Since 2006, Custom Benefits Solutions has helped in crafting the best benefit packages for employees. 


Our Mission

We operate using three core beliefs - Trust, Transparency, and Technology. What does that mean to us? 


When you have a trusted advisor, you lean on them a lot.  But are they preparing you for your organization’s future?  How would you describe your organization in 5 years, 10 years or longer?  We work strategically together with our clients to build this productive trust, help them chart their course, and stay on track for now and for the future. 


Do you know what your broker is earning from your benefits package?  More importantly, how is your
broker reinvesting that revenue into your benefits programs?  Here at Custom Benefits Solutions, we wholly disclose what we earn from our partnership and how that comes back to you…our client.


How can you decode the secrets of your health plan and custom design wellness programs that tackle your cost drivers?  Do your employees have someone they can talk to about their health challenges?  Custom Benefits Solutions can bring solutions to your workforce that guide them to make healthier choices in their everyday lives while being sensitive to each individual employee’s place in their healthcare journey.

Find out for yourself →


Substance Use & The Workplace Community Forum

The forum featured speakers discussing substance use issues, employers and their responses to those issues with employees - along with Attorney General Josh Stein as the keynote speaker. This was one of Custom Benefits Solutions quarterly seminars, and a well attended event across the Southeast.

Cristy Gupton

Founder & President

Gupton, a 3rd generation insurance expert, started Custom Benefits Solutions in 2006. Custom Benefits Solutions still runs strong after 10 years, operating under 3 core focuses- Trust, Transparency, and Technology.

Using smart strategies to make every plan in an employer's benefit package function at a higher level, having...see full bio



  • Health Rosetta Advisor

  • B.S. University of North Carolina at Chapel Hill

  • Certified Employee Wellness Coach

  • Member of the National Association of Health Underwriters

  • NAHU Leading Producer's Round Table Soaring Eagle Award

  • Registered Dietitian


Meet The Team

Ruth Ann Suttle, Custom Benefits Solutions' Lead Enrollment Specialist

Ruth Ann Suttle

Lead Enrollment Specialist

Ruth Ann retired from a career in Human Resources and served the citizens of Burke County, NC as a Burke County Commissioner for 8 years.  A recipient of the Order of the Long Leaf Pine, the highest civilian honor awarded to a NC citizen who exemplifies what it means to serve others.  She manages our enrollment team and ensures they are highly trained and ready to help our client’s employees by delivering world class service during their open enrollments.  Ruth Ann has many interests but her favorite is spending time with Wade, her witty grandson.  Ruth Ann is married to John Suttle who is retired and daily marks off his “honey do” list with a smile.

Tony Woodfin with Custom Benefits Solutions, Morganton NC

Tony Woodfin

Enrollment Specialist

Tony is an enrollment specialist who has worked with employees and employers for the last 27 years.  Keeping the modern family up to speed with their benefits needs is his passion.  Married to Karen, his wife of 35 years, they’ve raised their children and now have 7 cute grandchildren and live in Matthews, NC.  His hobbies include being a musician and running.  He and Karen love camping and traveling.

Keith Conley, Custom Benefits Solutions' Enrollment Specialist

Keith Conley

Enrollment Specialist

Keith began his successful career in employee benefits in 2014 after serving as Director of Financial Aid at Western Piedmont Community College in Morganton, NC.  Keith enjoys getting to know employees on a personal level in order to assist them in choosing benefit plans that best fit their needs.  Keith is an active member of New Day Christian Church in Morganton.  Keith is married to Sondra and has two daughters.  He enjoys reading, cycling and spending time with family.

Wes Hawn, Custom Benefit Solutions

Wes Hawn

Omnimedia Specialist

After practicing law for 21 years as a prosecutor and criminal defense attorney, Wes decided to follow his passion for media and marketing. He has helped several businesses create podcasts and other media marketing. Together, Cristy and Wes started a podcast called Healthcare Solutions which explores innovations in healthcare, cost containment strategies, and employee well-being. Through this project, Wes became fascinated with the changing landscape of healthcare and is excited to be a part of the solution as a newly licensed benefit advisor.

Cindy Kimmel, Custom Benefits Solutions

Cindy Kimmel

HR and Benefits Consultant

Cindy has held several Human Resources roles at large companies. As the Director of Benefits for a large non-profit, Cindy helped her organization achieve consecutive health care cost decreases through unique benefit strategies. Always seeking a win-win for the company and the employees, Cindy created a strategy which maximized the health benefits and financial opportunities for both groups in the ACA environment. Cindy and her organization also took chances in uncharted territory by designing a plan that created health awareness and accountability. As Cristy says, “all you need is a good advisor and a little courage”.   Cindy explains, "it is so true! I have experienced this at so many levels from making the move to self-insured, bringing change to employees, to implementing strategies with no guarantees. The work that goes into actively managing a self-insured plan is well worth the payoff for both the company and the families". Prior to joining CBS, Cindy helped several Asheville employers develop their HR and benefit program. Being at both sides of the employee benefits table, Cindy shares real solutions with employers to improve the quality of care at a fair price. 

Cindy holds a M.S in Human Resources from Western Carolina University and is a certified HR professional (SHRM-CP, PHR)

Samir Masic, Custom Benefit Solutions

Samir Masic

HR and Benefits Consultant

After a decade of Human Resource IT work as a business analyst and management consultant, Samir Masic gravitated towards a new career in public and population health by creating a childhood obesity prevention nonprofit on the Navajo Nation. Upon returning to South Carolina, Masic lead the Wellville Exchange, a needs analysis through Way to Wellville Spartanburg and one of five nation-wide Way to Wellville population health initiatives. Masic was appointed the director of a year-long study focusing on Spartanburg County, SC small to mid-sized businesses, he canvassed the county to better understand its employee’s social determinants of health needs, and effects current healthcare system limitations have on them.

Equipped with research insights and information what Upstate South Carolina businesses would like to see addressed in upcoming years, Masic joined Custom Benefits Solutions, turning theory into practice. Joining the CBS teams ensures the continuation of informing employers and their employees on how to eliminate healthcare complexities, and how to implement low-cost strategies that will ultimately reduce financial and health risks.

Masic holds a B.S. in Finance and International Business from the University of South Carolina.