Business Development

Lance McNeel, CPCU, ARM
Vice President of Business Development

Lance McNeel - Capstone Associated Vice PresidentEducation

  • B.A. in Economics awarded by the University of Texas at Austin, 1979.
  • Chartered Property & Casualty Underwriter (CPCU) awarded by the American Institute for Chartered Property and Casualty Underwriters. The CPCU is widely considered the premier designation in the property and casualty insurance industry.
  • Associate in Risk Management (ARM) awarded by the Insurance Institute of America. The ARM designation reflects extensive education in risk management and insurance.


Mr. McNeel is Vice President of Business Development for Capstone Associated Services, Ltd. Lance brings over 30 years of experience in all areas of the insurance industry, including property and casualty insurance, life and health insurance, and reinsurance.

Mr. McNeel served as Vice President for AmGRIP, a division of Victor O. Schinnerer (Marsh subsidiary), where he was responsible for the development of exclusive underwriting programs with insurers and large self-insurance pools.

Mr. McNeel’s duties included responsibility for underwriting and broking reinsurance placements for clients, marketing the programs to independent agents and brokers nationally, manuscripting policies and endorsements and designing efficient workflows. During his tenure at AmGRIP, Mr. McNeel was an integral part of a three-person team that wrote and presented the successful proposal to the newly formed Texas Workers’ Compensation Insurance Fund (now called Texas Mutual Insurance Company) to administer the underwriting and marketing operations for the Fund on an outsourcing basis. The bid was released in early November 1991 and awarded to AmGRIP in the first week of December 1991. The first policy was written on January 1, 1992, and Texas Mutual is now the largest writer of workers’ compensation in Texas with a market share of just under 40%. As a result of this contract, AmGRIP grew from an operation of 30 employees to over 250 employees in less than a year.

Mr. McNeel also served as Site Manager for a division of Computer Sciences Corporation that provides business process outsourcing to the insurance industry. Mr. McNeel managed the Houston office that provided administration of over 300,000 life insurance policies with 50 employees. The operations reporting to Mr. McNeel included Client Services, Underwriting, New Business, Claims, Accounting and Compliance.

Below are some articles written by Lance McNeel, CPCU, ARM

Steve Lonergan, CPCU
Director of Client Development – Midwest

Steve Lonergan, Capstone Associated Services Director of Business Development, NorthwestEducation

  • B.A Economics and Psychology, Cum Laude, Macalester College
  • CPCU - Chartered Property & Casualty Underwriter
  • Licensed MN agent for Property Casualty and Life & Health Insurance


Mr. Lonergan is responsible for Capstone business development in the Midwest and supports other regions as needed. Steve has a diverse background with over 30 years of experience in the insurance, reinsurance and captive insurance industries. Steve has an extensive background in captives and served as Managing Director of General Motors Bermuda based captive, General International Ltd.

Mr. Lonergan managed outgoing protections to mitigate complex property and casualty exposures and established new market relationships with several major reinsurers.
Later in his career, Mr. Lonergan served as Senior Vice President of Business Development at GMAC Re and its successor, Maiden Reinsurance, for 12 years, working with cross-functional actuarial, claims, and underwriting teams to maintain strong submission flow from brokers. While at the firm, he supported the Accident & Health team and served as Practice Leader for captive reinsurance.

Mr. Lonergan said that he has “found that utilization of a captive can be a very efficient risk financing tool for companies in a wide variety of industries. Despite today’s soft P&C insurance conditions, captives remain an excellent tool for centralizing risk management and efficiently funding long term loss activity.”

Capstone’s unique value proposition and focus on “high touch” customer service and customized solutions make us the premier provider of captive services for high quality middle market operations. We have over 100 active customers and are looking forward to significant growth in our Midwest portfolio.

John Williamson
Director of Business Development

John WilliamsonEducation

  • B.B.A. in Accounting awarded by the University of Texas at Austin, 1978
  • CPA licensed 1981, State of Texas (Inactive)
  • NYSE Licenses: Series 7 - General Securities Representative Exam, Series 63 - Uniform Securities Agent Law Exam and Series 65 - Uniform Registered Investment Adviser Law Exam (RIA)
  • Texas Department of Insurance, General Insurance Lines-Life, Accident, Health & HMO

Mr. Williamson is Director of Business Development for Capstone, bringing over 30 years of experience in the financial services industry. Mr. Williamson spent 27 with Wells Fargo Securities and The Westcap Corporation as an institutional fixed income specialist in mortgage derivatives.

Over the course of his career, John has worked with decision makers for financial institutions, public entities, and corporate enterprises, evaluating strategic and tactical risks to fixed income portfolios, including credit, market, liquidity, regulatory, and structure.

In recent years, Mr. Williamson practiced a values-based consultative approach as a wealth manager with Capital Management Advisors LP, where he was responsible for designing customized, private wealth plans for clients while coordinating the execution of advanced trust and estate planning efforts, with a focus on family wealth.

Mr. Williamson was formerly a practicing CPA with a strong financial background and successful history with middle market clients.

Mr. Williamson forges strong relationships with business owners who are interested in alternative risk management and planning solutions, such as captive insurance companies. As an integral part of Capstone’s multidisciplinary team, Williamson works with clients to form their own captive insurance companies to pre-fund future losses, promoting financial efficiency. Mr. Williamson is also instrumental in expanding Capstone’s referral partner network with CPAs and financial advisors.

Bob Howell
Director of Client Development – Northwest

Bob Howell, Capstone Associated Services Director of Business Development, NorthwestEducation

  • B.A. in Business awarded by Southern Oregon University, 1977.


Mr. Howell serves as Director of Client Development – Northwest for Capstone Associated Services, Ltd. He brings more than 30 years of experience in insurance experience, with a loss mitigation focus in the trucking and transportation industries. Through his insurance consulting efforts, principally at Marsh, Mr. Howell has helped owners of transportation businesses the severity of claims through training and education of supervisory personnel.

In addition, he served in Marsh & McLennan’s National Transportation Practice as their workers’ compensation consulting manager for 18 years. In this role, he provided consultative oversight to numerous LTL and truckload transportation carriers to significantly minimize their lost time costs.

At Capstone, Mr. Howell cultivates and maintains client relationships in the northwest region of the United States and continues to bring effective planning strategies to the transportation industry on a national basis. Mr. Howell engages with business owners and CFOs, providing information on how to mitigate insurable risks through the formation of a comprehensive alternative risk/captive insurance program. He also works with clients in a variety of industries to identify risks such as exclusions, gaps, and limitations, including uninsured or uninsurable risks.

Mr. Howell is married with two children and resides in Portland, OR.

Floyd Griffith
Business Development Manager

Floyd Griffith - Business Develoment Manager for Capstone AssociatedEducation

  • B.S. in Business Administration - Florida A&M University
  • M.B.A. - The Johns Hopkins University
  • Executive Development Program – The Wharton School at the University of Pennsylvania


As business development manager at Capstone, he builds relationships with prospective captive owners and provides education on the many benefits of captive ownership.

Possessing Wall Street experience in securities issuance, securities regulation, and investments, he reverse-engineered and structured mortgage-backed securities in tandem with Wall Street investment banks. His investments experience includes stints at Smith Barney and Merrill Lynch.

Mr. Griffith serves on the board of directors of the Zina Garrison Academy, a not-for-profit that provides a safe haven and opportunities for Houston's economically disadvantaged children; he also serves as a math and reading tutor in the local school district. He is a member of the Second Baptist Church in Houston. Floyd is originally from the island of Barbados, a top domicile for captive insurance.


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