Stephen A Hoversten

FIC, CFFM, ChFC®
Photograph of Stephen A Hoversten

Stephen A Hoversten

FIC, CFFM, ChFC®

Modern Woodmen membership is about relationships. We take time to get to know you and your needs. Get to know me and how we might connect.

Contact Stephen A Hoversten
At work

At work

At work

Why I do what I do

Why I do what I do

I am so blessed to be able to make a living by helping others and their communities. Each day, I sit down and help people overcome financial concerns and obstacles. I also get to help my community with our fraternal programs and activities. It’s very rewarding to be able to do what I do.

I serve members in…

the central coastal region of California.

I can help you plan for life using a variety of tools, including…

life insurance, annuities, mutual funds and variable annuities.

I enjoy working with…

young families with kids. Considering my wife and I have two young children ourselves, I enjoy the opportunity to help these young families make the best financial decisions. We have made some of these same decisions in an effort to secure our family's financial future. The same applies to business owners who want the best for their employees and their company with my ability to engage in business planning and employee benefits.

I chose Modern Woodmen because…

from day one, I have been blown away that such an organization could even exist. One that is solvent instead of needing bailout money. One that cares more about the quality of life for its current membership than seeking profits at the expense of character and integrity. One that has allowed me to grow as a leader -- and consistently inspires me to be a better leader, both for my members and my community.

The best part of my career is…

being able to go home at the end of the day and know that I have made a positive impact in the lives of others, being able to sleep at night knowing how many families' futures I have protected, and waking up in the morning excited to do more of the good work we get to do as Modern Woodmen representatives.

A favorite moment in my career was when…

I helped a young family see that there was much more to protect than their mortgage. After all, isn't that really protecting the bank, rather than one's family? Another favorite moment was when a new member sat down in my office across from me at my desk and just melted into the chair, expressing how just being there lifted the financial burdens that had been weighing them down.

“My personal motto is to lead by example. I am definitely not perfect, but by focusing on this motto I am focused on becoming a better leader every day!”
At home

At home

At home

My life outside of work

My family includes…

my wife, Reina, my daughter, Rossilyn, and my son, Liam.

I’m passionate about…

my family and friends. And, of course, the San Francisco Giants & MotoGP!

My greatest blessing is…

my family. I can't imagine my life without them.

My personal motto is…

to lead by example. I am definitely not perfect, but by focusing on this motto I am focused on becoming a better leader every day!

My hidden talent is…

singing. As life has become more busy, my singing has become more hidden. These days it comes out mostly on road trips, or in the evenings as the family is playing Just Dance!

Also…

My wife and I love to play board games together and take our kids to the park, to the beach or out hiking. Let us know if you and your family have similar interests, as we love the opportunity to get to know other families on a deeper level. :)

Community impact

In the community

In the community

My local community impact

I have lived in my community…

my entire life!

What I like best about my community is…

how safe it is here in Scotts Valley. How perfect the climate is nearly year-round. How close we are to all things amazing, like beaches, forests, mountains, state parks, San Francisco, Monterey, the Silicon Valley ... I could go on and on.

I’m a member of…

the Exchange Club in Scotts Valley as well as the Santa Cruz-San Lorenzo Valley Lodge No. 38 of the California Free & Accepted Masons as a third degree Master Mason. I serve on the board of directors of Leadership Santa Cruz County and the Boys & Girls Cubs of Santa Cruz County. I am the finish-line director of the Wharf to Wharf. I am currently the president of the Scotts Valley Chamber of Commence and the president of the Santa Cruz Business Builders BNI chapter.

It’s very important to me to support my community. My favorite Modern Woodmen programs are:

volunteering alongside other Modern Woodmen members.

My favorite memory from a fraternal event is…

when we beautified the Scotts Valley Senior Center. Not only did we make an amazing difference with the work we did, but my whole family was involved! We even got a great picture of my then-7-month-old baby boy, who was in a hole that we dug to plant some flowers in, as if we were picking him fresh from the garden!!

Current insights

Current insights

PerkSpot Discount Program | Modern Woodmen

Have summer plans? Our PerkSpot program can help you save money on them! Members, sign up today!

Are you struggling to pay off college debt? They say you can't put a price on a good education, but those saddled with student loans may disagree. If you're established in your career and still paying off college debt, I can help. Let's talk.

Life Insurance: It’s Not Morbid, It’s Mindful

Life insurance for kids: It's not morbid, it's mindful. As a parent, life insurance may not be the most fun present you'll ever give your kids. But it's a building block that may benefit them longer than those stray Lego bricks you step on in the middle of the night. Let's talk.

Apply for a Do-Good Grant®️. You could receive $200 to donate dog food, toys and treats!

Contact

Contact me

Let’s connect

We can help you review your needs and plan for your financial future throughout life. (Learn more about Modern Woodmen's Planning for Life system and products.) Because Modern Woodmen is a fraternal financial services organization, we can also explore the benefits of being a member.

Your financial goal(s)
I’m interested in learning more about:
Modern Woodmen is licensed to sell life insurance and annuity products in most states. This information should not be considered a solicitation in those states where Modern Woodmen is not licensed.
Insurance Lic : CA 0H16529

Securities offered through MWA Financial Services Inc., a wholly owned subsidiary of Modern Woodmen of America, 1701 1st Avenue, Rock Island, IL 61201, 309-558-3100. Member: FINRA, SIPC. Products are available in most states. Individual representatives may not be licensed to sell all products. Check the background on either the firm or the representative on FINRA’s BrokerCheck.

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