Marc Miner, CFP ®
Marc Miner is a Certified Financial Planner™ professional and has been working in the financial services
industry since 1995. He earned a Bachelor of Science from the University of California at Davis where he
was also a member of the football team. Marc’s mission is to develop long-term relationships with
clients based on trust and confidence. Maintaining a good reputation and offering flexible strategies at
competitive prices helps his clients pursue their financial goals. In his personal time, Marc enjoys
spending time with his wife (Zhanna) daughter (Alex), and identical twin boys (Jax and Merx).
CA Insurance License #0B66407
Nicholas Melnik is the client services manager responsible for all aspects of client account
administration and satisfaction. He has obtained his associate degree in business administration at
Folsom Lake College and is pursuing his bachelor’s degree in business-marketing at California State
University, Sacramento. He is hard-working, meticulous, and diligent in creating genuine and synergetic
relationships with the MFI clientele and team.
Client Services Manager
Nicholas is devoted to his church and serves as the high school leader on the church youth team. In his
spare time, he enjoys watching UFC fights, traveling, and spending quality time with his girlfriend,
family, and friends.
Ellen is the personal lines manager responsible for overseeing clients’ insurance needs and services.
She’s been part of the MFI family since 2018 and is on a mission to help customers make the best
choices with their home, auto, umbrella, etc. Excellent customer service and insurance strategy is her
passion. She is organized, creative, and ready to take on any challenge to help the MFI clientele. Ellen is
a native Californian with a Belorussian heritage. In her spare time, she is a professional doodler, amateur
traveler, and a caffeine-dependent life form that enjoys music.
Personal Lines, CA Insurance License #4231094
* Ellen Protosovitskaya is not associated with LPL Financial.
Joseph Ryan is a Navy Veteran and a native of Northern California. He joined Miner Financial &
Insurance in 2012 and brings 20 years of experience and expertise to the team. His background in
property and casualty plays an essential role in assisting and advising clients in all lines of commercial
insurance. Clients are Joe’s number one priority as he strives to provide the highest quality service and
advice. Joe is a member of the Cameron Park Rotary club and donates his free time to a number of
different charitable organizations benefiting children.
Commercial Lines, CA Insurance License # 0B14610
* Joseph Ryan is not associated with LPL Financial..
Irina Melnik is a health benefits manager at Miner Financial & Insurance, where she supervises the
benefits for the agency’s clientele. With over a decade of customer support and management
experience, Irina prides herself in providing excellent and efficient administrative service.
Irina migrated to the United States in 1995 from Ukraine and has an Associate Degree in Early Education.
She serves as a faithful volunteer at her church where she leads the hospitality team. In her spare time,
she loves traveling and spending time with her family.
* Irina Melnik is not associated with LPL Financial.
Zhanna joined the financial services industry in 2013. She obtained a bachelor’s degree in nursing from
California State University, Sacramento. Zhanna enjoys listening to clients’ needs and helping them
make sound decisions based on their goals. She brings strategy, creativity, and structure to the Miner
Financial team. In her personal time, Zhanna enjoys spending time with her family as well as exercising,
snowboarding, and traveling.
* Zhanna Miner is not associated with LPL Financial.
Miriam Gershenson has been in HR for over 18 years. She has earned
her Master’s of Science from Golden Gate University. Coming from a
family in the medical field, the importance of health benefits has always
been a priority for her. In her 18 years in the human resources industry,
Miriam has focused on providing the best possible benefits for
organizations and acted as an advocate for all employees. In her spare
time, Miriam enjoys spending time adventuring with her husband
(Albert), and two dogs (Dalek & River), gardening, and upkeeping her
Little Free Library.
Benefits Consultant, CA Insurance License # 4209605
* Miriam Gershenson is not associated with LPL Financial.