Our team of long-term care, disability, and experienced life insurance consultants work with us to develop a strategy that is designed to work for you. Using that strategy, our consultants evaluate the options and select the policy based on your needs.

Melissa Barnickel

Mellissa BarnickelMelissa Barnickel is a CPA and has earned the designation of CLTC, (Certified in Long Term Care), and a licensed insurance agent specializing in Long-Term Care insurance (LTCi). Over the past 36 years she has worked for KPMG as an auditor and consultant. She has also 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 for 19 years. Her extensive financial background allows her to provide her clients with a customized policy that blends well with their retirement income and resources.

As a local operations executive for a national brokerage, she provided product assistance to agents and coordinated relations with insurance carriers. Melissa is Coordinator of the Maryland Long-Term Care Insurance Roundtable, Past-Chair and current member of the Financial Planning Committee for MD Association of CPAs; Past-President. past-secretary and member of Secretary of the Baltimore Chapter of Women in Insurance and Financial Services; Past-President and member of Geriatric Assistance Information Network; and member of Baltimore Estate Planning Council, Chesapeake Professional Women’s Network, Financial Planning Association of Maryland, Harford County Chamber of Commerce, Hunt Valley Business Forum and Life Planning Resources.

Melissa works with other brokers, financial planners, CPAs, attorneys and other trusted advisors helping them provide their clients essential information regarding long-term care planning.

Melissa is not affilatied with Lincoln Financial Securities.

Steve Smith

Steve SmithSteve Smith, lives in Salisbury, MD. He has been in the insurance industry for over 25 years. For most of his career, he has worked with business owners, professionals, and high net worth individuals, almost exclusively assisting them with their life insurance planning needs. Steve is an independent insurance agent, working with countless carriers. He is well versed in tax planning with life insurance, and the complexities of ownership and beneficiary arrangements.

Steve is not affilatied with Lincoln Financial Securities.