About Koziol

Insurance | Retirement | Investment

Our Vision 

Build a virtual workplace, giving employees the freedom and flexibility to work anywhere at any time.

Our Mission 

Radically transforming the way individuals and businesses find, compare, and purchase insurance, retirement, and investment solutions. 

Our Core Values

Fast, Easy, Fun and Simple

Our Team

John Koziol

President and Founder


In 2020, I changed the configuration of my agency after Nationwide Insurance changed their distribution model from having exclusive agents to working with independent agents.  This allowed me to be different and break the rules!

  • My agency provides multichannel engagement.

  • Meeting customers demand for flexible and easy access to your agency or brokerage staff.

  • Information about products and services

  • Information about their accounts

  • As well as self-service transactional capabilities.

Our consumers have multiple ways to interact with us — by phone, mobile device, in person and through a highly functional website that supports online transactions.

My new agency is virtual and not limited by geographical boundaries. I use blogs and social media to provide the types of insights and insurance knowledge that consumers are looking for and which are not readily available elsewhere.

Consumers are changing and I want my agency to evolve and accommodate those changes.


My concept is making the consumer’s experience consistent, convenient, and personalized at every stage of their buying or service journey.

I am a lifelong learner and enrolled in the Horn Entrepreneurship Program at the University of Delaware. Member of CrossFit Wheelhouse in Avondale, PA. Support Kickstarter, helping aspiring entrepreneurs bring projects to life. Assistant offensive line coach for Newark HS varsity football.

I am married to Maryann, a special education teacher, and have been blessed with 4 children. I recently helped my oldest son demo and update his 1840 farmhouse in Landenberg PA and learning how to become a hobby farmer.

Bill Hutchins

Insurance Advisor


I was born in Brooklyn, NY and raised in Matawan, NJ which is not far from the Jersey Shore.  After graduating from Matawan Regional High School, I attended and graduated from Ursinus College, located in Collegeville, PA.  


Upon college graduation, my insurance career began.  I have worked for two major insurance companies as well as an international insurance brokerage firm.  Since 1993, I have been an insurance consultant, working primarily as a broker.  I hold designations as a Fellow, Life Management Institute (FLMI) as well as Registered Health Underwriter (RHU).  I was proud to join Koziol Insurance Retirement Investments in 2015.


I am active member of the Hockessin Business Association. I am also a parish member of St. Mary of the Assumption Church in Hockessin and I was active in the Christian Youth Movement.  I am currently on a leave of absence from the Northern Delaware Football Officials Association and I was formerly active in Piedmont Baseball in Hockessin, DE.  Yes, I officiated high school and youth sports. 


I moved with my family to Hockessin in 1991 from Pennsylvania.  My wife, Mary and I have been married for 40 years. We have 3 adult daughters, 2 son-in-laws and three adorable grandchildren."

Miranda Evans

Social Media Coordinator

Emily Evans

Data Importer

Brian Villec 

Financial Advisor


Brian Villec is highly skilled in consulting and collaborating with advisors and their clients to develop and implement long term financial strategies to include business succession planning, estate planning, long-term care insurance planning, disability income protection and retirement income planning. Brian believes in a consultative approach tailored to each client’s individual needs, goals and risk tolerance. This approach often-times includes coordination with clients’ legal and tax advisors in developing and implementing their plan.

With a 20-year plus history in the investment, life insurance and annuity industry, Brian is better able to understand and assist advisors with challenges of an ever-changing wealth planning environment. Brian earned a B.A. in International Relations from the University of Delaware and a Masters of Science in Management from the American College. He holds a number of industry credentials including his CFP®, CLTC®, and RCC. Securities registrations include: Series 6, 7, 63, 66 and 24.

Brian began his financial services career for Smith Barney and OppenheimerFunds in New York City before moving back to the Mid Atlantic area where he joined Nationwide. Seeking to make an even greater impact and bring more value, Brian has partnered with property and casualty agencies to deliver financial planning services to agency clients.

Brian enjoys spending his free time with his 3 children. He spent many years volunteering with his sons’ Boy Scout Troop 33 in Wilmington, DE. And was often found on camping, hiking and canoeing trips with his boys. Including several “high adventure” trips in Upstate New York and a 50-mile backpacking trip in Yellowstone National Park. Brian proudly supports his daughter’s competitive rowing team and her academic success – he is her biggest fan.

Licensed in DE, PA, MD, NJ, NC, OH, TN, VA 

©2020 Koziol Insurance |Retirement |Investment  

Securities and Investment Advisory Services offered through The Leaders Group, Inc. Securities Dealer, Member FINRA/SIPC; TLG Advisors, Inc. Registered Investment Advisor; 26 W Dry Creek Circle, Suite 800, Littleton CO 80120, (303) 797-9080.

Koziol Insurance |Retirement |Investment is not affiliated with The Leaders Group, Inc. or TLG Advisors, Inc.

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7209 Lancaster Pike
Suite 4-1178
Hockessin DE 19707