In 1991 Ed Hutman first entered the Long-Term Care insurance (LTCi) industry bringing a financial background and 20 years of volunteer experience in a large skilled nursing facility in Rockville, MD. He worked with one of the early pioneers of LTCi concepts, learning the many facets of this important element of financial and retirement planning. In 1993, Melissa Barnickel joined the company as CFO using her insurance, acco
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