Joe Appelbaum is the CEO & Founder of Calm HR, who also founded Potomac Insurance in 1990 with one guiding principle: to build relationships with clients, to exceed their expectations by providing exemplary service, support, and expertise, and to become the comprehensive source for clients’ employee benefits needs. He has been an insurance practitioner for over 35 years, and his experience in and knowledge of the employee benefits industry affords clients a unique and innovative approach to employee benefit selection. He is a subject matter expert on controlling healthcare costs, PPACA (healthcare reform), and HR issues. Appelbaum speaks frequently at various trade association conferences and SHRM functions across the country.