Our Team

Carl is a native to Winchester having graduated from James Wood High School and returned home to work at Duncan Brothers Tire Company upon graduating from James Madison University in 1992.

He’s been with Lynne Rio Insurance since October 2002 and is now the Principal Agent, taking the reins from Lynne in 2014.

His primary focus is health and commercial lines but is well versed in most lines of coverage. Carl obtained his CIC (Certified Insurance Counselor) designation in April 2006 and enjoys applying the knowledge gained by obtaining the designation to better serve clients insurance needs.

Joyce began her career in insurance in 1980 and has been with Lynne Rio Insurance since April of 1996. She is a Personal Lines Agent servicing the auto, home, life and individual health insurance needs of her clients.

Joyce holds the Certified Insurance Counselor (CIC) and Certified Professional Insurance Woman (CPIW) designations. She is a member of the Insurance Associates of Northern Shenandoah Valley where she has served as President and is the current Secretary.

Joyce enjoys being part of the great team of insurance professionals at Lynne Rio Insurance where everyone works together to offer “quality service with a personal touch.”

Alexa has been with Lynne Rio Insurance Agency since 2020, servicing both person and commercial lines clients since acquiring her P&C License in 2021.

She is a long-time resident of Winchester/Frederick County, spending most of her youth and now adulthood in the area. She graduated from Millbrook High School in 2013, then attended Brigham Young University in Idaho, obtaining her degree in English in 2018.

Alexa works in both personal and commercial lines and values the process of building long term relationships with her clients that will serve their insurance needs for many years to come.

Alexa is also the oldest daughter of Carleton, making Lynne Rio Insurance a 3rd generation, family insurance agency.