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Case Studies

Our Team of Specialists

Wendy Zakariasen
Long-Term Care Specialist
Like many in the field, Wendy Zakariasen came to realize the need for long term care planning based on her own family's experience. Her parents were only in their 50s when Wendy's mom was diagnosed with cancer. Because they had no plan in place, the burden of care fell on the family, placing great strain on Wendy's father, the primary caregiver. By the time Wendy's mother died two years later, her father was physically and mentally exhausted; tragically, a short time later, he too passed away. Wendy and her sister were devastated, and their memories of their parents' last years are difficult to this day. After 20 years in corporate America, Wendy's desire to help others avoid the trauma her own family went through led her to Newman Long Term Care, where she brings deep experience in the insurance, healthcare and banking industries to her position as a Long Term Care Insurance Specialist. Wendy's passion for her work motivates her daily in assisting clients in protecting not only their assets, but also their legacies and their physical and mental well-being. Her experienced and forthright manner also helps clients in talking through the various aspects of the long term care decision-making process. Wendy is a licensed Life, Accident and Health Insurance Agent and is an active member in many of the industry's professional organizations.
Nancy Levin
Long-Term Care Specialist
Nancy is a licensed Long Term Care Insurance Agent representing Genworth/GE capitol, John Hancock, Metropolitan Life, MedAmerica, Mutual of Omaha, Prudential, Allianz, Transamerica, OneAmerica, and MoneyGuard selling long term care insurance in California (License #0D92415). She has been in the industry since 2002 and understands the potentially significant impact that long term care can have on a family. Throughout her career, Nancy has maintained active involvement in a number of organizations. She is a member of Organizations such as: National Association of Insurance and Financial Advisors (NAIFA), Million Dollar Round Table (MDRT), Champion of the local Alzheimer's Association, California Partnership Agent Board, National Association of Women Business Owners (NAWBO), Member of the American Association of Long Term Care, and the Chamber of Commerce in Santa Barbara. Nancy attended Antioch University. She has been an invited speaker at national and regional professional conferences concerning the issues of long term care. In addition, she regularly conducts seminars that provide consumers with the knowledge required to effectively plan for long term care.
Howard Gottlieb
Long-Term Care Specialist
Howard Gottlieb is a well-respected Long Term Care Insurance Specialist. He has been helping families protect their savings and independence since 1999. Howard also partners with financial advisors and other professionals to educate their clients on the importance of Long Term Care planning. In 2015, he was the recipient of the 2015 National LTC Insurance Achievement Award by American Association for Long Term Care Insurance (AALTCI), the national trade organization. In 2011, he was ranked the number one agent in his home state by AALTCI. Howard was also recently named as an endorsed local provider (ELP) of Long Term Care Insurance by the Dave Ramsey organization. Howard has earned both M.B.A. and M.S.W. degrees from the University of Michigan. Prior to his Long Term Care Insurance career, Howard had worked as a stockbroker and marketing manager. He also spent time as a social worker. It was during this time as a social worker that Howard saw the devastation caused when a family member or valued employee unexpectedly needs long term care. Howard is an advocate for his clients and helps them attain the peace of mind of having a solid long term care plan. His goal is to educate his clients, not to pressure or obligate them. He is able to work with clients either in person or over the telephone.
Nancy Dykeman
Long-Term Care Specialist
Nancy Dykeman is a long-term care consultant for LTCI Partners, LLC. She provides education and solutions to individuals and business groups on developing a plan for extended care and funding that plan. Nancy has been a licensed insurance producer for over 15 years while her experience in planning began more than 30 years ago as co-owner of her family-owned funeral services company in northeast Iowa. After becoming a licensed nursing home administrator in 1989, she operated large retirement communities, assisted living facilities and nursing homes. She was a caregiver for her mother for 20 years, her father for five years, her husband for several months and most recently, her daughter, who has battled cancer. Nancy’s goal is to help families prepare for caregiving and aging issues through development of a plan for care. She is recognized nationally as a premier educator in the LTC field; an instructor for The Corporation for Long-Term Care Certification (CLTC) since 2003, a former Chairman of the Board on the CLTC Board of Standards, and a faculty member of the Society of Certified Senior Advisors since 2006. Nancy was selected as a national presenter for The Women’s Project for Long-Term Care, providing education on this women’s issue.
Romeo Raabe
Long-Term Care Specialist
LUTCF, LTCP, LTCP Trainer President/Owner Romeo works to assist people in finding ways to finance their long term care. Strategies include traditional Long Term Care Insurance, or if you do not qualify for such coverage, alternative ways to pay for the costs of long term care – before or after the need occurs. Since 1988, he has been helping people finance long term care. He is on numerous boards in Northeastern Wisconsin and has strategies to help people planning in advance while still healthy, strategies for those not healthy enough to qualify for LTC insurance, and even strategies for those already in care or a facility to make their money last longer or protecting some of their funds. He partners with financial planners and attorneys all over Wisconsin, helping their clients investigate how to deal with Long Term Care. Strategies include using traditional Long Term Care Insurance, or if you do not qualify for such insurance, there are alternative ways to pay for the costs of long term care – before or after the need occurs. Since 1988, he has been helping people finance long term care. Romeo writes the Long Term Care Partnership Certification classes, required of insurance agents to sell these types of products. He writes and teaches these courses for a number of states.