Our People

Joni A. Waldych

CBC, Principal


Joni brings more than 25 years of experience in both health and life insurance and human resources (HR) management to the team at Four Square.

Joni began her HR career in 1988 in the banking industry, developing and managing training programs for the largest savings and loan institution based on the Eastern Shore of Maryland. Her insurance career began in 1993 when she was hired by one of the largest insurance agencies in Maryland to merge two agencies together and develop policies and procedure to streamline operations.

She served as branch manager for a Professional Employer Organization (PEO) from 1996 to 2003. During this tenure she began working in the health & life insurance industry and found that there was a niche for an insurance agency that had expertise in HR, payroll and outsourcing to help educate companies on all aspects of employee benefits.

She launched Four Square (previously Innovative Benefit Solutions, LLC) in 2003 to serve the Mid-Atlantic and North East region.

During this time, the agency has held 98% client retention and has become one of the top Health & Life agencies in Maryland.

Joni was named by Insurance Business America as an Elite Women in Insurance for 2014 and was selected for the Insurance Business America Hot 100 2015 list of CEOs, local heroes, activists and entrepreneurs.

She holds the designation of Certified Benefit Consultant with National Association of Alternative Benefit Consultants and is PPACA (Affordable Care Act) certified by National Association of Health Underwriters. She is a past broker council member with CareFirst BlueCross BlueShield. She is active in her community serving as a Past Board Member for the Greater Ocean City Chamber of Commerce and past Health Care Task Force Chair for the Salisbury Area Chamber of Commerce. Joni resides in Ocean City, Maryland, with her husband and dog Jazz.

Lynn A. Creasy

Vice President


Lynn joined Four Square in July of 2006 as an Account Executive and now serves as Vice President. She specializes in health, life, disability, dental and vision insurance for groups and individuals located in Maryland, Delaware and Virginia. She graduated with a Bachelor of Arts from Frostburg State University in 1984 and also earned her Executive MBA from Salisbury University in 1990. She retired from Bank of America after 22 years of service.

She is active in her community serving as a Board Member of the Fruitland Chamber of Commerce, Board Member for Women Supporting Women, Member of Franklin P. Perdue School of Business Executive Advisory Council, and Eastern Shore Director for BNI (Business Networking International). Lynn resides in Salisbury with her husband and two daughters

Joanne Cropper

Client Service Manager


Joanne Cropper, client manager, has worked with Four Square since 2013 as a client service representative. Joanneā€™s professionalism makes her a valued member of the client management team. As client manager, Joanne manages day-to-day service and renewals for current clients. Joanne has more than 15 years of customer service and business experience.

Ted Cogswell

Account Manager


Ted Cogswell joined the team at Four Square in August 2016 as an account manager. He is licensed in Life and Health with 10 years of insurance experience. Prior to his insurance career Ted spent many years in customer service and production management in the printing industry. His outside interests include serving his church, time with his family, surfing and blues music.