Our Team at Bridgewater Benefits

Get to know the people behind Bridgewater Benefits

Luke Blanchard


Luke has been in the financial services industry since 2014. He specializes in risk mitigation with a large emphasis of his business in Property & Casualty Insurance, Life Insurance and Health Insurance. He thoroughly enjoys educating clients on their insurance choices and needs. He knows all clients are unique and makes sure they are being insured adequately based on their risk tolerance and philosophical approach to insurance. Luke and his wife, Natalie, live in Oakland. They have one daughter and a labradoodle named Noodle. Luke enjoys playing video games, golfing, and playing competitive baseball. He is an avid fan of the Minnesota Vikings, Seattle Mariners and Boston Red Sox. In addition to his other interests, Luke and his family love traveling and try to visit at least one new country a year. Luke graduated from UC Berkeley’s Haas School of Business in 2014. CA Insurance License #0I76779

Brian Gazzano


Brian has been in the financial industry since 2003 and focuses his efforts on helping clients assure the solidity of their personal insurance portfolio. His three areas of focus are risk management solutions, retirement income planning strategies and individual & small group health benefits. Brian assists his clients to meet their needs with the ongoing changes in the insurance landscape by identifying what is the best position for them, their families and their employees. Brian and his wife, Kristin, are both graduates of the University of San Diego and currently reside in San Jose with their two children. In his spare time Brian enjoys cooking, playing golf, watching his kid’s sporting events and rooting for the San Francisco 49ers. CA Insurance License #0D89170

Marcela Garcia

Account Manager

Marcela Garcia joined Bridgewater Benefits & Insurance Solutions in 2024. Marcela grew up in Mexico and graduated from Universidad Michoacana de San Nicolás de Hidalgo with a law degree in 2014. After graduating, she led the department of retirement and social services for the Workers of the State of Michoacán (ISSSTE). In her role, she advocated for the people's best interest by protecting their assets and preparing them for a better future. In 2015, she began working as a prosecutor. In 2019, seeking personal and spiritual growth, Marcela moved to the United States. Upon moving to the Bay Area, Marcela started working for Monterey Market and has developed a strong interest in Human Resources. Marcela enjoys continuing her education within Human Resource-related subjects, exercising, hiking, and exploring the beautiful landscapes of the Bay Area, as well as spending quality time with her family.

Our Team Is Driven By Client Satisfaction

Brought together by their desire to meet and exceed their clients’ expectations, Brian and Luke have been working together since 2014. As our two partners, Luke and Brian possess a deep and diverse range of experience.We combine unwavering dedication with an unmatched dedication to personalized client service.

Get to know the people behind Bridgewater Benefits, and discover the unwavering support and guidance that will accompany you on your financial journey.

Listen To What Our Clients Have To Say

To say that Luke and his team are amazing at what they do would be a huge understatement. Luke has helped my husband and I with our insurance for almost 5 years now, and I always know that I am in the best hands, and truly am getting the best price out there. He is proactive, and will go above and beyond to make sure we are well taken care of, and have the lowest prices possible. Every year he goes to market for us to make sure that we are getting the best deal….Choosing Luke and his team is going to be the best decision you have ever made.

Working with Luke has been incredibly beneficial for my business, as well as my family. Luke got my company setup offering employee sponsored health, vision and dental benefits. He took care of the entire process and made it extremely easy for me, and my employees,to understand. Being a small business owner, my attention constantly gets pulled in different directions, knowing that Luke was handling the employee benefits took a huge weight off of me. Luke is friendly, patient and always very responsive when I have a question.

Luke is our go-to guy for all things benefits!  When it was time to offer employee benefits to my growing staff, I was introduced to Luke Blanchard who facilitated the entire process.  From reviewing our options and helping us select the right choices to enrollment and providing top notch ongoing service and support as needed.  Luke has been wonderful to work with.  He is knowledgeable, responsive and available for questions, and even came on site to provide information for open enrollment.  I highly recommend Luke and Bridgewater Benefits.

Brian has been providing my company with health insurance since we first opened in 2017. Not only is his customer service exceptional, he is incredibly personable and is truly the best broker. I highly recommend him to any business or individual that is looking for health insurance assistance!

We’ve been working with Brian for over 15 years since our company’s inception, and he has always been super responsive, organized, and informative. He anticipates our needs, flags potential issues, and helps problem solve, putting our priorities first all the while securing us the best possible pricing.

Bridgewater Benefits has been a valued partner of our firm, guiding us through the complicated employee benefit renewal process. Their guidance in finding the right plan for our employees while reducing costs has been invaluable.

I enthusiastically recommend Luke for his stellar professionalism and unwavering levels of service. Luke has provided Rivet School with excellent health insurance services in the past year, saving us $10,500 annually with his customized recommendations. His communication has always been responsive, clear, and knowledgeable. Whenever we have a question, we can always rely on Luke to provide his expertise in a timely and thorough manner. I’m impressed with the fact that Luke balances a full roster of clients, and yet we’ve never felt like less than a top priority for him.

It is such a pleasure working with Brian. He is extremely knowledgeable and makes open enrollment so easy.

Working with Luke has been excellent! Our organization is small and still learning. Luke has been able to teach us everything we need to know about healthcare benefits, and how to deliver them to our clients successfully. Whenever we have questions, he’s always there to support us promptly and efficiently. Luke’s attention to detail and ability to explain those details without overwhelming ourselves and our clients is invaluable.

I have worked with Bridgewater Benefits on multiple clients over the past 10 years or so.  Brian and Luke are exceptionally responsive, very smart, and truly care about their clients.  They create tailored solutions to meet their customer’s needs and are extremely detail oriented.  They are top notch and I look forward to working with them for decades to come.

Brian is more than just an insurance agent, he is a true extension to our business. We have been working with him for over 15 years and we value his professionalism and long-term strategies to keep our business healthy. Brian is a trusted and valued partner.

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