platform bringing together benefits, HR & Payroll to keep your HR processes running smoothly, efficiently, productive and compliant.
Contact Us
Looking for an out-of-the-box
solution or recommendation?
Let's Connect:​
(916) 927-6490
