Founded in 1980, DPW Benefits is the industry leading business risk consulting firm with a focus on employee benefits. We help clients improve their business performance and protect against uncertainties. Headquartered in Utah, we think globally but act locally, with personal services designed specifically for each individual client.

We can help you navigate the heath care landscape and prepare a strategic plan for the future.

We work in long-term partnerships with clients, getting to know them and their business. We help them design, achieve and maintain long-term objectives.

Certifications, Designations and Memberships






Clair NaylorPrincipal
Clair joined DPW Benefits in March of 2002.

From 1998 to 2002, Mr. Naylor was President of AmeriBen Solutions, a third party administrator.

Prior to joining AmeriBen, Clair was Senior Vice President at First Health Strategies. He directed corporate central operations, including eligibility, client setup, system support, training, COBRA, provider networks and electronic data interface. Previously, he directed sales and services for the Houston, TX office and Detroit, MI offices.

Clair holds a Master of Business Administration degree and a B.S. in Business Management

Carl RoestenburgPrincipal
Having cofounded Walker Insurance Agency 25 year ago, Carl Roestenburg recently brought his talented and knowledgeable team to DPW Benefits where he now serves as one of three principals.

Carl is a veteran in assisting employer groups of all sizes with their design, selection, implementation and management of benefit packages for their valued employees. He has been invited to serve on most Broker Advisory Councils of insurance companies represented in Utah and is a respected source of employee benefit design and compliance. He is passionate about transparency and clear communication with clients, and in building long term relationships based on trust and mutual respect.

When not working, Carl can be found enjoying gentleman farming and gardening with his wife Karen and spending valuable time with his children and grandchildren.

Todd SteinickePrincipal
Todd began his career in the insurance industry in 1995 when he joined Pacific Service Insurance as an independent agent and consultant. In 2000 he was made president of Pacific Service and is now a principal of DPW Benefits.

Todd has helped employers of all sizes obtain solution-oriented benefit plans. He uses a client-centric approach in analyzing and benchmarking market trends to match the client with available products. He has extensive training and experience with compliance and healthcare law. In recent years he has been heavily engaged in healthcare legislation on a local and national level. Todd has served on broker advisory boards for several carriers and is a Past-President of the Utah Association of Health Underwriters in 2008 – 2009. He has studied Business Management at University of Phoenix and Weber State University. Todd is a licensed Consultant in Health, Life and Disability insurance. Interests include golfing, mountain biking and time with his family.

Bret Kinghorn
Bret is a 1992 graduate of Georgia State University in Atlanta, Georgia with a degree in Business Administration. He began his career in employee benefits that same year. He was employed by Business Men’s Assurance Company of America in a variety of sales and management positions that focused on the sale of group medical, dental, long and short-term disability, life, voluntary products and stop loss insurance, both in Atlanta, Georgia and Salt Lake City, Utah.

Bret and his father Keith started TotalPlan Benefits, Inc. in 1997. In early 2000, TotalPlan Benefits merged with Davis Benefits, a firm with more than 20 years’ experience in the employee benefits field. In 2010, Pacific Service Insurance merged with Davis Benefits and DP Benefits was formed. In 2017, Walker Insurance merged with DP Benefits to form DPW Benefits. DPW Benefits is a unique mixture of the strengths of all three entities. The merger has created a benefits firm with a variety skills and expertise. The firm works with a wide range of employee benefits and employers of varying size. Service continues to be the number one commitment of DPW Benefits.

Bret is an active member of the Utah Association of Health Underwriters, having served as the President of the Salt Lake Chapter. He is also a member of the Wasatch Chapter of the Utah High School Basketball Officials, serving as its president and the state president. He is certified by the National Federation of High School Officials and the NCAA as a basketball referee. He also referees for the NBA’s Utah Jazz in their preseason preparation. He and his wife, the former Maureen Riley have six children, Alex, Jenny, Suzy, Matt, Jack and Cory as well as two grandchildren, Georgia and June.

Josh Schreiber
Josh has been a Broker with DPW Benefits since 2007, graduated with a bachelor’s degree in accounting from Utah State University. His health insurance career began at IHC Health plans in 2002, which experience prepared him with a rich insurance background and an understanding of their internal workings.

Josh’s areas of expertise are working with business executives to design and implement successful employee benefit strategies and helping families and Medicare eligible individuals through their private insurance options.

Josh’s strategies have helped his clients save hundreds of thousands of dollars in insurance premiums and claim’s costs.

Jared Jambor
A 5th generation Arizona Native, Jared graduated from Arizona State University, with a degree in Business Administration.

Jared brings his experience in positioning businesses for strategic growth and overall “People” operations to one of the most critical line items within any organization!

With Jared, DPW has expanded to growing the Arizona market share with an Agent you can trust!