LTC Forum of Colorado

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Aaron R Eisenach, CLTC


4700 E. Bromley Lane #107

Brighton, Co  80601             



Aaron R. Eisenach, CLTC, serves as President of the LTC forum. He began his career helping others with LTC planning at the age of 26 due in part to watching his father and grandfather battle Alzheimer's Disease at early ages. Besides being a state-certified instructor for mandated LTC training courses for insurance agents, Aaron serves as President of the Colorado Division of Insurance Producers Advisory Council, speaks to consumers groups such as Senior Law Day, Financial Planning Association of Colorado, and writes for publications such as Elder Law in Colorado.


Tammey Sullivan, CLTC, CSA

HealthCare Benefit Services 

6638 W. Ottawa Ave.

Ste. 120

Littleton, Co.  80128                               

303-973-6636                                        info@hbsltc.com


Tammey is a charter member of the LTC forum and has been in the LTC sales field since 1988.  She is a certified instructor for the state of Colorado in training agents and financial advisors the required LTC continuing education courses.  Both of her parents have used their policy so she understands in a personal way the importance of planning for this very important need.


Christine Crowley CLTC

Christine Crowley & Associates
PO Box 1110

Golden, Co. 80402-1110




Christine has been dedicated to the Long Term Care profession for 16 years. She is an author and educator of the risks that face our aging population today and how it can have an impact on family relationships, asset protection, and your retirement plan.  Christine is  also a licensed Financial Advisor, a member of the Financial Planning Association and a CLTC.  She also serves as an instructor on LTC planning for the Osher Institute at Colorado State University.


Janet Van Dorn CLU, CLTC

Berkshire Advisor Resources, Inc.

7900 E. Berry Place, Suite 200

Greenwood Village, Co. 80111

303-221-2100 x236



Janet has been in the financial services industry since 1980, much of that time as a Long Term Care specialist to the insurance brokerage community. She is a certified CE provider and past president of several industry associations, including the Rocky Mountain Chapter of the Society of FSP. She is a CLU and CLTC as well as a member of the Colorado Producer Advisory Council and the LTC forum. 

Paul Hallmark

Capstone Planning Solutions, LLC

1964 Blue Mountain Road 

Longmont, Co. 80504 



Ralph Leisle CLU, ChFC, CASL

LTCi Decision Systems, Inc.

10224 Eagle Feather Place 

Littleton, Co. 80125 



Ralph has a diversified involvement with long term care economic issues, including financial planning, insurance solutions and software development for LTC analysts and advisors.  Licensed for LTC insurance in Colorado since 1989: appointed to initial CO Partnership Advisory Group 1993: founded LTCi Decision Systems and patented LTC Economic Impact Planning Software in 2000: authored numerous nationally published articles on LTC financial planning 2000-2008:  LTC Forum member since 2005.

Ray Smith CLU, CLTC, MBA

The Long Term Care Specialist 

22803 E. Heritage Parkway    

Aurora, Co. 80016  



Ray never understood the tremendous financial and family relationship costs of needing long term care services...until his Mom was diagnosed with lung cancer.  Since 2000, he has specialized in helping people plan for the day when their health changes. Ray is an independent broker who searches multiple insurance companies to find the best fit and value for each individual.  Ray can help you plan for long term care.

Philip Cernanec

Waddell & Reed    

4582 S Ulster Street Ste. 1300

Denver, Co. 80237 

303-770-5511 x106 




Joyce Fowler CLTC

Long Term Care Insurance Agent

5064 Ladies Tresses Place

Broomfield, Co. 80023



Tom Rasmussen

Clear Solutions Insurance Services

Senior LTC Specialist

Colorado Springs, Co.



President of Clear Solutions Insurance Services providing expert guidance for long term care and life insurance planning. I'm passionate about being a planning guide whether for life or long-term care planning. It's about making sure there is a plan in place, not about selling insurance. Providing 30plus years of experience on income protection planning. 

Don Rhoades

Rhoades & Associates

5000 S. Elmira Street

Greenwood Village, Co. 80111



Don has been a long term care insurance specialist for nearly 18 years and has personally consulted with literally thousands of individuals in assessing their individual LTC planning needs. He has worked in many aspects of the industry including field sales, agent training, recruiting and has worked with both the individual and employer group market.  Don's mother Marcia is currently using her long term care plan to pay for her Alzheimer's care. 

James Eby CLU, ChFC

Northwestern Mutual / Financial Advisor

1873 S. Bellaire St. Ste 1700

Denver, Co. 80222