Our Principal
Melissa Barnickel, CPA, CLTC
Melissa Barnickel is a CPA, a CLTC, (Certified in Long Term Care), and a licensed insurance broker specializing in Long Term Care Insurance (LTCi). Over the past 40+ years she has worked for KPMG as an auditor and consultant and held significant financial positions such as Controller, Vice President of Finance and Leader of LTC Sales for two different insurance brokerages. She has worked in the LTCi industry over 30 years.
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Our Independent Associates
Edward S. Hutman
Edward Hutman,CLTC, (Certified in Long-Term Care), LTCP, (Long-Term Care Professional) has been a licensed insurance agent specializing in long-term care insurance since 1991. He has actively encouraged education within the industry. He was Program Chair in 2000 and 2001 for the Long-Term Care Insurance Program-Maryland Association of Health Underwriters Long-Term Care Conference. In 2005 he was the Long-Term Care Insurance Chair for the Maryland State Insurance Expo. He has been active in both group and individual long-term care insurance education and sales. Ed was on the review committee for the America's Health Insurance Plans training course on long-term care.
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