
ABOUT US
At Personal Risk Management Solutions, we focus solely on personal insurance, unlike other brokerages where the focus is commercial, health, and benefits.
We work with our clients and their trusted advisors to help them make better choices for their families, whether it is managing risk, transferring risk or self-insuring risk. Once our client has made their selections, we become their advocate in implementing the program and navigating the insurance process.
Our Story
We are proactive and service oriented.
Personal Risk Management Solutions has recruited and trained the best talent to serve your personal insurance needs.
Our goal is to deliver the highest standard of service while advocating on your behalf.
Meet Our Management Team

Celia Santana
President & Chief Executive Officer
Celia began her career in the high net worth space over thirty years ago at Chubb Insurance where she discovered her passion for the business. In her last job at Chubb Insurance she managed a large portfolio of personal insurance clients and was a senior executive with a significant P&L responsibility. Celia’s unique expertise provides her clients with tailored personal risk management recommendations that lead to personalized solutions. Celia’s clients include family offices, public figures, entrepreneurs, wealth advisors, business titans, fine art collectors, divorcing couples and more.
Celia was named an Elite Woman in Insurance in 2021 & 2022. She is on the board of the Private Risk Management Association, the preeminent organization providing education and leadership in the high net worth personal insurance industry. She is also on Chubb’s National Agency Council, providing critical feedback to their senior leadership. She was named one of the Top 50 Women in Private Wealth by Private Asset Management Magazine in 2015. Celia has been a featured speaker at Working Mother Media’s Annual Conference, the Metro Roundtable and the National Association of Insurance Women. She has also been featured in the Wall Street Journal, AOL’s Daily Finance column, Investment News, Independent Agent Magazine, American Agent & Broker Magazine, Careerbuilder.com and various other media outlets. Celia is a graduate of Wesleyan University. She volunteers her time with A Better Chance and the National Hispanic Scholarship Fund.
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Dale Krupowicz
Chief Operating Officer & Partner
Dale has spent her entire 30 year career working on the personal insurance agency side of the insurance business. She has specialized in the high net worth arena, serving the personal insurance needs of successful individuals and families. Dale is responsible for all aspects of operations including client experience, insurance company relationships and talent management. Dale is often consulted by senior level insurance company executives on innovation and new customer creation. She works with several of the best insurance carriers to customize programs for clients all over the country, and internationally, including some of the largest art collectors in the world and industry moguls. Dale has a Bachelor’s Degree from Mercy College and a Certified Advisor of Personal Insurance (CAPI) Designation from Wharton, which is an exclusive designation given to only an elite group of personal insurance professionals. Dale is considered an expert in the business and has been featured in Investment News, Rough Notes, ThinkAdvisor and Property & Casualty 360. She was named one of the Elite Women in Insurance by Insurance Business America in 2016. Dale is a member of the Private Risk Management Association

Linda Graef Jones
Chief Sales Officer & Partner
Linda began her career in the financial services field in 1977 as a corporate banker with JP Morgan handling Fortune 500 companies. In 1986 she retired from her role as a Vice President to raise her family. During the next two decades, she held leadership positions with multiple nonprofit organizations. In 2009 Linda joined PRMS as a Private Client Sales Executive where her success led to multiple promotions including her current position, Partner & Chief Sales Officer. In addition to managing relationships with trusted advisors, Linda provides advice and solutions to new clients as they endeavor to understand and improve their insurance program for personally owned assets. She has a stellar reputation and impressive client roster. Linda has been named an Elite Woman in Insurance by Insurance Business America in 2016. She is a graduate of Duke University, and also received her MBA in finance from the Wharton Graduate School of Business. Linda is active with several non-profit
organizations.

Kelly McCleaster
Vice President
Kelly has been working in the insurance industry for 18 years. She started her career at a direct writer where she worked in the claims department and gained a significant amount of knowledge about claims handling on the company side of the business. This valuable expertise has set her apart when she changed directions and started working on the agency side of the business, specifically for private clients. Kelly has been with PRMS since 2011. She works alongside the Partners supporting all special projects and marketing efforts. She is involved in the firm's largest accounts especially in the event of large losses and complicated issues. She is a senior member of the team and the firm's yacht specialist. She graduated from Lock Haven University with Bachelor degrees in Sociology and Criminal Justice. She is a Certified Insurance Service Representative (CISR) and A Legal Principles Claims Specialist (LPCS).
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Lindsey Jordan
Assistant Vice President & Operations Manager
Lindsey joined PRMS as an entry level associate where her success, determination and passion led to multiple promotions over the last several years including her current position, Assistant Vice President and Operations Manager. Lindsey is involved in all aspects of the business. She is responsible for PRMS’s general business operations, which includes accounting, vendor relationships and licensing. She is heavily involved in our marketing efforts, client relationships and VIP claims. She manages and oversees our administrative staff. Lindsey graduated from Marist College with a Bachelor’s degree in Communication and Advertising.
Lindsey Jordan was named by Insurance Business America as a Rising Star of 2022. The award recognizes achievements, goals as well as contributions to the industry.








