Long Term Care Insurance

Jeffrey V. Merwin, CLU, RHU, Director of LTC Brokerage

Jeff Merwin has more than 22 years in the financial services industry, developing personal production in both individual and group insurance markets. He also partners with financial advisors and insurance professionals to assist them with implementing long term care plans for their individual and business group clients.

His value to consumers and advisors’ clients in long-term care planning includes the underwriting qualification process, contract evaluation, plan design suitability, and planning strategies to implement the most efficient long-term care plan.

He has been a featured speaker and CE instructor at local chapter meetings of Maryland Association of Health Underwriters, National Association of Insurance & Financial Advisors, Financial Planning Association of Maryland, and Maryland Association of CPAs. He has provided training and consultation to over a thousand agents and advisors. He has been the Senior Issues Chair for MAHU and developed the 8 hour training day sponsored by MAHU & NAIFA in June of 2008.

Jeff graduated from Bowdoin College in Brunswick ME with B.A. in History. His professional designations include Chartered Life Underwriter (CLU), Registered Health Underwriter (RHU), Registered Employee Benefits Consultant (REBC), and Life Underwriters Training Council Fellow (LUTCF). He lives in Baltimore with his wife and 3 children.
410-312-0003 • jeff.merwin@capitolmetro.com

Patrick L. Brown, Executive Vice-President of Willow Financial Services, LLC.

Mr. Brown is a graduate of Loyola College and has his Masters from Sellinger School of Business. Mr. Brown was the executive vice president of the small business division of USF&G, a Baltimore based insurance carrier that was purchased by St. Paul in 1997. He is recognized for developing the small business division nationwide and pioneering the concept of marketing small business products geared to the owners of small businesses.

In 2002, Mr. Onorato and Mr. Brown completed a comprehensive course on priority senior issues and attained the Certified Senior Advisor designation. They are currently active members of the Society of Senior Advisors® and the National Association of Insurance and Financial Advisors (NAIFA). This designation allows Willow Financial Services to meet the key needs and issues concerning small business owners as they grow older.
410-321-9608 • 800-662-9847

Richard A. Onorato, CSA, President of Willow Financial Services, LLC

A financial consulting firm that specializes in financial and retirement planning for individuals and businesses. Recognized as a top executive in the distribution of insurance and financial product, Rick has 30 years of experience in the industry. As a consultant and licensed broker, he deals with a wide variety of highly rated insurance companies, finding the best one to fully meet each client's current and future needs. He has received numerous awards over the years for outstanding professional service and performance to his clients.
410-321-9608 • 800-662-9847