Our Associates

Todd Freimark


Partner, Group Sales Executive

Email: tfreimark@csgwsd.com

Phone: 605-882-1688

Todd is President of Freimark & Associates Inc. Todd manages, develops and maintains strong client and carrier relationships. He is a seasoned negotiator and consults with carriers on various elements of underwriting to obtain the best plan designs at the most effective prices. By directing client relationships, and conducting periodic reviews and routine meetings with clients, Todd can evaluate financial performance of benefit plans and the employee benefit needs of his clients. He is an avid client advocate bringing years of experience in resolving service and contractual issues. Prior to starting Freimark & Associates Inc. in 2003, Todd started the Life and Health division at Stoudt’s Insurance Agency in 1989.

Todd is married to Joy and has two daughters. He is from Mobridge and likes to support Arrow athletics, fish and golf in his free time.

Brian Norberg


Partner, Group Sales Executive

Email: bnorberg@csgwsd.com 

Phone: 605-882-1688


Brian joined Freimark & Associates after spending 17 years in the education and coaching profession. He had a positive impact on countless students with his encouraging attitude and desire for them to reach their potential. Brian is still addressed as “coach” by many former players. Born and raised in Watertown, Brian went on to earn his undergraduate and master’s degrees from South Dakota State University while also having a successful career on the men’s basketball team. He enjoys exercising, golfing, any type of water sports along with coaching youth basketball teams. Brian and his wife Katie have 3 children, Annie, Drew and Gabe.

Brian takes pride in the relationships he has built as an educator and looks forward to building new relationships in the insurance industry. He relies on his teaching background to educate clients on employee benefit options and help them administer the products they select.

Kris Munger


Partner, Group Sales Executive

Email: kmunger@csgwsd.com 

Phone: 605-882-1688


Kris joined Freimark & Associates after being in the healthcare industry for 15 years. Building relationships and helping others is Kris’ passion. She works on the corporate side to service, support and expand their business clients.  

She is committed to supporting community organizations. Kris is the past-president of the Lake Area Technical College Foundation Board.   She has also participated on the following boards or helped with their capital campaigns: Watertown Development Company, Watertown 2020 Vision Process, Boys & Girls Club, Junior Achievement, and the Business Industry School Coalition (BISCO). 


In her free time, Kris and her husband, Scott, enjoy supporting their three active kids in their activities.  Kris also enjoys being outdoors, exercising, traveling, reading, and attending SDSU games. Kris grew up in Milroy, Minnesota, earned a Business/Economics degree from SDSU, where she played on the women’s basketball team, and completed an MBA from the University of South Dakota.


Chelsea Cashman

Individual & Group Sales Executive

Email: ccashman@csgwsd.com

Phone: 605-882-1688

Chelsea joined Freimark & Associates in October of 2020 after spending 8 years in accounting, office management, and social service positions. Chelsea specializes in the sale of individual products such as Medicare Supplement and Marketplace plans. She also provides customer service and support to individual and business customers. In her first year at Freimark & Associates, she earned the Marketplace Circle of Champions recognition for helping individuals access healthcare insurance during the open enrollment period. Chelsea is a proud graduate of Lake Area Technical College where she earned her Associates Degree in Financial Services.

Chelsea and her husband, Aaron, have 2 children, Hayes and Harvey. They also have a big baby Bert, a Golden Retriever. They enjoy spending their free time camping with family and friends, jamming to good old country music, and being outside as much as possible.