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My experience has been with Pam. She is so responsive, helpful, and knowledgeable about insurance, and what fits your needs. She's very down to earth and good at explaining what... read more can be a confusing and overwhelming subject. I highly recommend her!

Pam and her team work diligently to get the best options for my Medicare drug plan. Annually they request information for price comparisons in November, they call at your appointment... read more time and you get to talk to a live person. I never worry about my new enrollments.

I highly recommend Pamela and the staff at DCD Financial & Insurance Services. I approached their office for help several years ago as I tried to sift through the... read more options as a new medicare client. With their guidance I was able to design a coverage package that met my health and financial needs. Each year the office reaches out to evaluate my current needs and balance them against the current insurance options available. They even guide me through the application process. I don't know how people navigate this process without DCD. I am grateful to them.

DCD Financial has always be professional and well informed in all aspects of health insurance information for their clients. I highly recommend them to people (especially seniors) who are... read more is looking for a health insurance plan that fits their budget and life style. DCD Financial makes my life less stressful when it comes time to renew my health insurance. I will always consult them when it comes to my health insurance questions or concerns. 😉👌

I highly recommend DCD and Pam, especially, for Insurance needs. They are local and understand our area and my needs. Thank you.

Pam keeps me on track. She saves me from hours of complex and confusing research. She knows my circumstances, she knows Santa Cruz's resources, and she can match them up.... read more She's like a symphony conductor who knows the score.

Pamela and her team are the best. They do the extra work in helping my husband and I find the best Medicare supplement plans and they assist us in navigating... read more the annual changes to the Medicare Part D prescription plans. We've saved so much money! Thank you DCD Financial & Insurance Services!

Pam is the best! Very professional & educated on the all the ins and outs of Medicare Insurance benefits. I appreciate her keeping in touch via emails with... read more important information. She & her team are so helpful in searching for the best coverage during open enrollment times. I have already recommended (& will continue to do so) several friends to her and they love her customer service too. I would use DCD and Pam's team for any other insurance needs as well. Thank you!

Just WONDERFUL ......RECOMMENDED .,.. Kevin M.

My Liabilities Insurance Broker referred me to Pam because he said she was the best and he was right. I have had significant medical expenses and thanks to Pam's expertise, I... read more haven't paid a dime. I highly recommend Pam for all your insurance needs.

I've had the pleasure of collaborating with Pamela Fugitt-Hetrick of DCD Financial & Insurance Services for several years regarding my small business insurance needs. After previous experiences with agents that... read more fell short of my expectations, finding Pam has been a breath of fresh air. She stands out as a beacon of professionalism, providing precise and well-informed advice. Her availability and readiness to assist whenever I need her support is something I deeply appreciate. Pam's expertise is matched by her kindness, making every interaction a positive experience. I wholeheartedly recommend her services to anyone in need of reliable and compassionate insurance guidance.

Pamela has been helping my husband and I with our Medicare choices for 7 and 6 years respectively. We have been very happy with her guidance. Pamela’s up-to-date knowledge about... read more options, and her dry sense of humor, have made navigating our health care choices relatively painless and occasionally fun!