Our Team
When you purchase insurance through Mutual Aid Agency, you get comprehensive coverage and peace of mind. You also gain personal access to our team of licensed and dedicated insurance agents:
Kimberly
Rutter
General Manager
Kim Rutter serves as General Manager of Mutual Aid Agency, leading the organization’s vision, operations, and daily work with a deep commitment to service. She has been connected to MAA since the early 2000s and has served in her current role since 2012.
Before joining MAA full time, Kim spent 10 years as Vice President of Operations and Compliance at a local community bank. That experience shaped her practical approach to finance, attention to detail, and belief that strong systems should always exist to serve people. Today, she oversees MAA’s financials, marketing, client experience, and internal operations, ensuring the agency remains aligned with its mission and values.
At the heart of Kim’s work is a simple belief: people serving people. She hopes clients experience care, clarity, and education—not pressure—when working with MAA. For her, insurance is not just about policies, but about listening well, practicing good stewardship, and living out mutual aid together.
Outside of work, Kim enjoys Bible study, hiking Kansas State Parks, and spending time with her family, including her five grandchildren. She shares her home with two senior dogs, Snickers and Milo, and brings a thoughtful, steady presence to both her leadership and her life.
Heather
Riffel
Client Services Manager
Heather Riffel is a Client Services Manager at Mutual Aid Agency, where she leads with kindness, compassion, and a genuine passion for helping others. She joined the MAA team in August 2021 and supports both new clients through inside sales and the service team that ensures consistent support.
Before joining Mutual Aid Agency, Heather worked in a candy factory and as a para educator—experiences that shaped her patience, empathy, and ability to meet people where they are. Today, she finds deep meaning in helping churches and personal lines clients save money while still maintaining the right coverage for their needs.
Heather hopes every client feels understood, respected, and genuinely supported when working with her. Guided by a belief in treating others the way she would want to be treated, she knows a little kindness can go a long way—especially on hard days.
Outside of work, Heather enjoys crafting when she finds the time and proudly shares that she was born prematurely at just 1 lb 12 oz—a reminder of resilience that still shapes her outlook today. Known for being kind, caring, and comical, she brings warmth and positivity into everything she does.
Kristy
Sare
Operations Manager / Farm Services
Kristy Sare is the Finance & Operations Manager and Farm Services lead at Mutual Aid Agency, where she supports the agency through systems management, licensing, and carrier relationships. She joined MAA in October 2018 and brings a strong background in banking operations and insurance, including her CISR designation.
Kristy’s work happens largely behind the scenes, but it plays an essential role in helping the agency serve clients well and move forward with confidence. Guided by the belief that service should reflect the care you’d hope to receive yourself, she approaches every detail with patience and dependability.
Outside of work, Kristy and her husband farm together, raising cattle and crops. She enjoys time outdoors, being with her son, Walter, and spending time with her dog, Lexie.
Naomie Nichols
Account Manager / Ministry and Personal Lines Services
Naomie Nichols is an Account Manager for Ministry and Personal Lines at Mutual Aid Agency, where she brings patience, kindness, and a people-first approach to every conversation. She joined MAA in October 2023 and is often one of the first voices clients hear when they reach out.
With a background in special education and customer service, Naomie understands that insurance can be difficult to navigate. Her goal is to make the process feel approachable, thoughtful, and stress-free. Guided by the belief that the world can be hard enough on its own, she works to make insurance one less thing people have to worry about.
Outside of work, Naomie enjoys reading, cooking, kickboxing, and spending time with her pets—two dogs, Poppi and June, and a bearded dragon named Lizzie. She brings warmth, adaptability, and care into everything she does.
Sara Mitchell
Client Services Representative
Sara Mitchell is a Client Services Representative at Mutual Aid Agency, where she serves as a key point of contact for clients during the policy renewal process. She joined the MAA team in August 2025 and focuses on scheduling reviews, providing clarity, and ensuring strong communication between clients and agents.
With experience supporting students, managing high-volume emergency calls, and caring for her family, Sara brings adaptability, attention to detail, and a deep sense of responsibility to her work. Guided by values of integrity and sympathy, she strives to make every interaction feel personal, clear, and dependable.
Outside of work, Sara is family-focused and enjoys home projects and serving others by preparing meals for their families. She brings the same care and dedication into her work that she values most in her life.