Morris & Garritano is an independently owned insurance agency with a longstanding tradition of excellence. Headquartered in San Luis Obispo, CA with clients and representatives throughout the state, we have served as trusted advisors providing peace of mind through meaningful relationships and exceeding expectations since 1885. We provide a full range of brokerage services including employee benefits, property and casualty, personal insurance, as well as financial and retirement planning. With a strong dedication to integrity and personal service, we continue to provide essential insurance services that support our clients' needs. We are deeply rooted in the towns and neighborhoods around us knowing that our community remains strong when individuals succeed. Our team is committed to the success of our people, and we have been recognized with several awards and distinctions for our community impacts and our exceptional workplace culture. We believe that open communication, teamwork, caring leadership, uncompromising values, and sincere client orientation provide for a highly motivated work environment that supports both personal and professional growth for our employees, leading to unmatched service for our clients.

Remmel Solutions, located in San Luis Obispo, CA, stands out as a trusted insurance broker with a strong focus on employer benefits. With a wealth of experience catering to a diverse clientele, they have particularly excelled in working with self-funded clients, providing comprehensive support to both local and regional employers. This office of Remmel Solutions has established itself as a go-to partner for businesses in various industries. Their impressive track record includes serving esteemed clients such as Mattson Technology in semiconductor and electronic component manufacturing, Muir Orthopaedic Specialists A Medical Group in the offices of physicians sector, and Tencent America in the information industry. These partnerships underscore their versatility and effectiveness in meeting the unique needs of clients with 50+, 90+, and 150+ participants, respectively. Remmel Solutions demonstrates a high level of expertise across key sectors, including computer systems design, information, and offices of physicians. As part of a local brokerage firm, they bring a personalized touch to their services, understanding the nuances of the community they serve. Notably, Remmel Solutions has showcased its proficiency in assisting small employers, reflecting a commitment to catering to businesses of all sizes. With a local presence and a proven track record, this office is poised to deliver tailored solutions and unparalleled service in the dynamic landscape of employer benefits.

Cheryl Knapp O'Brien is a distinguished employee benefits broker based in San Luis Obispo, CA, renowned for her expertise and dedication to delivering tailored benefits solutions. With a deep understanding of the complexities of employee benefits, Cheryl specializes in crafting personalized plans that align with the unique needs of each organization. Her client portfolio showcases a broad range of industries, including a notable partnership with GRIMMWAY ENTERPRISES, INC., underscoring her ability to navigate the specific challenges and opportunities within various sectors. Cheryl's approach is rooted in a commitment to building lasting relationships with her clients, ensuring they receive the highest level of service and support. Her strategic insights and proactive management of benefits programs have consistently resulted in optimized outcomes for her clients, making her a trusted advisor in the field.