Who We Are Karen R. Hammond, ChFC Founder and President (703) 849-1200 (703) 849-1276 firstname.lastname@example.org Karen R. Hammond, ChFC is the President of The Hammond Agency, Inc. which she founded in 1980.Karen is a Past President of the Northern Virginia Association of Insurance and Financial Advisors (NVAIFA). She was a charter member of the Association of Health Insurance Agents (AHIA) and is a current member and past board member of the Society of Professional Financial Advisors. Karen is a Past President of the Greater Merrifield Business Association and currently serves on their board.Karen is a Life and Qualifying Member of the Million Dollar Round Table*, and as such she enjoys recognition as one of the top 6% of insurance professionals and financial advisors around the world. By passing a series of examinations on financial topics, Karen earned the designation of Chartered Financial Consultant (ChFC).Outside of her business and community involvements, Karen serves in her church as Employment Advisor to anyone seeking employment or better employment. She also loves working with the youth because they help keep her young at heart. On the other side of that spectrum, Karen is writing a book on aging with grace and living a life with few regrets.Karen resides in Falls Church with her husband, David. She is the proud mother of four children and four grandsons.* Members qualify for the Million Dollar Round Table (MDRT) based on meeting a certain level of premium, commission or income during the year in addition to meeting ethical standards David L. Daniels Owner and Vice President of Finance (703) 849-1200 (703) 849-1276 David, a graduate of Northwestern University in Chicago, joined The Hammond Agency in 1990 after retiring from a distinguished career in the United States Navy. David is a life member of the Million Dollar Round Table*, which puts him in the top 6% of insurance in the world. David is also one of the 270 members in good standing of the Northern Virginia Association of Insurance and Financial Advisors.One of David’s key roles is to negotiate rates and contracts with our vendors on behalf of our clients. David won’t stop until he is convinced we have the very best rate and the best contractual provisions that can be obtained. This is an ongoing process for our existing customers as well as for potential new clients.Our philosophy with our vendors is this: they are partners at the table with us. We are all working toward the best possible solution for our joint clients and our vendors appreciate this unique approach.David also frequently comes to the table with creative ideas. If there is a better way, David will work with the vendors to come up with solutions that make sense. Our long term satisfied customer base and customer retention rate is a testament to David’s abilities to pull out the best rates and contractual provisions from our partner vendors.David enjoys walking in his spare time and can be seen almost daily logging in somewhere between 4 and 8 miles on the walking trails in and around Merrifield. He is also a huge sports enthusiast for all of the D.C. sports teams, especially the Redskins and the Nats.* Members qualify for the Million Dollar Roundtable (MDRT) based on meeting a certain level of premium, commission or income during the year in addition to meeting ethical standards. Nikki Doremus Owner and Vice President of Operations (703) 849-1200 (703) 849-1276 With her 20 years of experience working with our clients and vendors, Nikki helps ensure the best possible experience for each of our valued patrons.While our goal is to place our clients with quality vendors and have things run as smoothly as possible, it is inevitable that problems will arise from time to time. Our motto, “Do it, do it right, do it right now” becomes our mantra when solving the day to day issues that come up. This motto is clearly evident in the way that Nikki handles the operations of our organization.The Hammond Agency, Inc. is an independent firm. We have no quotas with any vendor. This allows us to seek out the best possible rates, relationships, and contractual provisions for our clients. One of Nikki’s key roles with our agency is to maintain and foster relationships with our many vendors so that she can act as advocate for the most important members of our team, our clients.We have an open door policy with our vendors. If they have something we need to know about, we want to hear about it. Many vendors have told us how much they appreciate the open door access to our agency. Our continued good relationships with our vendors will help assure we will be able to solve any and all problems or issues that might arise, and smooths the way for Nikki as our advocate.Nikki is a qualifying member of the Million Dollar Round Table* and as such is numbered among the top 6% of insurance advisers in the world. She is also one of the 270 members in good standing of the Northern Virginia Association of Insurance and Financial Advisers.Nikki is deeply involved in the community, where she spearheads a committee in her church to provide basic essentials for starting college life to students from foster care who are entering college. She works hand in hand with Foster Care to Success to identify these at risk youth and to be sure their needs are supplied.Additionally, Nikki serves on the Board of the Greater Merrifield Business Association as the Secretary/Treasurer.Nikki joined The Hammond Agency in 1995, and is totally committed to our client’s well- being.Nikki lives in Herndon with her husband Jeff and her son Sam. * Members qualify for the Million Dollar Roundtable (MDRT) based on meeting a certain level of premium, commission or income during the year in addition to meeting ethical standards.