Since joining Foy & Associates in 1988, Steve has led FOY & Associates in its mission to ensure each client receives maximum value for every dollar spent. With a profound commitment to the total client experience, he is responsible for every aspect of the agency’s operations, including risk management and commercial insurance, health and welfare, administrative/cost reduction services, and the personal lines department.

He holds a Bachelor of Science in Management from San Jose State University.

Cheryl Baldwin joined FOY & Associates in 2020 as the Property & Casualty Practice leader. She brings 20 years of industry experience in providing coverage and risk management to clients across a wide spectrum of industries. She leads the risk management team, dedicated to providing the best economical solutions to protect each clients’ financial interests. Cheryl has a Bachelor of Science in Management from Azusa Pacific University and holds the following coveted industry designations: Chartered Property Casualty Underwriter (CPCU), Certified Risk Manager (CRM), Certified Insurance Counselor (CIC), and Construction Risk Insurance Specialist (CRIS).

Since joining Foy & Associates in 2009, Ashley has mastered every aspect of the health carrier vendor market and is responsible for all relationships to drive coverage solutions and premium results. Her comprehensive experience allows her to work closely with your plan consultant to ensure every possible market is solicited to deliver the most competitive solutions that exceed your needs.

Ashley holds a Bachelor of Arts in Graphic Design from California State University Northridge.