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Scott Karstens has a diverse work experience spanning over 20 years. Scott started their career as an Agent in Training at American Family Insurance in 2001 and later worked as a Sales Trainer and Insurance Agent. In 2006, they joined UBS as a Financial Advisor before moving on to ING Financial Partners as a Registered Principal in 2009. From 2009 to 2022, they served as the President of Nelson Financial Group, LLC. During this time, the company changed its name to NFG Brokerage in 2011, where Scott also held the role of President. In 2011, they also became the President/CEO of Broker Backoffice, a management system for insurance brokerage agencies. In 2013, they joined NFG Brokerage as President of the Life Division, overseeing various responsibilities. In 2018, they became a Member and Writer for Forbes Finance Council. Scott Karstens is currently serving as the CEO of Quote Bot since 2023.

Scott Karstens attended Harrison High School from 1992 to 1996. Scott then pursued a Bachelor of Science (BS) degree in Kinesiology and Exercise Science at Western Michigan University, graduating in 2001.