As a professional insurance consultant with more than 20 years of experience, I provide solutions that save people from financial hardships. I use a portfolio of financial products which includes long-term care insurance, life insurance, disability insurance and annuities. With my help, clients have been able to preserve their independence, secure their choice of care and leave a legacy.
As a specialist in long-term care planning (ltc), I assist families to design a plan to use when a loved one’s health changes and they need care. Items to plan for are who will manage the care, who will be care givers, and where will the loved one reside.
Helping others with their financial planning has always been very personal work for me. When I began doing this work, I was a single parent of four teens. The reality of this was very scary. I understood the simple yet powerful concept of “if it is to be it is up to me”.
How Insurance Became an Important Part of My Life
My life changed in ways I never expected when I became a single parent. I knew that I needed to have a plan to take care of us and that the plan had to begin with me. Of course I had the responsibility of the immediate and short term financial needs of supporting my kids through school. I also had thoughts of my long term needs, both my physical and financial needs. I made a plan to stay fit and healthy and to protect my assets.
Above all I did not and still do not want my children to be in a position of caring for me when my health changes. If I did not have a plan they would be in the position of having to care for me. I have seen many families whose lives have changed when a family member needs care. This results with the family having many new challenges.
Life Doesn’t Always Turn Out the Way We Expect
Both of my parents died very suddenly. Each time the suddenness was a tremendous shock, yet I knew it was a blessing for our family. None of us can predict how our lives will end. What happened in the past is no guarantee of the future.
Life expectancy continues to increase. The longer we live the greater the probability is of needing long term health care sometime in our life.
How I Work with Clients
If you have not thought through a plan for your family, I will help you. Together we will identify your needs and the simplest and most affordable way to meet them. I am here to help you.
When you are ready to discuss long-term care alternatives for your employees, yourself or loved ones, please contact me. It would be my pleasure to set up an appointment and evaluate your situation.
Together we will identify your needs and the simplest and most affordable way to meet your needs.
I Ensure that My Clients are in Excellent Hands
I am an associate of ACSIA Partners, a national firm which specializes in the planning for the expenses of long-term health care needs. The firm works with all of the leading long-term care insurance companies.
With the many changes in the field of long-term care planning, continuing education is very important. I earned the professional designation of Chartered Life Underwriter from the American College and the Certification in Long-term Care. Through continuing education I stay current with new options in long term care planning to best protect my clients.