Chris Campisi

Chris Campisi has a long history of giving back to the community.  He is a trustee for the Mowat-Wilson Syndrome Foundation and a board member for Easter Seals Central California.  Additionally, he supports the development of non-profits that fosters active partnerships between local educational institutions and the local business community that are services by his firm. The goal is to develop career opportunities and diversity for young men and women in our community.

In mid-2016, Chris Campisi was again looking for opportunities to give back to the community.  Synergizing his career and his passions were a logical next step; consequently, he began evaluating health insurance rates on the Monterey Peninsula.  Upon comparing our rates to rates in other areas he realized that Monterey and the surrounding cities were unbalanced.  Chris set out to find the cause and to right this wrong.  He later discovered an amazing lack of competition within the Monterey Peninsula health insurance markets and the majority of businesses providing insurance to their workforce were small businesses with less than a hundred employees.  Subsequently, he approached the Monterey County Hospitality Association with his desire to help them establish a Voluntary Employee Benefits Association Trust to allow small businesses to leverage the size of the MCHA membership to purchase employee health insurance as a large group.


Matt Kremer

As Director of Operations, Matt’s deep rooted experience in business management and leadership is a real asset.  He obtained a BA in English Literature at The Ohio State University and in 2010 earned his MBA specializing in Acquisitions and Contract Management from the Naval Postgraduate School, Monterey, CA.

He is a 20 year US Navy Veteran, having served as a supply officer.  His career was highlighted by tours as Military Faculty at the Naval Postgraduate School in the Masters of Business Administration curriculum, Assistant Program Manager in the Navy Command and Control Program Office (PMW 150), and Supply Officer, USS CURTS (FFG 38), where he was responsible for all facets of shipboard logistics including budgeting, inventory control, food and hotel services, and cash management. Matt joined the Monterey Hospitality Benefits Group Team in 2017. Matt, his wife, and three children reside in North Monterey County.


James Palaniuk

James is a lifelong resident of the Monterey Peninsula and one of the Account Executives at MHBG, Inc.  He graduated from York School in 2011.  Upon graduation he received an athletic scholarship to Lenoir-Rhyne University in Hickory, North Carolina.  However, his heart belonged to the Peninsula; he returned after one year to be coached by Chris Zepeda at Hartnell College.  He was mentor by Coach Zepeda for a year and a half before moving to California State University, Monterey Bay where he graduated in 2015 with a Bachelor’s of Art in Psychology.  He graduated Cum Laude with distinction.

He joined Campisi Financial and Insurance Services in 2012.  He earned his Life, Accident, and Health and Property Producer license in 2016.

James is an avid amateur athlete with passions for cycling and running.


Justin Loza

Justin Loza is one of the Account Executives at MHBG, Inc. and will work closely with MCHA members to have a smooth transition onto the MCHA Health Trust.  Justin grew up in the hospitality industry while working at his father’s restaurant, Cadillac Café, since the age of eight.  He is intimately aware of the special health needs that the hospitality industry desperately need and looks forward to help MCHA members gain access to high-quality, affordable health insurance benefits. He recently completed a master’s program at the Middlebury Institute of International Studies at Monterey with a degree in Public Administration. Also, Justin is a U.S. Air Force veteran and has dedicated most of his professional career to serving others in the military, public, nonprofit, and private sectors. His favorite thing about Monterey is the fog. Most people probably think of fog as dreary and cold, but it gives him life and energy. He grew up on the Santa Cruz coast where the fog rolls in a crisp air and wonderful smell of the sea.