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LTC Forum of Colorado
2009 Membership Roster |
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| Officers: |
 | Aaron Eisenach
President, LTC Forum of Colorado
Krieger & Associates...
an ICB Company |
| Contact Info: |
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| Address: | 7175 W Jefferson Ave Suite 1300 |
| Lakewood, CO 80235 |
| Phone: | 303-697-8988 |
| Website: | http://www.kriegerltc.com/ |
| Bio: |
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| LTC Planning Experience: | Aaron has offered LTC Insurance to individuals, employers, and associations since 1996. |
| Industry Certifications: | CSA-Certified Senior Advisor, LTCP - Long-Term Care Insurance Professional, Member - American Association for Long-Term Care Insurance, CLTC |
| Has Sold LTCI Since: | 1996 |
| About Me: | Mr. Eisenach manages a brokerage representing many of the top insurance carriers available. Prior to assuming his current role with Krieger & Associates, he twice ranked in the top six producing agents nationwide with one of the largest insurance carriers in the country. Aaron's passion for Long-Term Care Insurance began when his grandfather spent many years receiving care due to Alzheimer's Disease. Now Aaron's own father suffers from the disease, and is receiving home care benefits from a Long-Term Care Insurance policy. A native of Colorado, Aaron graduated with honors from Colorado State University. Aaron and his wife, Cheryl, enjoy raising four children at their home outside of Brighton. Coaching little league sports, helping his children with 4-H projects, and serving as the pianist at his local church are a few of the activities that take up his free time. |
| Owns LTCI: | My wife and I have Long Term Care coverage |
|
 | Tammey J. Sullivan
President Elect, LTC Forum of Colorado
HealthCare Benefit Services, Inc. |
| Contact Info: |
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| Address: | 6638 W. Ottawa Ave., Suite 120 |
| Littleton, CO 80128 |
| Phone: | 303-973-6636 |
| Website: | http://www.hbsltc.com |
| Bio: |
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| LTC Planning Experience: | Selling LTC since 1988 |
| Industry Certifications: | Certified Senior Advisor, Instructor for State of Colorado in LTC and Larson Educational Trainer, American College Certified Instructor for LTC, member National LTC Network |
| Has Sold LTCI Since: | 1988 |
| About Me: | Tammey J. Sullivan president of HealthCare Benefit Services, Inc. a brokerage agency representing several top Long-Term Care Insurance Companies. She has over 1000 personal clients and has worked with several Employee groups in Colorado implementing their LTCi programs.
Tammey also helps other insurance professionals and financial planners who sell Long-Term Care Insurance through her agency.
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| Owns LTCI: | Tammey bought her first Long-Term care policy in 1995 her second in 2003 and third in 2006. |
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 | Doug Burg
Secretary & Webmaster, LTC Forum of Colorado
Colorado LTC Advisors |
| Contact Info: |
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| Address: | 558 Castle Pines Parkway
#B4-305 |
| Castle Rock, CO 80108 |
| Phone: | 303-663-5690 |
| Website: | http://www.Colorado-LTC-Advisors.com |
| Bio: |
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| LTC Planning Experience: | Doug has been helping families plan for the time when they may need help or care since early 1997. |
| Industry Certifications: | CLTC - Certified Long Term Care Specialist: Charter Member, 1999 |
| Has Sold LTCI Since: | 1997 |
| About Me: | Seeing several close family members need Long-Term Care got my attention. Seeing how two of them who owned Long-Term Care Insurance have a much better outcome than the two that didn't own LTCI convinced me to leave Information Systems work and devote my career to helping others avoid the same mistake. |
| Owns LTCI: | Yes, my wife and I own LTCI as does my mother. |
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 | Christine Crowley
Treasurer, LTC Forum of Colorado
Genworth Financial |
| Contact Info: |
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| Address: | PO Box 1110 |
| Golden, CO 80402-1110 |
| Phone: | 303-526-7531 |
| Website: | http://www.christinecrowleyassociates.com/ |
| Bio: |
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| LTC Planning Experience: | - |
| Industry Certifications: | - |
| Has Sold LTCI Since: | - |
| About Me: | - |
| Owns LTCI: | - |
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| Members: |
 | Philip J. Cernanec
Waddell & Reed |
| Contact Info: |
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| Address: | 4582 S. Ulster St, Suite 1300 |
| Denver, CO 80237 |
| Phone: | 303-770-5511 x106 |
| Website: | www.pcernanec.wradvisors.com |
| Bio: |
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| LTC Planning Experience: | Phil has been involved with Long Term Care planning for over 30 years. He began his professional career as an actuary, has established and managed alliances among insurance carriers (including reinsurance), and does certification classes to advisors and agents to work with their clients to provide LTC solutions.
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| Industry Certifications: | CLU (Chartered Life Underwriter), FSA (Fellow of the Society of Actuaries), Career Development Award Recipient from GAMA International. Phil is also a member of Rocky Mountain Chapter, Society of Financial Service Professionals |
| Has Sold LTCI Since: | 1982 |
| About Me: | Phil and his firm (including his wife, Cathy Schwartz, CFP, President of the Women’s Estate Planning Council) utilize a Comprehensive Planning Process while working with their clients. The focus of the process is to identify their clients goals, priorities, and concerns, and then work with their clients over time, using products and programs that will help achieve the goals. The strategies and options are appropriate and suitable, help provide security, and fit with the financial resources of the client. Phil has five children and six grandchildren, as well. He continues to serve on a number of community-based boards and councils. He enjoys hiking, biking and outdoor music concerts!
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| Owns LTCI: | First purchased Long Term Care Insurance in 1982. |
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 | Joyce Fowler
Genworth Financial |
| Contact Info: |
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| Address: | 5064 Ladies Tresses Place |
| Broomfield, CO 80023 |
| Phone: | 303-466-5988 |
| Website: | http://www.joycefowlerltc.com |
| Bio: |
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| LTC Planning Experience: | . |
| Industry Certifications: | . |
| Has Sold LTCI Since: | . |
| About Me: | . |
| Owns LTCI: | . |
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| Name: | John Frederick
LTC Finanical Partners |
| Contact Info: |
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| Address: | 6946 West Virginia Place |
| Lakewood, CO 80226 |
| Phone: | 866-471-4072 |
| Website: | http://www.ltcfp.com |
| Bio: |
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| LTC Planning Experience: | |
| Industry Certifications: | CLTC |
| Has Sold LTCI Since: | 1990 |
| About Me: | |
| Owns LTCI: | |
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 | Paul M Hallmark
Past President, LTC Forum of Colorado
Capstone Planning Solutions |
| Contact Info: |
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| Address: | 1964 Blue Mountain Rd |
| Longmont, CO 80504 |
| Phone: | 303-774-0688 |
| Website: | http://www.capstoneps.com |
| Bio: |
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| LTC Planning Experience: | Paul owns his own insurance agency that specializes in Long Term Care Planning in Colorado and Arizona. |
| Industry Certifications: | CSA-Certified Senior Advisor, CLTC-Corporation for Long Term Care Insurance, NEB Member -National Ethics Bureau |
| Has Sold LTCI Since: | Since Jan 1997 |
| About Me: | Paul Hallmark is a national known long-term care educator and advisor. He is a partner of a national marketing organization in the long-term care industry along with owning his own company in Colorado. He has advised employees and retirees of IBM, AT&T, Gates, Ball Aerospace, Qwest, University of Colorado and the Federal & State Government. He also has extensive experience working with financial institutions and alumni associations helping members analyze their long term care options. Over the span of his career he has served on numerous advisor boards in the long term care industry along with being a national trainer to the industry. Paul has his Finance degree from the University of Colorado at Boulder. |
| Owns LTCI: | My wife and I have Long Term Care coverage. |
|
 | Ralph Leisle
LTC: Decision Systems Inc |
| Contact Info: |
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| Address: | 10224 Eagle Feather Place |
| Littleton, CO 80125-8309 |
| Phone: | 720-922-9060 |
| Website: | http://www.ltcia.com/ |
| Bio: |
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| LTC Planning Experience: | Over the past 20 years, Ralph Leisle has had a diversified consumer focused involvement with long-term care issues. During his financial and estate planning practice, he became familiar with the impact extended care events have on family wealth and well-being. At the same time, Mr. Leisle found a lack of analytic tools addressing LTC risk mitigation decisions. In year 2000, he created and patented the LTC Economic Impact Planning Model™. He is founder and President of LTCi Decision Systems, Inc., and LTCia, LLC, which create and market software programs focused on LTC financial planning. These programs assist family’s plan for future care and determine relative value of alternative funding solutions. An emerging area of his interest is use of long-term care insurance (LTCi) as an advanced planning tool for ultra high net worth clients with estate tax issues. Unknown or unrecognized for most planners, LTCi can be used in family trusts, private foundations or other charitable interests creating unexpected value and financial planning opportunities. |
| Industry Certifications: | Ralph is a member of Rocky Mountain Chapter, Society of Financial Service Professionals and holds CLU, ChFC, CASL designations from American College. CASL (Chartered Advisor for Senior Living), ChFC (Chartered Financial Consultant, and CLU (Chartered Life Underwriter |
| Has Sold LTCI Since: | 1989 |
| About Me: | Ralph has authored numerous articles on LTC planning. In January 2008 his “Financial Rationale for Long Term Care Planning”, appeared in Journal of Financial Service Professionals (SFSP). It is a seminal, objective analysis using accepted financial planning protocol. The data in the study indicate impact on family wealth is substantial and an investment strategy will not generate comparable funds as provided with insurance. Leisle makes presentations to professional organizations, and to consumer audiences. He has developed curriculum and instructed various LTCi CE courses. He is a board member of the Colorado LTC Forum and has argued at various legislative sessions on behalf of LTCi planning interests, including Partnership and premium tax-deduction issues. Ralph works with strategic partners on client LTC planning issues, consulting, and is available as an expert witness on LTC planning and insurance. As a team member, Mr. Leisle brings direct client experience, extensive LTC knowledge, and analytic skills valuable to other professionals and their clients. His software programs simplify complex numbers, enable quick understanding of big picture issues, and provide detailed reports when needed for peer professional review and audit. |
| Owns LTCI: | LTC Insured since 1996.
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| Name: | Robert Lucke
New England Financial |
| Contact Info: |
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| Address: | 2000 S. Colorado Blvd, Suite 2-450 |
| Denver, CO 80222 |
| Phone: | 303-394-7192 |
| Website: | http://www.nefdenver.com/ |
| Bio: |
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| LTC Planning Experience: | . |
| Industry Certifications: | . |
| Has Sold LTCI Since: | . |
| About Me: | . |
| Owns LTCI: | . |
|
 | Carolyn Samuelson
COPIC Insurance |
| Contact Info: |
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| Address: | 7351 E. Lowery Blvd. |
| Denver, CO 80203 |
| Phone: | 720-858-6000 |
| Website: | http://www.callcopic.com/ |
| Bio: |
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| LTC Planning Experience: | Selling LTC since 1996 |
| Industry Certifications: | CLTC-Corporation for Long Term Care Insurance, LTCP-Long Term Care Professional (HIAA) Certificate in Gerontology, University of Denver |
| Has Sold LTCI Since: | 1996 |
| About Me: | My awareness of the difficulties people face as they age began shortly after college when I worked for the Part B intermediary for Medicare in 1966. Those early career years gave me a desire to help people plan for their later years before being faced with a health care crisis. Understanding health care delivery helps me advise physicians, dentists and their families. |
| Owns LTCI: | My husband and I have reimbursement and indemnity policies. |
|
 | Ray Smith
The Long Term Care Specialist |
| Contact Info: |
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| Address: | 22803 E. Heritage Parkway |
| Aurora, CO 80016 |
| Phone: | 303-699-4172 |
| Website: | http://www.RaySmithLTC.com |
| Bio: |
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| LTC Planning Experience: | LTC Planning Experience: Ray has years of experience helping individuals, families and businesses understand how long term care insurance fits into the overall planning process. |
| Industry Certifications: | CLTC (Certified in Long-Term Care), CLU (Certified Life Underwriter). Colorado Division of Insurance and Wyoming Insurance Department approved long term care instructor. Ray has an undergraduate degree in business administration from Indiana University and a MBA from the University of Tennessee. |
| Has Sold LTCI Since: | Full-time insurance producer since 1987. First LTCI policy sold in 1988. Specializing in LTCI since 2001. Ray Smith does business as "The Long Term Care Specialist." |
| About Me: | Ray Smith is passionate about helping people understand the necessity of planning for when they need long term care services. He is an independent broker representing multiple insurance companies. Ray also works closely with financial planners, CPAs, attorneys and other insurance agents/brokers to help them protect their clients against the high costs (both financial and family relationship) of long term care. Clients often tell him that he is good at simplifying this otherwise complicated subject. Ray and his wonderful wife were married in 1966. They have two grown children, both active in the Metro-Denver community. |
| Owns LTCI: | Ray Smith and his wife have both owned long term care insurance since 2001. |
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| Emeritus Members: |
 | Terry J. Hjelkrem
Member Emeritus |
| Contact Info: |
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| Address: | 2975 Brogans Bluff Dr. |
| Colorado Springs, CO 80919 |
| Phone: | 719-593-9067 |
| Website: | |
| Bio: |
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| LTC Planning Experience: | Exclusive LTCI agent representing over 1/2 dozen companies |
| Industry Certifications: | member NAIFA; CPA - inactive |
| Has Sold LTCI Since: | 1992 |
| About Me: | LTCI agent through ACSIA (founded in 1956), the originator of LTCI in 1973 |
| Owns LTCI: | Yes plus our three children all have LTCI policies |
|
 | Eunice E. Krieger
Member Emeritus
Krieger & Associates, Inc. |
| Contact Info: |
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| Address: | Po Box 17396 |
| Reno, NV 89511 |
| Phone: | 303-618-8703 |
| Website: | . |
| Bio: |
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| LTC Planning Experience: | In 1988, Eunice founded Krieger & Associates, Inc., specializing solely in Long-Term Care Insurance. In 2006, the company was sold to ICB and now goes under the name of Krieger & Associates…an ICB Company. In 1990, Eunice was a founding member of THE LTC FORUM OF COLORADO; this was a group of dedicated Long-Term Care Insurance Specialists who had the vision to realize the need for a committed group of Long-Term Care Insurance Specialists to form a Study Group. As a pioneer in the LTCI industry, she taught Continuing Education classes for NAIFA, The International Association for Financial Planning, and the Certified Public Accountants National Association meeting. She also testified at varied Committee Meetings at the State Capital in regard to legislation pertaining to LTCI. |
| Industry Certifications: | LTCP and MDRT |
| Has Sold LTCI Since: | 1988 |
| About Me: | Now, semi-retired. Lives in Reno, NV and Phoenix, AZ with her husband, Ron. Continues to keep credentials and attends National LTCI Conferences and education classes to remain current regarding LTC issues. |
| Owns LTCI: | My husband and I have had Long-Term Care Insurance policies since 1990, as well as my mother-in-law. |
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| Please also note that email addresses were not provided due to the amount of spam that traverse's the internet. Feel free to ask the member for their email address when you speak to them. Thanks! |
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