CONSUMER RESOURCES

Our Consumer Resources page provides a wide variety of information on areas such as home care, legal issues, and government programs. We also provide a listing of our graduates Web sites for those interested in finding out about long-term care insurance.

Government Resources | Care Provider Resources
Legal Information | Graduates Web Sites

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Government Resources

www.alz.org
The official site for the Alzheimer's Association.

www.hcfa.gov
Now called CMS (Centers for Medicare and Medicaid Services) this site offers important information about these programs.

www.medicare.gov

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Care Provider Resources

www.caregiving.org
Offered by the non-profit National Alliance for Caregiving. It provides links to professional organizations in the caregiving field.

www.careguide.com
A for profit site that offers useful information to care providers.

www.carescout.com
Provides vacancy listings and quality ratings for over 46,000 nursing homes and other facilities.

www.elderweb.com
Is a link site to a variety of services and products families may need.

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Legal Information

www.elderlawanswers.com
ElderLawAnswers.com is a network of elder law attorneys who are committed to providing top-notch information about legal issues facing the elderly, and who provide highest quality legal services nationwide. The site includes primers on Medicare and Medicaid, Estate Planning, Long-term Care Planning and Insurance. They also offer handy tools and check lists that help consumers accomplish various elder related tasks, such as, for example, choosing a nursing home. This nationwide network of elder law attorneys is first rate. Attorneys can be searched by area code, city or attorney name. Their phone number is (617) 267-2437.

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Graduates Web Sites

A.B. Gile Financial Services, Inc.
www.abgile.com
Contact person: Alan Harkabus
E-mail: cbuckley@abgile.com and dcrate@abgile.com
Company description: Full service independent insurance agency, established in 1871 serving Northern New England.

Advanced Planning Solutions, Inc
www.aplanningsolution.com
Contact person: Tom Hebrank
E-mail: tom@aplanningsolution.com
Company description: Advanced Planning Solutions, Inc (APS) is an independent health and LTC insurance and planning firm that has provided LTC planning services for accountants and other financial planners as well as the general public since 1997. Education is an important component for understanding long term care needs. An educational and consultative approach is provided and most major carriers are represented. APS recognizes that a variety of companies and products are required to properly meet the unique needs of each client.

Allstate Insurance Company
www.JamesLeeInsurance.com
Contact person: James T. Lee
E-mail: jlee@jamesleeinsurance.com
Company description: We are a multi-line insurance agency serving clients across Texas. We focus on the personal line needs of our clients.

American Insurance Group, LLC
www.americaninsurancegrp.com
Contact person: Kenneth D. DeRose, CSA, CLTC or Jeff Dodds, CSA
E-mail: deroseken@yahoo.com
Company description: Covering PA, NJ, DE and FL, American Insurance Group, LLC primarily specializes in pre and post retirement planning for individuals and small to mid size businesses offering the following solutions to highly effective insurance and financial planning strategies:

• Health--HMO's,PPO's and Medicare (Medigap)coverage's.
• Life--Term,Whole,Universal and Variable Life programs.
• LTC--Homecare and/or Facility care.
• Financial--Annuities, Mutual Funds, Individual and Corporate retirement plans.
• Income Replacement--Disability and Impaired Risk solutions.

With access to the best "A" rated companies in the United States, we find solutions that fit the clients' needs while providing the highest ethical standards both personally and professionally.

We can be reached either on our Web site or by phone (215)833-0741 or (610)506-8892.

Ken DeRose is a NASD Registered Representative.

Asset Protection For Life LLC
www.myltcadvisor.com
Contact person:  Robert J. Sweiss, CLTC, CSA, CEA
E-Mail: robertsweiss@sbcglobal.net
Company description:  We are committed in providing our clients as much information to help them make intelligent decisions as to the quality of life they chose for themselves and for their families.

Asset Protection For Life LLC provides the following services:

• Long Term Care Insurance
• Living Trusts with Powers of Attorney for Finance & Healthcare, Retirement planning
• Final Expense coverage

Asset Protection Network, Inc.
www.assetprotectionnetwork.net
Contact person: David Hensley
E-mail: david@assetprotectionnetwork.net
Company description: Asset Protection Network, Inc. offers the finest long term care insurance products available nationally. Learn information and download publications on this important issue. Find a referral to a network member for assistance on long term care insurance planning.

Atlantic Financial Group, LLC
www.atlanticfinancialgroup.org
Contact person:  Brett M. Sause, LUTCF, LTCP, CLTC
E-Mail: bsause@ft.newyorklife.com
Company Description: Atlantic Financial Group, LLC; strives to provide the best in Long Term Care Planning, Estate Planning, Retirement Planning, Life Insurance Planning, Disability Income and financial services for its clients, whether they are individuals or business owners.  Brett M. Sause, LUTCF, LTCP, CLTC, Managing Member, genuinely cares about his clients and prides himself on establishing long-lasting relationships through trust and understanding.

Atlantic Long-Term Care Insurance Agency
www.AtlanticLTC.com
Contact person: Patricia Trombley Ball, CLTC, CSA, LTCP
E-mail: Patty@AtlanticLTC.com
Company description: We are a unique, one-of-a kind insurance agency. We are specialists, dedicated to long-term care planning and insurance. Representing your interests is our main priority. We represent the major long-term care insurance companies to give YOU the widest selection available. All our LTC Team agents are CLTC (Certified in Long-Term Care).

Autumn Solutions
www.autumnsolutions.com
Contact person: Patricia L. Spencer
E-mail: info@autumnsolutions.com
Company description: Patricia L. Spencer is a Certified Senior Advisor and is recognized as San Diego’s leading Long Term Care Insurance Specialist. She has over 17 years experience in the health care field. She brings her extensive background in both health care and long term care planning to her role as educator and advisor. In addition to maintaining an active speaking schedule to civic, community, and professional groups, Ms. Spencer assists attorneys, financial planners, individuals, and couples with long term care planning.

Bankers Life and Casualty Company
www.corkysolutions.com
Contact person:  William Corkran
Email: william.corkran@bankerslife.com
Company description:  Bankers Life and Casualty Company "specializes in seniors" since 1879 through LTC Insurance, Life Insurance, Medicare Supplements and other products.

Bankers Life and Casualty
www.YourPlanForRetirement.com
Contact person:  Cynthia Cesare
Email: cynthia.cesare@bankerslife.com
Company description:  Excellent provider of long-term care insurance, advice, and information. Proper senior planning enables you to live out your years with financial stability and independence.

Bankers Life and Casualty
garyhoagltc.com
Contact person: Gary Hoag
E-mail: gary.hoag@bankerslife.com
Company description: My mission is to educate and protect people from the devastating affects of long-term care. Working with Bankers Life and Casualty; one of the first companies to offer true long term care coverage in 1972. I offer the most comprehensive plans in the market place for individuals, associations, and employer groups.

The Beacon Financial Group
www.thebeaconfg.com
Contact person: Thomas F. Levasseur, CLU, CLTC
Company description: The Beacon Financial Group is dedicated to helping people minimize risk, expand on opportunities and build on strenths. Please visit our website for details on how we can help you build on your own wisdom.

Bill Popko Insurance Services
www.popkocares.com
Contact person: Bill Popko
E-mail: bpopko@verizon.net
Company description: Bill Popko has been focusing primarily on Long Term Care since 1996. He often will help other agents establish Long Term Care plans for their clients. Bill's approach is to help his clients establish their own personalized plans. As such, he expects his clients to do some research early in the planning process.

BLS Advisors
www.blsadvisors.com
Contact person:  Barbara Steinberg
E-Mail: bsteinberg@blsadvisors.com
Company description:  BLS Advisors is an experienced, trusted, professional financial advisor specializing in ways to finance long term care and plan for retirement. BLS Advisors works with seniors and their families to ensure that financial resources are available for the long term to cover the expenses of daily living as well as extraordinary medical expenses.

Bradley Associates LTC Insurance
www.bradleyltc.com
Contact person: Ann Bradley
E-mail: ann@bradleyltc.com
Company description: Bradley Associates LTC Insurance specializes in offering solutions for long term care financing.

Brambleton Agency
www.brambletonagency.com
Contact person: Mel Harkrader Pine
Company description:  The Brambleton Agency, owned by Mel Harkrader Pine, CLTC, offers a wide range of insurance services in Virginia, Maryland and West Virginia.

Broder Insurance
www.broderinsurance.com
Contact person:  Scott P Broder
E-Mail: insurdude@aol.com
Company description:  Providing personal & company benefits.  An independent broker helping people understand what they're buying, before they buy.


Cabell Insurance Associates
www.cabellinsurance.com
Contact person:  Steve Purdy
E-mail: stephenp@cabellinsurance.com
Company description:  Our Financial Services Department has agents that are licensed and trained to review your personal life, health, disability, and long term care insurance situation. After a thorough analysis, we will recommend any new or additional insurance products that may be needed, or, if necessary, how to modify any insurance coverage that already exists. The companies we represent are carefully chosen for their competitive rates and sound financial performance. We can find the right coverage and the right price for you and your family.

Canandaigua Financial Group
www.CanandaiguaFinancialGroup.com
Contact person: Kerry French, LUTCF, CLTC
Email: kfrench@rochester.rr.com
Company description: Canandaigua Financial Group is a formal alliance of independent financial professionals all based in Canandaigua, NY. The Groupwas formed under the philosophy that clients are best served by competent professionals with specialized areas of knowledge working together on behalfof the clients. Providing the services of investment planning, financialplanning, tax planning and risk management through insurance creates theframework for the financial success of a client.

Capital Financial Partners
www.capitalfinancialpartners.com
Contact person: Ben Herritage
E-mail: benherritage@finsvcs.com
Company description: Financial Planning and Employee Benefits Firm

Choice LTC Insurance Services
www.ltcinsuranceshopper.com
Contact person:  Scott A. Olson, CLTC
E-Mail: Scott@LTCInsuranceShopper.com
Scott A. Olson, CLTC is the author of "The Guidebook for Making Long Term Care Insurance Easier." 

He is a licensed insurance agent and has specialized in long term care insurance since 1995.  He is licensed to sell long term care insurance in over 30 states. 

Cochrane Insurance & Annuity Services
www.cochraneinsurance.com
Contact person:  Glenn Cochrane, RFC, CLTC
E-Mail: info@cochraneinsurance.com
Company description:  Insurance Brokerage specializing in Long Term Care Insurance and Health Insurance

Comprehensive LTCI
www.ComprehensiveLTCI.com
Contact person: Dick McNicholas
E-mail: dickmcn@comprehensiveltci.com
Company description: Serving Oregon & Washington as a dedicated independent long-term care insurance AGENT specializing in long-term care planning and representing offerings from 7 of the largest insurance carriers.

Denise Jaehnke
www.epsltc.com
Company description: Denise Jaehnke is a Certified Senior Advisor and Certified in Long Term Care. She is a well known speaker and educator in the Asset Preservation Market.

Diversified Financial Solutions Inc.
www.brucehutchinson.com
Contact person:  Bruce W. Hutchinson, CLTC
E-Mail: bruce@brucehutchinson.com
Company description:  A Independent Insurance Agency servicing clients in Long Island, New York and South Florida (Boca Raton Area) for 16 years. Works with elder law attorney's in New York and Florida to obtain the finest in Long Term Care Insurance specifically to both locales. One of the company's our agency is contracted with is Genworth (formerly GE). We also offer Medigap policies to supplement Medicare benefits as well as annuity and life insurance products.  Bruce W. Hutchinson is also a Registered Investment advisor in the State of New York and the State of Florida. He can be reached at 561-750-7525 (Florida) or 631-420-4123 (New York)

D. Luther Hollingsworth, CSA
www.dlhollingsworth.com
Contact person: D. Luther Hollingsworth, CSA
E-mail: lutherh@triad.rr.com

Economic Planning Group
www.ShelleyJohnsonLTC.com
Contact person: Shelley Lee Johnson
Company description: Licensed Life & Health Agent, NASD Registered Representative, Certified Senior Advisor

Eileen Shrem, RHU, CLTC, LUTCF
www.Your-Friend-In-Insurance.com
Contact person: Eileen Shrem
E-mail: emshrem@your-friend-in-insurance.com
Company description: Independent insurance planner licensed in NJ, NY, PA, MD, & DE.

Eisenberg Associates
www.eisenbergassociates.com
Contact person: Richard Eisenberg CLTC
E-mail: ltc@eisenbergassociates.com
Company description: Eisenberg associates is a national provider of Long Term Care Insurance. They have developed a catastrophic long term care plan with a long waiting period and high deductibles. They also have simplified issue plans with high deductibles and guaranteed premiums. All convential policies are available.

Estate Planning Enterprises
www.estateplanningent.com
Contact person:  Randy Woods
E-mail: rlwoods@citysquare.biz
Company description:  "Making Money Last a Lifetime"
A financial services company specializing in pre-retirement and retirement needs focusing on strategies for asset accumulation, preservation, and transfer.

Family Financial Services
www.familyfinancialstrategies.com
Contact person: Howard M. Pearlman, CLTC
Email: howardpearlman@familyfinancialstrategies.com
This Web Site is a first step that can help you take your first step toward protecting your future. You will not only receive a thorough education about issues relating to long-term care, but some specifics about long-term care insurance as well. Please feel free to call with any questions.

Financial Partners Group, LLC
www.financialpartnersgroupllc.com
Contact person: Scott Paschal

Financial Security
www.financialsecurity100.com
Contact person: Marian F DeSantis, CLTC CSA
E-mail: mfd@financialsecurity100.com
Company description: Long Term Care Insurance Specialist

F Jim Parks Agency
www.insureva.com
E-mail: fjimp@earthlink.net
Company description: Insuring Health and Financial Well-Being for Central Virginians Marketing Long Term Care Insurance for fifteen years.

Frank G. Milo Agency
www.insspec.com
Contact person:  Frank G. Milo, LUTCF, CLTC
E-mail: FrankMilo@insspec.com
Company description:  For over 15 years, specializing in personal insurance needs. Life, Annuities, Disability, Long Term Care, Health, Auto, Home, Umbrella.

Forest Hills Financial Group
http://www.rbrick.com
Contact person:  Randy Brickman, CSA, LUTCF, CLTC
Email: Randy_Brickman@fhfg.com
Company description:  Our goal is to assist our clients by reaping benefits from tax savings and risk control in order to help provide a stable financial future. We will revisit the plan every year to ensure everything is working at maximum capacity for your growth. We will always strive to provide the finest in financial services to professionals, business owners, and individuals in all walks of life.
   I focus in life insurance, estate planning, and long term care planning, disability income protection and  group health benefits.
   I will always strive to provide the finest in financial services to professionals business owners and individuals in all walks of life.

FTFN Insurance Services
www.ftfninsurance.com
Contact person:  JoEllen (Jodi) Williams, CLTC
E-Mail: jodi@folinotax.com
Company description:  We are a full service tax and financial planning office that has been in the Camarillo area for over 20 years; family owned and operated. Focusing on "complete" financial planning for asset growth and protection.

G.A. Legg & Associates
www.leggassetmanagement.com
Contact person:  Geoffrey A. Legg
E-Mail: legggal@ptd.net
Company description:  Financial Planning

G.C. Northwest, Inc.
http://www.gcnwinc.com
Contact person: Donna Shewey
Email: donna@gcnwinc.com
Company description: Providing life, health, and long-term care insurance, and other aging services.

Gatesman Financial
www.gatesmanfinancial.com
Contact person:  David Gatesman
E-Mail: info@gatesmanfinancial.com
Company description:  Retirement & Estate Planning Investments Insurance

Great Lakes Financial Services
www.greatlakesfinancialservices.com
Contact person: Arnold J Williams CSA CLTC
E-mail: awilliams@greatlakesfinancialservices.com
Company description: We specialize in small business planning and are certified specialists in long term care planning. We are able to work with virtually all major long term care carriers, taking advantage of spousal discounts, healthy lifestyle discounts and employer sponsored discounts. We are Ceritifed Senior Advisors.

Guide-Ins
www.guideins.com
Contact person: Marilyn Lavender
E-mail: mlavender@guideins.com
Company description: Provider of Long-Term Care Insurance solutions for businesses and individuals. Long-Term Care Insurance resource for other insurance and financial professionals.

Grace H. Beard
http://gracebeard.mymedicalquotes.com
Contact person:  Grace H. Beard
E-Mail: ghbeard@yahoo.com
Company description:  I offer top quality products in Health Insurance, Long Term Care Planning, and Supplemental Employee Benefits. For Long Term Care Planning, I broker for only the top rated companies. Learn what you need to consider when buying a Long Term Care Insurance policy, such as what type of policy and what features you need to consider. I will help you separate Fact from Fiction!

Gurley LTCI
www.gurleyltci.com
Contact person: Nicole Gurley
Email: Nicole@GurleyLTCI.com
Company description:  General agency specialzing exclusively in long-term care insurance. "Helping you protect your retirement plan."

Hagler Financial Services
www.haglerfs.com
Contact person: Joe Hagler
E-Mail: jhagler@ingfp.com
Company description:  Hagler Financial Services is a leading Investment Advisory and Financial Planning practice in Southern California.  We work with individuals and families in designing and implementing prudent financial and insurance strategies, including Long-Term Care insurance programs.  Investment Advisory services and securities offered through ING Financial Partners.  Member SIPC.

Independent Lifestyles
www.independentlifestyles.net
Contact person: Mike Kendall, CLTC
E-mail: mk@ilsmk.com
Company description: Independent insurance brokerage taking pride in educating consumers about Long Term Care.

Insight Financial Strategies
www.ifs-financial.com
Contact person: Michael Guerin
E-mail: mguerin@soct.nef.com
Company description: Financial Planning practice, focusing on personal
financial planning, investment strategies and long-term care planning.

Insurance Services
www.insurservices.com
Contact person: Stanley Maigarie
E-mail: Smaigar@aol.com
Company description: Serving Connecticut with specialized forms of long-term care planning including traditional long-term care insurance, dual purpose life insurance and annuities for those already receiving care.

Integrated Financial Strategies
www.ifslegacy.com
Contact person: Dianne Webster
E-mail: diwebster@adelphia.net
Company description: Specializing in life transitions including retirement, marital changes, and issues of aging; services include financial planning, investment services and insurance.

Integrity First Planners, Inc.
www.integrityfirstplanners.com
Contact person:  Kenneth P. Butze, Jr., CLTC, CFP
E-mail: kpbutze@unitedplanners.com
Company description:  Specializing in Wealth Management for Senior Investors

Inter Agency Life & Health
www.ltcworks.com
Company description: Completely independent, "soft-touch", consultative LTC approach. Education and options, not hi-pressure sales. Representing all companies and all types of LTC, as well as Medicare Supplements, Life, and Health insurance.

Investment Advisory Group
http://www.iagadvisors.com
Contact person:  Ted Ciolkosz
E-mail: tedciolkosz@iagadvisors.com
Company description:  LET'S DISCUSS YOUR NEEDS
Investment Advisory Group has been earning the trust of people in our community by successfully meeting their requirements for objectivity, competence, and superior service. As an independent financial planning and investment management firm, IAG is obligated only to you, and we are free to help you choose the products that work best for you. IAG is focused on helping you reach your goals in life.

Jeffrey N. Tomaneng, RFC, CLTC, CLU, ChFC, CFP®
http://www.tomaneng-financialplanning.com/
Contact person:  Jeffrey N. Tomaneng, RFC, CLTC, CLU, ChFC, CFP®
E-mail: jtomaneng@baystatefinancial.com
Company description:  In his practice, Jeffrey focuses on building long-term relationships with individuals, families and businesses, working to help protect and grow their assets, achieve financial independence and ensure their economic security.  He is a graduate of Washington University in St.
Louis with a Bachelor of Science in Business Administration and a minor in Psychology.  He has received a Certificate in Financial Planning from New York University and has earned the Chartered Life Underwriter and Chartered Financial Consultant designations from the American College and the Certified in Long-Term Care designation from the Corporation for Long-Term Care Certification.  He is also a Registered Financial Consultant and a CERTIFIED FINANCIAL PLANNER certificant.  He is trained in and continues to study all areas of financial planning and the financial planning process. He genuinely cares for his clients, and that drives his commitment to educating them, helping them identify and address their financial planning issues, implementing and servicing their financial plans and continually monitoring their progress.

Joe Costa & Associates, Inc.
www.costainc.com
Company description: Joe Costa & Associates, Inc. has 19 years in the insurance field as an independent agent. We specialize in searching the markets available to offer our clients the best products at the most reasonable costs by the top-rated companies in their respective fields. We seek to provide on going service to all of our clients. We know you will be happy with our products and service.

John Hancock
www.ltcpolicy.com
Contact person: Elizabeth Blackburn
E-mail: eblackburn@sfnonline.com
Company description: Financial services and insurance products.

Kentucky Farm Bureau Insurance
www.kfbmurray.com
Contact person: Stuart Alexander, Agent CLTC
E-mail: stuart_alexander@kyfbins.com
Company description: Full Service Insurance Company. Long Term Care Insurance, Whole Life Insurance Plans, Term Life Insurance Plans, Disability Insurance, Fixed Annuities. Also Home, Auto & Business Insurance. Servicing The Murray, (Calloway County) Kentucky Area. Call or email Stuart Today.

K.R. Clark & Company
http://www.krclarkandcompany.com
Contact person: Kenneth R. Clark, CPCU, CLTC, CSA
Email: kenclark@krclarkandcompany.com
Company description:  I've earned the nickname "The Safe Money Guy" from my clients. I will help you accumulate, manage, distribute and PROTECT your wealth without losing any of your "Peace of Mind Dollars". I guarantee it!

Larry D. Shuppy Insurance Agency, Inc.
www.longtermcare-minnesota.com
Contact person: Larry D. Shuppy
Company description: Our mission is to educate and protect Minnesota
families and individuals from the devastating costs of Long Term-Care.

The LGR Group
www.longtermcareforu.com
Contact person: Gay Rowan, CSA, CLTC.
Company description: The LGR Group offers complete consumer information on Medicare and Medicaid as well as private insurance solutions. Understand the exploding epidemic in elder care. If you are seeking answers to these issues, talk to a Long Term Care Specialist at the LGR Group.

Liberty Financial Group
www.LibertyLTC.com
Contact person: Val E Harris CLTC
E-mail: vharris@libertyfngp.com
Company description: We specialize in educating Hoosiers about all aspects of planning for long-term care, and work with a number of quality companies, including the Indiana Long Term Care Insurance program "Partnership" policies (http://www.in.gov/fssa/iltcp/)

LifeStyle Insurance Services, Inc.
www.lifestyleinsurance.com
Contact person: Carol Gardner
LifeStyle Insurance Services, Inc. is a National Managing General Agency with agents in all 50 states.  As an industry leader, we are involved in the development, research and marketing of LTC solutions, including multi-life LTCI and the use of Life Settlements to pay for LTC. All of our administrative staff members proudly bear the CLTC designation.

LTC Financial Group, LLC
www.ltcfg.com
Contact person:  Denise R. Molohon, LTCP, CLTC
E-Mail: dmolohon@ltcfg.com
Company description:  The specialists at LTC Financial Group are independent and certified which allows them the flexibility and expertise to fit the needs of their clients to the most appropriate carrier and plan design for their specific goals.  We are committed to working exclusively in long term care financial planning offering high-quality solutions for individuals, employers, and executives.  We work in tandem with attorneys, accountants, estate planners, and other financial advisors who recognize that this area of planning is best served by highly skilled specialists. We offer a wide range of long term care planning solutions with a client-focused philosophy.  Our goal is to provide you with enough information to help you make an informed decision about your own long term care planning.  We are available to answer any questions and look forward to working with you!

LTCI, LLC
www.kathleenmitchellltci.com
Contact person: Kathleen Mitchell, CLTC, CSA, LTCP
Email: kathleenltc@surewest.net
In her career as a long-term care specialist she has been there every step of the way for her clients helping them to see the brighter side of their retirement years. Those who know Kathleen would agree, it's her positive approach to helping her clients that distinguishes her as one of the leading long-term care insurance specialist's in the nation.  A dedicated professional since 1991 Kathleen has the experience and expertise in providing personalized, individual attention.  She is Certified in Long Term Care (CLTC), a Certified Senior Advisor (CSA) and a Long Term Care Professional (LTCP). CLTC, is a course endorsed by the American Council of Education, The National Academy of Elder Law Attorneys, and the College for Financial Planning.  'Certification in Long-Term Care' is an extensive study taught by attorney and author Harley Gordon, Boston, Massachusetts.  It covers LTC family planning and examines related financial and legal topics in depth. She is the author of the book, "Caring for the Long-Term", in which she shares her first hand knowledge of the complexities of long-term care and long-term care insurance.

LongTerm Care Insurance Network
www.ltcinetwork.com
Contact person: Angela Bender
E-mail: angela@ltcinetwork.com
Company description: We have over 30 years experience in the insurance business with the majority of that time spent in senior issues. Long Term Care Insurance plays a vital role in protecting our clients from the potentially devastating effects of catastrophic illness. We educate our clients on LTCI and guide them through the decision process to the right answer for them.

Long Term Care Planning Services
www.ltcplanningservices.com
Contact person: Steve Buie
Company description: Highly informative and educational website that deals with the challenging topic of long-term care.

Long-Term Care Planning Solutions
http://www.carolfrazierltc.com
Contact person: Carol Frazier
E-mail: cfrazier@carolfrazierltc.com
Company description: Specialized long-term care planning services consulting with individuals, businesses, and insurance and financial professionals. National educational presenter and instructor-trainer in long-term care planning.

Long-Term Care Specialist^{, sm}
www.thelongtermcarespecialist.com
Company description: Ronald L. Grant CLTC, is a licensed Long -Term Care Specialist, ^SM. He has lectured extensively on Long -Term Care issues and options. Mr. Grant is the past President of the Camarillo Chamber of Commerce, current President of the Senior Nutrition Action Council of Ventura County, member of the 37th Assembly District Insurance Advisory Committee, member of the Ventura County Health Underwriters, and is California Partnership Certified.

Long-Term Planning Associates, LLC
www.ltplan.com
Contact person:  Randi Oster
E-Mail: info@ltplan.com
Company description:  Long-Term Planning Associates, LLC is a specialty insurance brokerage firm, located in Fairfield, Connecticut.  The company focuses solely on the long-term care insurance needs of its clients.  With a consultative approach, specialists at Long-Term Planning Associates work for their clients, not for any particular insurance carrier.  Representing many carriers, specialists are able to create individually tailored solutions, using the most appropriate long-term care insurance product available in the marketplace.   

Long-term care insurance is not appropriate for everyone.  Clients begin to ask themselves the right questions, as they become more knowledgeable, and able to make educated decisions about their coverage.  Often, at a client's request, the specialists at Long-Term Planning Associates will work closely with the client's financial advisors.  The benefit is a team focus on your financial plan. 

The company was established over 18 years ago by its founder, Rachel Faiga, back when the long-term care insurance industry was in its infancy.  The firm has been in existence long enough to have many clients currently receiving long-term care benefits from their policies.  This has allowed Long-Term Planning Associates to see firsthand, what aspects of long-term care insurance are most valuable to its clients.  This insight guides specialists as they consult with clients.

Loring & Morey
www.loring-moreyltc.com
Contact person: Leslie Morey
E-mail: lmorey@loringfp.com
Company description: LTC information site with a free request for quote.

Loubier & Hetrick Wealth Management for Women
www.landhwealthforwomen.com
Contact person:  Erika Hetrick
E-mail: erika.hetrick@lpl.com
Company description:  Our Mission - To help women, single, married, divorced,or widowed, visualize her financial present and future. Construct a plan for the future she has envisioned for herself and her family. Safeguard this plan from unforeseen circumstances. Provide these services with honesty, clarity, accuracy, and the respect that women deserve.

LTC Funding Group, LLC
www.longtermcarefunding.com
Contact person: Susan Wright
E-mail: susan@LTCFundingGroup.com
Company description: Specializes in helping consumers find solutions to
preserving their lifestyle in the event of a long term care need.

LtcLifeChoice
www.ltclifechoice.com
Contact person: Mark Leonard
E-mail: mcleonard@direcway.com
Company description: Ltclifechoice is dedicated to offering the best long term care insurance plans available. We represent several of the top carriers and will do our best to find what meets your needs. Our website is educational and you can find good information to help you and your family. We have been helping individuals and families in North Carolina since 1998.

LTC NEW ENGLAND
http://www.ltcnewengland.com/
Contact person:  Rich Cohen, CSA, CLTC
E-mail: rich@ltcnewengland.com
Company description: LTC NEW ENGLAND specializes in long term care planning. Since we are affiliated with New England Financial we are able to develop strategies and offer appropriate solutions for each client. We also have the ability to go into the marketplace to find the appropriate policies of long term care insurance, annuities, and life insurance that meets each client's particular needs. We are endorsed by AAA Northern New England as well as other companies and associations and are routinely called upon to give educational seminars to members and employees. Our objective at these seminars is to give attendees enough information so they can make an informed decision whether a policy of long term care insurance is proper for them and their families.

LTC PLANS.BIZ
www.ltcplans.biz
Contact person: Peter M. LanFranca
E-mail: peter@ltcplans.biz
Company description: An organization created to help Families, Small Business Owners and Affluent Individuals make informed Health Care Decisions.

The LTCpro(r)
www.ltcpro.com
Contact person: Bill Comfort, CSA, CLTC
E-mail: bill@ltcpro.com
Company description: Financial Solutions for the Long-Term(sm). Long-term care insurance specialist representing nine of the largest LTC insurance companies. Services are based on designing LTC plans for the needs of clients and their families. Individual, business and group LTC solutions.

LTC Financial Partners, LLC
www.BowesLTC.com
Contact person: Martha H. Bowes, CLTC
Email: martha.bowes@ltcfp.com
Company description: Martha Bowes, CLTC, is a long-term care specialist and a partner with LTC Financial Partners, a national brokerage of long-term care experts. She is an approved member of the National Ethics Bureau for insurance and financial professionals. LTCFP contracts with top-rated companies that have stable rate histories.

LTC Solutions Inc
www.ltcsolutionsusa.com
Contact person: Lewis Roth CLTC, President
Email: info@ltcsolutionsusa.com
LTC Solutions Inc is dedicated to helping its clients navigate through the complicated and changing environment related to Long Term Care. With the recent sighing of the 2005 Deficit Reduction Act by President Bush on February 8th 2006, the need to understand the issues of Long Term Care have become that much more pressing. Lewis Roth, President of LTC Solutions Inc, and his associates have a combined 35 years of experience in the insurance industry, serving and being there for their clients when they are most needed. LTC Solutions Inc has experience working with successful business owners and wealthy retirees using tax favored strategies for Long Term Care. LTC Solutions Inc represents all of the major insurance carriers and helps their clients choose the carrier that will best fit their needs.

LTC Solutions
www.idaholongtermcare.com
Contact person: Dennis S. Rompala, CLU, CLTC
E-mail: dennis@idaholongtermcare.com
Company description: An independent insurance agency specializing in long-term care solutions.

Maryland Long Term Care Center
www.LTCMD.com
Contact person: David Latch, CLTC
E-mail: David@LTCMD.com
Company description: Dedicated independent long-term care broker specializing in long-term care insurance planning with offerings from 10 of the largest insurance carriers.

Mark Tannenbaum, CLTC
www.MarkTannenbaum.metlife.com
Contact person:  Mark Tannenbaum
E-Mail: mtannenbaum@metlife.com
Company description: Business Philosophy: Using my thirty plus years of business management and experience to provide my clients, their families and business with financial, healthcare and retirement strategies. Using my skills to help provide my clients the guidance to protect their assets and achieve their financial goals. To become a lifetime resource to each of my clients.Licensed to sell Life, Disability Income, Health Insurance & Annuities in New York, New Jersey & Florida, Certified Long Term Care Specialist, Certified in Long Term Care Partnership in New York & Florida and Registered Investment Advisor Representative of MetLife Securities Inc.

May Toy, CLTC, CSA, CFS
www.maytoyltc.com
Contact person:  May Toy
E-mail: may@maytoyltc.com
Company description:  We work with our clients as their Long-Term Care Advocates. We help them navigate the maze of rules, regulations, options and solutions surrounding the issues of long-term care expenses. We believe that education is crucial to making good financial and personal decisions. This is why we offer financial and long-term care workshops. Contact us for our schedule and assistance in designing an appropriate long-term care plan just for you - one that matches your health history, budget and lifestyle.

MetLife
www.jakedarsch.metlife.com
Contact person: Jake Darsch
E-mail: pdarsch@metlife.com
Company description: Long Term Care Insurance for Individuals and Group Plans.

Michael A Tedder & Associates, P A
www.ltc-solution.com
Contact person: Michael Tedder
Email: michaeltedder@earthlink.net
Company description: Financial/ Insurance Services.

Millenium Financial, Inc.
www.milleniumfin.com
Contact person: Larry Thaul, CLU, ChFC, CLTC
E-mail: lthaul@milleniumfin.com
Company description: We are a boutique firm which addresses a host of financial and insurance needs as a complete and integrated service. From the partner who is Certified in Long-Term Care Insurance to our specialists in Estate Planning, Group Insurance, Business Plans, Retirement and Supplmental Executive Programs, we bring our considerable insurance industry influence to bear in creating solutions for our clients.

M J Miller & Co.
www.mjmillerco.com/index.htm
Contact person: Derwood S. Miller
Email: dmillercpa@neo.rr.com
Company description:  Since our inception in 1956, M.J. Miller &Co. has built its reputation on creating innovative tax savings plans for our clients.  As your business partner, we understand your need to save time and will work with you to find effective solutions for your business needs. We strive to build and maintain long-lasting business relationships, and this website is an extension of our commitment to you.

Mountain Insurance Agency Inc.
www.mtnagency.com
Company description: NC Long Term Care, Health, Dental, Life, and more!! 16 Independant Agents in Western and Central North Carolina to serve you. Email or visit website for quote!

Moulthrop-Clift, Inc. (MCI Insurance)
www.moulthropclift.com
Contact person: Blair R. Moulthrop
E-mail: blair@moulthropclift.com

National Health & Life Associates, Inc
www.nhlaonline.com
Contact person: David L Pavlik
E-mail: dpavlik@nhlaonline.com
Company description: Long Term Care Specialists

Nestor Insurance Agency, LLC
www.nestorinsurance.com
Contact person: Jeff Nestor
E-mail: nestorins@sbcglobal.net
Company description: Insurance Agency since 1962. Long-Term Care, Auto , Home, Life, Health. 

Norton Financial Services
www.nortonmaine.com
Contact person: Raymond A. Emery, ChFC, CLTC
E-mail: ray@nfsinc.com
Description: Norton is an independent, locally-owned organization with broad-scale knowledge, utilizing a consultative approach to Financial Planning and Group Benefits.

Northwestern Mutual Financial Network
www.nmfn.com/chuckvalenti
Contact person: Desiree Ostroff
E-mail: chuck.valenti@nmfn.com

Northwestern Mutual Financial Network
Northwestern Long Term Care
www.nmfn.com/jackweinstock
Contact person: Jack B Weinstock, CLTC
Company description:  Of the most prominent companies in the long-term care insurance market place, Northwestern Long Term Care is the only company awarded the best possible insurance financial strength ratings from the four major financial rating agencies. Jack Weinstock is a Disability Income and Long Term Care Specialist for The Chrisman Financial Group. Jack is presently doing business in over 25% of the United States, but primarily does business in the greater Los Angeles area. Please take the time to enjoy the Northwestern Long Term Care PowerPoint Presentation created for your convenience at Jack's website. There are also product descriptions and third party articles available on Jack's website. Jack and his Network at Northwestern Mutual also do Life Insurance, Disability Insurance, Long-Term Care Insurance, Annuities, Variable products and Group Benefits.

Northwestern Mutual Financial Network
www.nmfn.com/lesliestafanick
Contact person: Leslie Stafanick
E-mail: lesliestafanick@nmfn.com

O'Neill Financial Management, LLC
www.peterxoneill.com
Contact Person: Peter O'Neill
E-mail: peter@peterxoneill.com

Oring and Company, L.L.C.
www.oringco.com
Contact person: Richard K. Oring
E-mail: roring@oringco.com
Company description: Accounting, Financial Planing and Insurance

PCA/Ogle Financial Services, LLC.
www.pcaogleltc.com
Contact person: Tom Ogle
E-mail: Tom@pcaogleltc.com
Company description: 30 years of experience in the Financial Services Industry offering a wide range of insurance and financial products.

Portfolio Advisory Council, LLC
www.pacadvisory.com
Contact person: Philip Moran
E-mail: philmoran@finsvcs.com

Richard Schnur, CLTC
www.schnurltc.com
Contact person: Richard Schnur
Richard is a Senior Long Term Care Specialist with over 6 years in long term care planning. He has a passion for long term care, is empathetic to his clients needs and brings clarity to a tough subject. Let him protect your retirement portfolio and your family from long term care.

Ritchie Financial
www.ltcinsurancenow.com
Contact person: Sue Ritchie, CLTC
E-mail: suephx@aol.com
Company description: Long-term Care Insurance - Discover it - Before it's too late!

Ronald E. Dade & Associates Financial Network Investment Corporation
www.rondade.com
Contact person: Ronald Dade
Ronald E. Dade & Associates delivers a number of financial services in a relaxed professional environment. Ron Dade believes in working on a person to person basis so that he may better suit the financial needs of the individual. There is no consultation fee and no obligation necessary to establish your investments with Financial Network, located at Ronald E. Dade & Associates.

SaVasset / W J "Bill" Schwieder, CLTC
www.SaVasset-LTC.com
Contact person: Bill Schwieder, CLTC
Company description: Independent Agent/Broker providing Long-Term Insurance
and Health Savings Account (HSA) plans in Virginia and North Carolina.

Sapers & Wallack
http://www.sapers-wallack.com
Contact person: Ed Wallack
Email: ewallack@sapers-wallack.com
Company description: Regionally fully-integrated benefit and asset management firm.

SBS Health & Life Insurance
www.sbs-plans.com
Contact person: William B. Eager
E-mail: billeager@snet.net
Company description: Single Agent Insurance Agency offering Coverage for health, life, annuities, LTC, Home Health Care, disablity

Scott M. Klein, CLTC
http://www.scottmklein.com
Contact person: Scott M. Klein, CLTC
Email: scott@scottmklein.com
Company description:  Since 1994, Scott M. Klein has helped hundreds of Californians map out well educated choices for receiving predictable and necessary income, regardless of any turn in health.  Advise is given on  strategies in long term care insurance, disability income insurance, and sustainable, growing
income in retirement.  In addition to having earned the CLTC designation as an independent advisor, Scott is California Partnership Certified, enabling him to most objectively consider the long term care planning strategy that best suits the person.  Scott can be reached toll free country wide at 866/757-8004.

Schafer Long-term Care LLC
www.schaferandsonsLTC.com
Contact person: Richard A. Schafer
E-mail: SchaferLTC@mn.rr.com
Company description: Downtown Minneapolis business devoted exclusively to helping people understand that they are likely to live a long life. Schafer LTC helps them prepare a plan for such.

Schneider & Shulman Associates
www.ssltc.com
Contact person:  David Shulman
E-mail: dshulman@ssltc.com
Company description:  As exclusive Long Term Care planning experts since 1994, Schneider & Shulman Associates understand the business. As general agents for all the major Long Term Care Insurance carriers, we are able to provide unbiased and objective information and advice, so there's no need to waste time and effort going to several different companies. We will present all the options to you, both by price and by feature, and customize a plan to get you the best value possible.  Please visit our website:  www.ssltc.com

Senior Financial Resources, Inc.
www.seniorfr.com
Contact person: Thomas K. Brueckner, CSA, CLTC
E-mail: thom@seniorfr.com
Company description: SFR specializes in asset protection and retirement
planning for seniors. Our main focus is helping 50-79 year olds, who have
lost money through the recent market decline, protect their remaining assets
and grow them without further risk. Thomas Brueckner, our President, was
recognized in 2002 and 2003 for achievements placing him in the top 1% of
all financial advisors worldwide.

Senior Long Term Care Insurance Brokerage, Inc.
www.ltcareinsurance.com
Contact person:  Lorraine Spiotta,CLU,ChFC,CLTC
E-Mail: lorraine@ltcareinsurance.com
Company description:  Establihed in 1997, SLTC Insurance Brokerage, Inc. represents many insurance carriers while working closely with individuals and businesses to secure the proper insurance coverage.

Senior Market Services, Inc.
www.seniormarketservices.com
Contact person:  Thomas Gibson, CLTC, CSA
E-Mail: info@seniormarketservices.com
Company description:  Life and Disability insurance agents in Oregon and Washington. Medicare Plans, Group and Individual Plans, Business Planning, Long Term Care, Life Insurance, Health Insurance, Disability, Temporary Health, Fixed Annuities, Indexed Annuities.

Specialty Planners Inc.
www.DesignPlans4LTC.net
Contact person: G. David Lyons
E-mail: spyydder1@attbi.com
Company description: Specializing in Long Term Care Insurance with several major carriers.

Stephen M. Polizzi Insurance Agency
www.insurancemate.com
Contact person: Stephen Polizzi
Email: spolizzi@frontiernet.net
Company description: Specializes in life, disability, long-term care and group insurance, financial products and retirement plans in order to promote financial security for clients. Instant online life insurance quotes provide independent comparison of top-rated New York companies.

Strategic Financial Concepts
www.strategicfc.com
Contact person: Joe W. Scheid, CLTC
Email: jscheidjr@finsvcs.com
Company description:  Strategic Financial Concepts, Joe W. Scheid & Associates is a multi-dimensional financial services firm.  We are committed to meeting the needs of our clients through needs assessment, comprehensive plan development and by offering a variety of products and services.

Summit Financial Advisors, LLC
www.summitfinancialadvisors.com
Email: summit@summitfinancialadvisors.com
Contact person: Luke Buehler, CLTC
Company description: Financial Planning - New York, Pennsylvania

Surf City Insurance Services
www.Californiainsurancestore.com
Contact person:  Brian Zeek
E-Mail: Brian@Surfcityinsurance.com

Sweiss Financial Group
www.robertsweiss.net
Contact person: Robert J. Sweiss, CSA, CLTC, CEA
Email: rjs@robertsweiss.net
Company description: Providing sound financial solutions for my senior & retiree clientele:
Trusts, retirement & investment plans, long-term insurance, life and disability insurance, health and medigap insurance

Texas Insurance Options
http://www.cmculp.com
Contact person: Chuck Culp
Email: chuck@cmculp.com
Company description:  The coverage you need... the service you deserve. Your local agent for all your life and health insurance needs. We still do business the old-fashioned way.

The Yetman Agency
http://www.TheYetmanAgency.com
Contact person:  Edwin Shel Yetman
Email: syetman@verizon.net
Company description:  The Yetman Agency is Dedicated to Protecting and
Preserving The Lives, Hopes And Dreams of Maturing Americans.

Veroneau Insurance
www.veroneauinsurance.com
Contact person: Raymond Veroneau, LUTCF
Email: rveroeau@aol.com

Waring-Ahearn Insurance Agency, Inc
www.waring-ahearn.com
Contact person: Jay Duke
E-mail: jay@waring-ahearn.com
Company description: Multi-line insurance agent with a strong foundation in the needs of Seniors. Also a member of the Society of Certified Senior Advisors

Williams Insurance Agency, Inc
www.WilliamsInsuranceAndTravel.com
Contact person:  Patrick Pelletier
E-Mail: patrick1@choiceonemail.com
Company description:  Williams Insurance has been serving Northwestern Pennsylvania since 1930. We offer a comprehensive approach to helping our clients plan for their future. Long Term Care Insurance, Medicare Supplimental, and Life Insurances are often large pieces of a person's financial plan. Only through well thought preparation can you plan for the unknown hazards and maintain the lifestyle into the future that you have envisioned.

Your LTC Insurance Specialist
www.honeyleveen.com
Contact person: Honey Leveen, LUTCF, CLTC
E-mail: honey@honeyleveen.com
Company description: This website has comprehensive info about ltci.

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